ATMOS rocks
So grateful to find a banking solution that supports a generative relationship with the earth instead of an extractive one!
Don’t do it
Basic functionality is broken. Can’t transfer money out. Ridiculous that they are in business as a bank. Unclear that they’re able to help anyone given how poorly their operation is managed
Loved the idea, but felt too clunky to stay
I first opened an account with Atmos Financial because I liked the idea that my money can be passively used to support climate projects.
Using the app, it had all the basic functionality of a standard banking service. I started to become put off with some small details that made me feel a bit uneasy. For example, you needed to submit a photo ID and a picture to transfer money out to another bank account - I’ve never had to do this before and was concerned that my money was stranded in this account. Additionally, the interest earned on the account didn’t always seem to land at regular intervals, leaving me wondering if it was going to land at all. When I inquired to customer service, the representative addressed me by an entirely different name and answered only half of my questions.
I ended up transferring my money out and closing the account. I would love to come back once the application and service is a bit more mature and reliable. Overall, great idea, but the execution could be improved to promote customer trust.
Using the app, it had all the basic functionality of a standard banking service. I started to become put off with some small details that made me feel a bit uneasy. For example, you needed to submit a photo ID and a picture to transfer money out to another bank account - I’ve never had to do this before and was concerned that my money was stranded in this account. Additionally, the interest earned on the account didn’t always seem to land at regular intervals, leaving me wondering if it was going to land at all. When I inquired to customer service, the representative addressed me by an entirely different name and answered only half of my questions.
I ended up transferring my money out and closing the account. I would love to come back once the application and service is a bit more mature and reliable. Overall, great idea, but the execution could be improved to promote customer trust.
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Great Banking - great mission
Atmos offers great benefits for those who are invested in ensuring that their money is passively going to fund causes they support while getting good return!
Smells fishy
Poor customer service. They’re not a real bank. When there parent bank and them split. Theyll send you your funds. if that check doesn’t go through your out of luck. Want to contact customer service? Good luck. Was just looking to use this bank to hold escrow deposits but now I’m out thousands.
For your security, you have been logged out
For your security, you have been logged out.
Time to enter your email, your password, your 2FA.
A quick check of my account becomes a hassle.
Citi didn’t require constant logins. Capital One didn’t require constant logins. Why does Atmos require constant logins?
I agree with the mission of Atmos, way better than Citi!!! But why does the app have to log me out all the time? Convenience, not good.
Time to enter your email, your password, your 2FA.
A quick check of my account becomes a hassle.
Citi didn’t require constant logins. Capital One didn’t require constant logins. Why does Atmos require constant logins?
I agree with the mission of Atmos, way better than Citi!!! But why does the app have to log me out all the time? Convenience, not good.
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Terrible platform and terrible customer service
Invest here at your own risk. The app’s platform is terrible and it is really difficult to do basic stuff, such as send wire transfers.
i like the idea of the bank but it is FAR from being a viable option
i like the idea of the bank but it is FAR from being a viable option
A Forward Thinking Bank
Choosing Atmos as my bank has been an enlightening experience. It's more than just a place to store my money; it's a step towards a more sustainable future. The app's development pace is notable, with new features and enhancements being added regularly.
The true essence of Atmos lies in its commitment to the environment. The founders' passion for creating a cleaner planet with our financial choices is not only inspiring but also a driving force behind their operations. This integrity and dedication are evident in every aspect of their service.
Banking with Atmos, I feel part of a community that values eco-consciousness and responsible financial practices. It's reassuring to know my money is contributing to positive environmental changes.
For anyone considering a switch, Atmos is not just a bank; it's a movement towards a better, greener future. It's an exciting time to be part of this journey!
The true essence of Atmos lies in its commitment to the environment. The founders' passion for creating a cleaner planet with our financial choices is not only inspiring but also a driving force behind their operations. This integrity and dedication are evident in every aspect of their service.
Banking with Atmos, I feel part of a community that values eco-consciousness and responsible financial practices. It's reassuring to know my money is contributing to positive environmental changes.
For anyone considering a switch, Atmos is not just a bank; it's a movement towards a better, greener future. It's an exciting time to be part of this journey!
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One thing
The app icon looks like it’s updating.
Needs to Improve
Please improve your mobile app and website. Both lack important functionality regarding monitoring/using debit cards and connecting external accounts. Additionally, other banks such as Chase, have difficulty communicating/transferring with Atmos.
This bank and its principles for sustainability are the future—I just don’t want to see it held back by these basic problems.
- Troy
This bank and its principles for sustainability are the future—I just don’t want to see it held back by these basic problems.
- Troy
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Annoying
App needs to be coded correctly. It’s always crashing anytime i click my checking account details and it’s just a blank screen & never loads when i click card details. I’m going to have to switch banks because it’s like this 1 doesn’t want you to access your money.
Glitchy
I can’t see my cards or deposit a check through this app because it quits every time I enter the screen. This is a pretty serious issue for an online-only bank.
Big problems with recent updates
I can no longer add funds to my account because the app crashes every time I tap "add funds". I tried downgrading and old versions just show a blank white screen when I navigate to the "move money" section. Also maybe a good time to note that the app has always been bare bones with extremely limited functions and essential tasks that you have to go to the website to accomplish. Can't find terms or info on the debit card in the app, many other such issues. The eco friendly incentive model is cool but the app is pretty terrible so it's very clearly not to be trusted as a primary banking institution.
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several problems with the app
The app crashes anytime I click on my checking or savings account and when I go to the card page in the app, it’s just blank and it doesn’t show my bank card
Terrible since they changed back end banks
Tap works half the time - other half the time it says “bank not recognized” or something similar.
Can’t transfer from Apple Cash to Atmos anymore because they broke that too.
The joint accounts we were promised 2 years ago? Still nothing.
And now the app gives me a white screen, and everything about this bank is app based. So now we can’t talk to support, check balances, nothing. It’s been like this for 2 days.
This bank is done. Move on.
Can’t transfer from Apple Cash to Atmos anymore because they broke that too.
The joint accounts we were promised 2 years ago? Still nothing.
And now the app gives me a white screen, and everything about this bank is app based. So now we can’t talk to support, check balances, nothing. It’s been like this for 2 days.
This bank is done. Move on.
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Cannot see check deposit images, cannot search transactions
Cannot see check deposit images, cannot search transactions. These were very helpful at my old bank.
Simple and straightforward
Put money in easily, get interest payments, and know your are not funding fossil fuels. I’d say it’s a pretty good deal.
Great experience at a climate friendly company
I’ve had a great experience with Atmos Financial. The app is easy to use, the customer service is responsive, and I love being able to see the impact my financial choices are making in real time.
Amazingly easy…
I love the Atmos website. It is straightforward. Incredibly easy to get in and out quickly. My previous bank required too many hoops to jump through. Not so with Atmos, which makes it simple to check my accounts daily. Hey, 2% is nothing to sneeze at. Love seeing the monthly addition, especially after years of next to nothing on my returns from other financial institutions. Plus, they’re doing good work with my money. Go, ATMOS!!!
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Poor tech for a tech company
Atmos Financial do not have any brick and mortar components of their own. They are essentially a tech company. That’s fine, but you’d at least expect the tech to work.
Their web chat feature hasn’t worked for me in months. Their phone wasn’t working the last time I tried to call either. I’ve only been able to reach them through email.
I’ve had issues since the beginning of my time using Atmos as a bank. My account wasn’t granted access to all features even though I’d properly verified everything. (This was the first time I noticed their web chat feature wasn’t working). After some emails back and forth, they were able to correct the issue from their end, but that shouldn’t have happened in the first place.
But, issues happen, so I was willing to forgive that.
Another time, I was trying to connect an external account for transfer on the app. It let me go through every step, only to tell me at the end that I had to connect external accounts through a web browser… Why is the feature in the app if you can’t use it?
They have always resolved every major issue I’ve had via email. However, they haven’t always followed up on the smaller ones—even when they said they would.
Also, they use 2FA, but don’t ping whatever service you use to send you a code when you try to log in. This is a small quality of life feature that lots of other companies offer. Alongside this, there is no option to log in with facial ID.
There are other little things, but the point is all this adds up and I’ve finally decided to leave Atmos Financial. There should not be this many tech issues with a tech company. These things should just work—especially when they’re holding all your money.
Their web chat feature hasn’t worked for me in months. Their phone wasn’t working the last time I tried to call either. I’ve only been able to reach them through email.
I’ve had issues since the beginning of my time using Atmos as a bank. My account wasn’t granted access to all features even though I’d properly verified everything. (This was the first time I noticed their web chat feature wasn’t working). After some emails back and forth, they were able to correct the issue from their end, but that shouldn’t have happened in the first place.
But, issues happen, so I was willing to forgive that.
Another time, I was trying to connect an external account for transfer on the app. It let me go through every step, only to tell me at the end that I had to connect external accounts through a web browser… Why is the feature in the app if you can’t use it?
They have always resolved every major issue I’ve had via email. However, they haven’t always followed up on the smaller ones—even when they said they would.
Also, they use 2FA, but don’t ping whatever service you use to send you a code when you try to log in. This is a small quality of life feature that lots of other companies offer. Alongside this, there is no option to log in with facial ID.
There are other little things, but the point is all this adds up and I’ve finally decided to leave Atmos Financial. There should not be this many tech issues with a tech company. These things should just work—especially when they’re holding all your money.
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