Every time you use your Atlas Card, your purchases add to your current balance—not deducted from your Deposit Account. You’ll need to pay this off by the end of your statement cycle.
Ways to pay your balance
Smart Pay (Automatic)
Atlas pulls from your linked bank account. Spend Power restores once payment clears.
Manual Bank Payment
Pay from your linked account. Spend Power restores after the payment settles.
Instant Debit Card Payment
Pay instantly in the app with any debit card. Spend Power refreshes almost immediately.
Using Your Deposit Account
You can transfer money to cover your balance, but this won’t restore Spend Power since that money is no longer acting as collateral.
Tap Pay Balance in the app to get started.
FAQs
Q: Do purchases come out of my Deposit Account?
A: No—they add to your balance. You choose when and how to pay.
Q: Why doesn’t Spend Power go up when I pay with my Deposit Account?
A: Because that money is no longer held as collateral—it’s been used to pay the bill.
Q: Can I increase Spend Power without adding more funds?
A: Yes—Atlas may raise your unsecured credit over time with a strong payment history.