Each time you swipe your Atlas card, the amount is added to your current balance.
It's not deducted from your Deposit account. Instead, they accumulate as a balance that you must pay off by the end of the statement cycle.
Ways to Pay Off Your Balance
Smart Pay
Atlas initiates a payment from your linked bank account periodically.
Your Spend Power is restored after the payment clears.
Manual bank payment
You initiate a payment from your linked bank account.
Spend Power returns when the payment clears.
Instant debit-card payment
Use any debit card for an instant payoff in the app.
Spend Power refreshes almost immediately.
Using your Deposit account
Move money from your Deposit account to cover what you owe.
This reduces the balance but does not restore Spend Power, because that money is no longer acting as collateral.
Click on "Pay off balance" to start the payment process.
Quick FAQ
Q : Do purchases come out of my deposit account immediately?
A : No. You can make a payment using it anytime.
Q : If I pay with my deposit account, why doesn’t my Spend Power rise again?
A : Because that money is no longer acting as collateral—it’s been used to pay the bill.
Q : Can I raise my Spend Power without adding more to deposit account?
A : Yes—Atlas may increase your unsecured credit limit over time based on good payment history.