Atmos FinancialReviews of joinatmos.com

AVOID AT ALL COSTS 19 montgs of frustration and distress fir 3 simple account transfers. Went to the Financial UK Ombudsman and they upheld on my favour. Thus outfut are a disaster from processes that are not robust or not folliwed to non exuatent customer service. I had to escalate to a Senior Director at Atomos 3 times to get the multiple and tine consuming issues that they caused resolved. I have transfered all a coubts to a different platform with seamless servuce and far superior financial returns so really not sure why you would use this cowboy outfit. AVOID

I have found their customer service very helpful. And I fully support the mission of the company, I'd like to see more companies working to support the environment. Interest rate is not bad too!

Atmos is not reliable and difficult to work with. I was told that Atmos would notify us when the first payment on our loan for solar panels was due. The first notification I received was that I was late for our first payment. I called and was told there was a problem with their notification program. I quickly made a payment, but I could not set up automatic payments until the first payment cleared, which took several days. After that delay, I set up automatic payments. The proportion of each payment that went to principal and interest varied greatly and was inconsistent with any amortization schedule I have ever seen. After more than a year (but less than the period required for tax credits to be applied), the principal owed actually grew by 862.25 despite regular monthly payments being made. I decided to pay off the loan. I went through the Atmos website to make the payment and paid off what Atmos stated was the payoff amount. But paying off a loan through Atmos takes 3 days to settle! And during those three days, further interest accrues! In other words, given the limitations of Atmos' system, you can never pay off your loan!

My complaint is that I cannot join the club. For some reason(s) I keep getting denied approval. This last attempt I submitted my ID and a headshot. However, like my other tries I have been denied without explanation. I have been in the financial services industry for over 30 years. I like the premise of Atmos but would like an explanation in detail as to why I continually am denied use of their services.

I’ve been using Atmos since it was in beta and I highly recommend it! I love their mission and values; it feels good to put my money where my mouth is.

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.

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.

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.