"Deposit in use" refers to the portion of your Atlas Deposit Account currently backing your unpaid balance.
How it works
Total deposit: $1,000 in your Atlas Deposit Account.
Current balance: $600 spent using your Atlas Card.
Deposit in use: $600 now marked as "Deposit in use" — it's held as collateral.
Available deposit: $400 (you can still use this for rent, bills, etc.).
What happens when you pay your balance
If you pay from a linked bank account:
Atlas pulls $600 from your bank. The $600 hold is released, and your deposit goes back to $1,000 available.If you pay from your deposit account:
$600 is withdrawn from your deposit. Your deposit drops to $400, which is also your new available balance.
FAQ
Q: Why did my available deposit drop?
A: Part of it is being held to cover your balance until it’s paid off.
Q: What happens when I pay with my bank account?
A: The hold is released, and your full deposit becomes available again.
Q: What if I pay with my deposit instead?
A: The money is removed, so your deposit amount—and Spend Power—goes down.