You can pay off your Current Balance in three ways:
Linked bank account
Debit card
Atlas Deposit Account
What happens if I pay from my Deposit Account?
When you pay using funds from your Atlas Deposit Account, your Current Balance goes down—but your Spend Power also decreases by the same amount.
That’s because the money in your deposit acts as secured credit. Once it’s used for payment, your secured credit (and therefore total Spend Power) is reduced.
Key Formulas
Spend Power = Secured Credit + Unsecured Credit
Available to Spend = Spend Power – Current Balance
Why this matters
Paying with your linked bank or debit card restores your Spend Power, since your deposit stays untouched.
Paying with your deposit account helps lower your balance—but it also lowers your secured credit.
Want to learn more? Check out our Spend Power article.
FAQs
Q: Will my Spend Power go up if I pay from my deposit?
A: No. Since that money is used to pay the bill, it’s no longer counted as secured credit.
Q: How do I keep my Spend Power high?
A: Pay using your linked bank account or debit card instead of your deposit.
Q: Is it okay to pay from my deposit?
A: Yes—just know it lowers your secured credit and won’t increase your Available to Spend.