How to Set Up Direct Deposit
Open the Atlas app and tap the green $ sign (💲).
Tap Unlock Payroll Credit or Cash Ahead.
Choose how you'd like to set up direct deposit:
Instant Setup – Search for your employer or payroll provider and sign in securely.
Account Numbers – Can't find your employer? Use your Atlas account and routing numbers.
Get Direct Deposit Form – Download a pre-filled form to send to your employer.
Follow the prompts to link your paycheck and finish setup.
Need a Direct Deposit Form?
If your employer requires a direct deposit form:
Open the Atlas app.
Tap Unlock Payroll Credit or Cash Ahead.
Select Get Direct Deposit Form.
Share the completed form with your employer or payroll provider.
Why link your paycheck?
Get paid early — Receive eligible direct deposits up to 2 days sooner.
Grow your Spend Power — Your available credit can increase as qualifying deposits are received.
Unlock up to $250 Payroll Credit — Build your Spend Power over time with consistent direct deposits.
Unlock Cash Ahead — Eligible users may qualify for Cash Ahead with qualifying direct deposits and account activity.
Enjoy more perks — Reach Platinum Tier with $250+ deposits and unlock Mystery Boxes.
FAQs
Q: Do I have to deposit my full paycheck?
A: No. Even small qualifying direct deposits can help grow your Spend Power.
Q: What if I can't find my employer?
A: Choose Account Numbers to use your Atlas account and routing numbers, or select Get Direct Deposit Form to provide your employer with your banking information.
Q: How do I get the full $250 Payroll Credit?
A: Continue receiving qualifying direct deposits. Your Spend Power can grow over time, up to the maximum available.