Direct deposits are the foundation of long-term account growth and profitability.
Flexible paycheck allocation
Let customers choose how much of their paycheck to deposit into their account.
Live tracking and alerts
Get instant alerts when customers complete a switch or update their deposit allocations.
Boost user engagement
Switching deposits leads to the adoption of additional financial products, and grows wallet share.
Accelerate deposit funding
See faster deposit growth within accounts as a result of the frictionless switching process.
Deepen customer loyalty
Make it easy for customers to move their paycheck and keep them banking with you long term.
Direct deposit switching
How it works
Account funding becomes frictionless for employees and employers through Atomic.
User invitation
Customers receive an invitation to connect.
User authentication
They complete a quick payroll authentication.
Automatic routing
Atomic establishes a direct link to their payroll provider.
Redirected payments
Deposits are redirected in full or in part to your institution.
Why Atomic?
Atomic offers a comprehensive approach that is user-centric, secure, and simple.
TrueAuth
Our patented TrueAuth technology eliminates friction and drop-offs, while ensuring more deposits land in your accounts.
Market-leading conversion
Trusted by 7 of the top 10 financial institutions, Atomic delivers industry-leading conversion rates.
Unmatched payroll coverage
Atomic connects to 90% of U.S. payroll providers, including gig platforms, government benefits, and traditional employers, giving you the broadest reach in the industry.