Are there overdraft fees? June 28, 2023 03:03 Updated Atmos does not charge overdraft fees. Transactions that result in a negative account balance are automatically declined. Related articles How many Checking and Savings accounts can I have? Where is Atmos available? Do I need to close my other bank account(s) to use Atmos? Does Atmos have a native mobile app? Am I eligible to have an Atmos account?