As you continue to build your relationship with Atlas, you may notice some small increases in your Spend Power. One of the many perks of Atlas is our ability to combine your unsecured and secured credit, resulting in the highest Spending Power limit available to you.

Unsecured credit includes your flex credit (based on your linked bank account) and payroll credit (based on direct deposits that land in your Atlas Deposit Account). Secured credit on Atlas is the money in your Atlas Deposit Account. Your maximum Spend Power is the sum of your unsecured credit and secured credit on your Atlas account. Learn more in the "Credit Card" section of the app.

Want to boost your Spend Power?

We've got you covered! One of the most effective ways to do so is by simply adding a deposit or setting up direct deposit (also known as getting payroll credit). This way, every time a direct deposit lands, your secured credit goes up and so does your "payroll credit", a portion of your unsecured credit. Your payroll credit can grow up towards $250.

Feel free to reach out if you have any questions. Let us guide you towards maximizing your spending potential!