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Will I get an increase in unsecured credit if I switch my direct deposit to Atlas?

Updated today

Switching helps unlock Payroll Credit, which acts like flexible credit that grows with your direct deposits. Combine this with your Flex Credit and Secured Deposit, and you get your total Spend Power—the full amount you can use with your Atlas card.

What you get with direct deposit

  • Up to $250 Payroll Credit — Grows every other paycheck as long as your direct deposit is steady

  • Early Pay — Get paid up to 2 days early

  • Platinum Perks — Unlock exclusive rewards with higher deposits

  • Mystery Boxes — Earn surprise rewards or chances to double your paycheck

Why it matters

You won’t get instant cash, but direct deposit gives you real benefits that grow with you—like building credit access, unlocking rewards, and getting more from every paycheck.

FAQs

Q: Do I get money right away when I switch?

A: Not instantly. Spend Power grows once your first deposit hits.

Q: How do I get the full $250 credit?

A: Make regular direct deposits—your Payroll Credit grows every other paycheck.

Q: Why switch my paycheck to Atlas?

A: You’ll get early pay, build credit access, and unlock rewards like Platinum Tier and Mystery Boxes.

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