Yes—adding funds to your Atlas account can increase your Spend Power. It’s optional but a great way to give yourself more room to spend.
How it works
Deposits are added to your secured credit
Your limit increases by the exact amount you deposit
You can fund your account via debit card or payroll direct deposit
FAQs
Q: What’s the best way to deposit?
A: You can use a linked debit card or set up direct deposit through your employer.
Q: Will I earn interest on deposits?
A: Yes! All customers earn at least 1% interest on their Atlas Checking Account balance. You can earn 4% interest when you receive at least one $500+ direct deposit during a monthly statement period.
Q: Can I withdraw the money later?
A: You can withdraw your deposit anytime if it’s not being used as collateral for active balances.