United States
activeFeaturedNeobank
- HQ
- Detroit
- Fee
- $0 on core spend/save
Atmos
US climate lender. Checking is gone. JoinAtmos is solar and electrification, not a salary account.
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5.3Caution
AlternativesFive questions
At a glance
Is it a bank?
No. Atmos is not a bank. The money sits with Partner lenders on the marketplace — Atmos Financial is not the lender.
If it fails?
Not a current account in 2026. Historic checking sat at Evolve / Five Star. Live product is solar and electrification loans originated by partner institutions.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Loan product, not an account fee
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
5.3
/10 · Caution
Atmos was a climate checking app on Evolve. That product is gone. JoinAtmos in 2026 is a solar-and-electrification loan marketplace. Atmos Financial is a fintech, not a bank, and it says it is not the lender. Do not score it as a current account. Clean Energy Credit Union is where leftover depositors were pointed.
What it is
Atmos Financial, PBC launched climate-positive checking in 2021. Partner banks held the cash. The live homepage is infrastructure lending: homeowners, installers, banks and credit unions. This desk keeps the name so a 2021 roundup cannot pretend it is still a salary home.
Best for: US homeowners shopping a climate loan — not anyone hunting a salary account.
Last checked 2026-08-28. Not advice.
What it does well
- +Clear 2026 product: lending, not banking
- +Names that it is not a lender
- +Partner institutions originate
- +Not pretending to be Ally
What to watch
- −Checking is dead
- −Not FDIC on the brand
- −Directories still list it as a neobank
- −No debit, no salary
Who holds the money
The account
- Partner bank
- Historic: Evolve Bank & Trust / Five Star. Live: Clean Energy CU and other partner originators
How money actually moves
- Who holds the cash
- Current account at a partner bank
- How money moves
- ACH / USD
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Atmos has no card listed on this file.
Licence first
Safety
Not a current account in 2026. Historic checking sat at Evolve / Five Star. Live product is solar and electrification loans originated by partner institutions.
Who holds the money: Partner lenders on the marketplace — Atmos Financial is not the lender
- US state / partner lendersFintech. Not a bank. Not a lender — marketplace for bank and credit-union loans · United States
Fees
- Monthly
- Loan product, not an account fee
- FX markup
- Not the job
- ATM
- No consumer debit in 2026
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- –Virtual card
- –Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Solar / heat-pump / EV-charger loans
- Installer marketplace
- Bank and CU capital
- Not a checking account
Score
- Safety25%
- 4.8
- Fees20%
- 6.0
- Features15%
- 6.2
- App15%
- 6.4
- Global15%
- 2.8
- Support10%
- 6.0
Change log
Full logStatus
Checking is gone; live product is climate lending
JoinAtmos is solar and electrification. Historic Evolve checking is not a 2026 salary account.
Available in
Straight answers
FAQ
01Is Atmos a bank?
Atmos is not a licensed deposit-taker in the classic sense. Money, if any, sits with Partner lenders on the marketplace — Atmos Financial is not the lender.
02How is money protected?
Not a current account in 2026. Historic checking sat at Evolve / Five Star. Live product is solar and electrification loans originated by partner institutions.
03Where is Atmos available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Atmos.
04Card and wallets?
Atmos has no card listed on this file.
05Can I open Atmos remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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