Sunday, November 8, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
23 reviews
Atmos FinancialSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
Atmos Financial, a cutting edge climate-focused financial technology company, stands at the forefront of sustainable financial practices by directing the entirety of its deposits towards funding climate-positive infrastructure projects. Through an array of financial products including checking and savings accounts, business savings solutions, and specialized solar loans, Atmos empowers individuals and businesses to align their financial activities with environmental stewardship. Atmos is dedicated to accelerating the transition to a clean economy accessible to all, leveraging innovative financial tools and strategic investments to drive meaningful change. With a vision of fostering a global community actively engaged in building a clean, fair, and transformed economy, Atmos Financial is not just a financial institution but a catalyst for environmental and economic progress, shaping a brighter future for generations to come.
Atmos Financial (joinatmos.com) has 23 customer reviews on The Fair Hearing, with an average rating of 4.2 out of 5.
23 approved reviews, newest moderated first
I want to give a shout out to this company. I was cautious about how it might work at first, but I have found that moving money has been seamless, and when I have been unsure, their help staff has been quick to get me on track. Their recent move between underwriters went smoothly for me as well. Meanwhile I feel confident that my money has been working in a way that I can get behind (solar loans and supporting good organizations).
By Seth M.
A couple of weeks ago Atmos cancelled my debit card when I was trying to buy gas. I was confused initially but then rec'd a VM from their customer support saying the card info was "compromised on the Dark Web" and cancelled for my safety. Ok, not great, but they did have a "virtual debit card" that I could implement on my phone using the app. However, I was unable to withdraw cash since most ATM's around here require a physical card and the 'tap' feature is somewhat rare. I received a new card a few days ago, went to activate it via the phone tree, sounded like it worked, but then I find the new card isn't listed on my Atmos account. Also, there was some sort of bank migration that was taking place as my compromised card was being shipped, and now I'm being asked to request another new card, with another 2 week delay expected, and this time no virtual card. I left a message with their VM, no response yet. There was also the issue of transaction/card limits. A few months ago, I was requested to "verify" some information so they could raise my limits. Okay, I played along, but the final piece to raise my limits was some sort of phone interview they wanted me to complete. I didn't have the time (or really interest) to engage with the additional request for a phone interview, my limits stayed the same, and now they've migrated to a new bank it doesn't look like my "verification" is recorded on the website any longer, and there's no option of raising the limits. This is unfortunate because it very much restricts what sort of purchases I am able to make with my account. Overall I really like the ethos/mission of Atmos bank and the savings interest rate is excellent, but the accessibility factor and customer support are horrifying. Customer support is very courteous but between the issues with my card(s) and transaction limits, I'm starting to look around. -- update: 08/03/2023 -- Ravi (the CS rep that worked to restore my card/account service) did a great job getting my account back up and running. I'm looking forward to the improvements Atmos will be bringing to their customers through their new partnership with Five Star Bank.
By Paul S.
What a great bank. Points for - Friendly and efficient customer service. Instant replies on the online chat, quick turnaround via email. Yet to phone, there is no need for these two communication options. - Security checks at each step to provide peace of mind. - Clear and easy-to-use app and website. - Decent savings rate with a minimum monthly donation. Waiting for the joint account option to open another account.
By Brooke
Have loved banking with Atmos so far. Great features like nonprofit donations and tons of carbon saved. On top of it all, I know my money is being used to fund climate positive projects and working to reverse climate change. This feels like the future of banking. Highly recommend!
By Nicola W.
Atmos Financial gives me peace of mind knowing that each dollar I have deposited with them is being leveraged to help finance green projects, such as loans for solar adoption. Their relatively high interest rate is a bonus, and their authentication security gives me comfort and trust. Highly recommend Atmos!
By Rama M.
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.
By Matt S.
Excellent team and a solid trustworthy cause
By Erik
I was looking for a new, more ethical way of banking, and have found it with Atmos. It feels great to have my banking align with my personal values. This is the first bank I've found that helps the environment, supports great non-profits, and even offers a better rate. What's not to love about that? Thank you Atmos!
By Julie V.
