Capture deposits, build more loyalty

Turn direct deposits into more primary relationships, retention, and account growth.

Direct deposits are the foundation of long-term account growth and profitability.

Users can effortlessly move paychecks to your institution—without ever leaving the app.

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.

How it works

Account funding becomes frictionless for employees and employers through Atomic.

1

User invitation

Customers receive an invitation to connect.

2

User authentication

They complete a quick payroll authentication.

3

Automatic routing

Atomic establishes a direct link to their payroll provider.

4

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.

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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.

Ready to win more direct deposits?

Make it easy for user to move their paychecks and keep them engaged with your institution

Sign up for Atomic
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