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Do I have to deposit the full amount of my direct deposit?

Updated over 2 weeks ago

Do I have to link my entire direct deposit?

No, with Atlas, you’re in control. You can send your full paycheck or just a portion—whatever works best for you. You can update this anytime through your payroll provider.

What to know

  • You can link multiple paycheck sources

  • All deposits go to your Atlas Deposit account

  • They help grow your Spend Power or pay your balance faster

  • Linking your full paycheck can boost Payroll Credit and unlock Platinum Tier perks like cash back

FAQs

Q: Do I need to send my full paycheck to Atlas?

A: No. You’re in control—send just a portion or your full check. Full deposits can increase your Spend Power, which gives you more to use for spending with Atlas.

Q: What if I just want to try it out and only send part of my paycheck?

A: That’s totally fine. You can start by sending $200 each payday instead of your full check. You’ll still build Payroll Credit.

Q: Can I change my deposit amount later?

A: Absolutely. You can increase it in the app or update your info through your employer/payroll portal.

Q: I linked my payroll, but I don’t see any deposit yet. What should I do?

A: It can take 1–2 pay cycles to start. If it’s been longer, check with your employer to confirm they used your Atlas info.

Q: Does setting up payroll stop Smart Pay from running?

A: No. Smart Pay still runs to help avoid missed payments. Your deposit just helps pay your balance faster.

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