You can pay off your balance anytime—right in the Atlas app. Whether you prefer to let Smart Pay run automatically or make a manual payment, you’re in control.
How to pay your balance
Open the Atlas app
Tap the Card tab
Select Pay Balance
Choose your payment method and follow the prompts
Payment options
Smart Pay (Recommended): Runs daily to keep your balance low and avoid a large bill later. You can pause or skip Smart Pay in Payment Settings.
Linked bank account: Standard ACH payment (clears in 2–5 business days)
Instant debit card: Fastest way to pay—usually within minutes (See our Cardholder Agreement for a list of any applicable fees)
From deposit account: Use funds from your Atlas Deposit Account (won’t increase Spend Power)
Your balance updates once the payment is processed. To make it even easier, Smart Pay can handle this automatically.
FAQs
Q: Can I pay early?
A: Yes—anytime through your linked bank, debit card, or deposit account.
Q: Which payment method is fastest?
A: Paying with a debit card is instant. ACH bank payments take a 2-5 business days.
Q: What if Smart Pay is on?
A: Your balance is paid automatically each day from your linked account.