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.