Spend Power is designed to grow with you. As your relationship with Atlas strengthens, you might notice small increases over time—even without new deposits.
What goes into your Spend Power
Unsecured credit: Includes flex credit (based on your linked bank) and payroll credit (based on direct deposits)
Secured credit: The balance in your Atlas Checking Account
We combine both to give you the highest Spend Power possible.
Want to see faster increases?
Set up direct deposit to build up payroll credit (up to $250)
Keep money in your Atlas Checking Account to increase secured credit
Stay active in the app—limits may grow with continued use
FAQs
Q: What counts as a direct deposit?
A: Payments sent straight to Atlas from your job, benefits, or gig payouts.
Q: How high can my Spend Power go?
A: It depends on your activity, deposits, and credit use—but we’re always looking for ways to increase it.
Q: Will my Spend Power drop if I stop depositing?
A: It’s possible. Steady deposits help keep your Spend Power growing.