Add money instantly to boost your balance and Spend Power.
What to know
Link your debit card to deposit money instantly—starting at just $20.
Instant deposits are secure and help you make the most of your Atlas account.
Fees may apply. See our Cardholder Agreement for details.
Note: Successful transfers made via debit card are instant and can be accessed right away for any purpose!
Why it matters
Grow your Spend Power to increase how much you can spend
You earn 1% APY on your deposits, credited quarterly to your account—or 4% APY when you set up direct deposits of $500 or more.
Unlock higher cash-back rewards based on your activity
Build your credit with every deposit
How to make an instant deposit
Make sure your Atlas app is updated
Go to the Money tab → Tap the Add Deposit button (with a + symbol)
Choose an Amount and select the Frequency
Choose Instant deposit via debit card
FAQs
Q: How do I link my debit card?
A: Check out our guide: How do Instant Payments via Debit Card work? for step-by-step instructions.
Q: How long do instant deposits take?
A: Transfers are usually instant or take just a few minutes—depending on your card issuer and bank.
Q: Can I use any debit card?
A: Yes—as long as it’s in your name and supported by our payment partner.