Once you've received a few direct deposits on your Atlas Deposit Account, you should start to notice a consistent pattern in which your direct deposits land. After the first few direct deposits, you paychecks may land up to 2 days earlier than they would with traditional banks. Once Atlas receives your direct deposit from your employer, payroll provider, or benefits provider, you'll get a push notification and email.
Delays can happen due to factors beyond Atlas's control, such as bank holidays or timing from your payer. If delays persist, contact your payer to confirm the direct deposit details.
Direct deposit for government benefits payments
Check the Social Security and SSI calendar: These payments follow a specific schedule. This should be publicly available online.
First-time direct deposits with Atlas
If you're new to recurring direct deposits, your deposit can take up to two pay cycles to switch to your Atlas account. Once switched, your direct deposit will arrive up to two days early. Notify your employer, payroll provider, or benefits provider before the next pay period begins if you switch your direct deposit to Atlas. If you miss that date, you'll likely have to wait until the following pay period for your direct deposit. Double-check that your account and routing numbers in the app match those given to your payer.
Timing of direct deposits with Atlas
Deposits may not always arrive early. Timing depends on when Atlas receives payment files from your payer. Here’s how direct deposit works:
Before payday, your employer sends a payroll file to its bank with employees’ bank account details and paycheck amounts.
An ACH operator reviews the payroll file for accuracy and ensures all payments are properly routed.
The ACH sends your payment file to one of Atlas's bank partners to be processed.
Once Atlas receives your payment information, your payment is credited to your account.