Terrible Bank Please refer to my other review. They finally reimplemented their mobile check deposits. It is no different. They continue to reject checks with no explanation, charge a chargeback fee, and let you scramble. These hacks are horrible.

Seamless, climate-positive banking Excellent bank that has everything I need for online banking. Their interest ratest are the highest around, and I love that my deposits are funding only climate-positive investments. Customer service is great on the very rare occasions I have needed to use it.

Good idea but unstable and somewhat limiting I moved from Chase to Atmos to divest from fossil fuels. While I appreciate that Atmos is a B Corp investing in renewable energy and partners with many environmental groups, with high savings interest rate, my user experience of Atmos isn't so smooth because it's new. It has upgraded its backend bank at least twice in the past year, most recently to Five Star Bank, which changed my account number, not so long after I signed up. This caused a lot of trouble when my automatic payments got rejected as I can't remember to change all of them, and it hasn't been that long since I went through that turmoil after switching from Chase. Furthermore, not working with Zelle, not accepting cash deposit, and not having a checkbook have caused some awkward situations, though I managed to work around. The limit to cash deposit has been kind of annoying when I have to mobil deposit my paycheck the first month after changing my direct deposit. During the transition to Five Star Bank, mobile deposit isn't working. I haven't lost my patience with Atmos yet, as the instability of a new service is understandable. We'll see how it goes after it moves to Five Star Bank. Hopefully it goes well. The frustration kind of makes me regret not switching to Amalgamated instead, which is very mature and stable.

Great Mission and Execution Really admire Atmos for going through the FDIC insurance process so that users like me can safely park our reserve/rainy day funds in a place that earns real money for social good.