New • Build Stickiness: Driving Platform Dependency Through Payment Tracking

The framework for connected banking

Grow direct deposits, increase spend and boost customer engagement with Atomic.

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Explore the platform

Trusted by industry leading financial services

Move your paycheck

over to Molecular Bank

Molecular Bank partners with Atomic to easily set up your direct deposit.

We see that you're paid via Workday

Continue to to securely update your direct deposit.

Switch your direct deposit

Set up later

Molecular

Please confirm your

direct deposit update

From

Ye Olde Bank

Molecular

Amount

Entire paycheck

Confirm & verify

Edit deposit amount

Verify your account

Enter code sent to your phone.

Continue

Your direct deposit has been

updated successfully!

From

Ye Olde Bank

Molecular

Amount

Entire paycheck

Switch payments to Molecular

Connect another account

Netflix

Liberty M...

Modern P...

COX

Spotify

TDS Fiber

Avista

GrubHub

AT&T

Verizon

Xfinity

Amazon

Link your payments

to Molecular Bank

Quickly update your payment method

on bills, subscriptions, and websites.

Get started

Who do you pay?

Search merchants

Popular

Subscriptions

Insurance

Utilities

Continue

Start linking payments

Here is what you've selected so far.

4 selected

Edit

Netflix

Entertainment

Liberty Mutual

Insurance

AT&T

Cell provider

Amazon

Online shopping

Start linking payments

Select more payments

This will link your payment.

Payment methods

Edit

Molecular Credit

•••• •••• •••• 1029

Molecular Debit

•••• •••• •••• 4781

Ye Olde Bank Credit

•••• •••• •••• 2135

Done

netflix.com

Enter your email

Password

Enter your password

AppleID

Cancel

Continue with FaceID

Use different AppleID

Link more of your payments

Here is what you've selected so far.

3 selected

Edit

Liberty Mutual

Insurance

AT&T

Cell provider

Amazon

Online shopping

1 linked

Edit

Netflix

Entertainment

Manage bills and subscriptions

Continue linking payments

Manage your bills and

subscriptions in one place

Scan and identify recurring bills that you're paying for.

Understand your spending habits and save money.

Get started

Paused

Autopay on

Molecular

Your spend

$688

.84

11 recurring payments

$320.32

6 subscriptions

$368.52

5 bills

In 2 days

Netflix

Credit •• 1029

$15.49

You haven't watched Netflix lately...

Want to cancel or pause this subscription?

Liberty Mutual

Credit •• 1029

$149.99

Subscription

Netflix

$15.49 due in 2 days

Paused until May 4th.

Cancel or pause to save

It looks like you haven't watched Netflix in over 3 months

Pause subscription

Cancel subscription

How many months do you want to pause Netflix?

We'll notify you before it reactivates

1 month

2 months

3 months

Nevermind

Subscription paused

Netflix will be active until Apr 4th.
It will reactivate on May 4th.

$46.47 saved

Got it

Plan

2 person

Monthly

Payment method

Molecular Credit

•••• •••• •••• 1029

7:46

Atomic Console

Molecular Bank

Activity

Tasks

Emulator

Resources

Settings

Production

Transact SDK

Initialization

UserLink

Use case

Direct deposit switching

Payroll data

Tax documents

Deposit accounts

Multiple accounts

Starting screen

Consent

Update your direct deposit to Molecular Bank

Learn how you're protected

Only allows access to

Direct deposit to your Molecular Bank account

Doesn't allow access to

Income, paystubs, and timesheets

Name, address, and contact info

Events

Interaction

Viewed login page

Interaction

Auth initialized

Interaction

Viewed search

Molecular

MolecularBank

src

app.jsx

app.styles.ts

import { Atomic, Product } from "@atomicfi/transact-react-native"

// Your implementation goes here

Atomic.transact({

config: {

publicToken: "PUBLIC_TOKEN",

tasks: [{ product: Product.DEPOSIT }]

onInteraction: interaction => {

console.log('Interaction event:', interaction.name, interaction.value)

onFinish: data => {

console.log('Finish event:', data.taskId, data.handoff)

onClose: data => {

console.log('Close event:', data.reason)

}

})

Create next-gen banking products with the features your users are looking for, today.

Subscription management

Let users visualize, budget, or change subscription spending all in one place.

Direct deposit switching

Enable users to set up and seamlessly switch direct deposit destinations in real-time.

Payment switching

Update recurring payment methods on a merchant level directly from banking app.

Bill optimization

Allow users to negotiate recurring billing costs as a part of their normal banking.

Industry leading

Consumer authentication

Securely connect any of your user's third-party accounts to your app.

Subscription management

Financial software, made indispensable

Deliver real value to your users with AI-powered subscription management and meaningful financial recommendations.

Get a demo

Learn about subscriptions

App usage

Monthly cost

Yearly savings

Max

Pause

Resume

$16.99

Spotify

Pause

Resume

$11.99

GrubHub+

Pause

Resume

Save $120 yearly

$9.99

Last login 3 months ago

Paramount+

Pause

Resume

$7.99

Hulu

Pause

Resume

Save $984 yearly

$81.99

Last login 6 months ago

Max

Pause

$16.99

Spotify

Pause

$11.99

GrubHub+

Resume

Saved $120 yearly

$9.99

Last login 3 months ago

Paramount+

Pause

$7.99

Identify subscriptions

Give users a clear picture of recurring expenses by quickly identifying all active subscriptions.

Cancel with one click

Pause, cancel, or reactivate subscriptions in one click—provide users ultimate control of their finances.

Track free trials

Receive and send alerts when free trials are about to expire to avoid surprise charges.

Get real-time updates

Stay informed and proactive by receving and providing real-time updates on subscription changes.

Direct deposit switching

The
fastest path
to more direct deposits

The road to primacy starts with capturing a member's direct deposit. In an increasingly busy world, Atomic cuts to the chase.

Learn about deposit switching

Maximize conversions
Achieve top conversion rates with tools that drive user action.
Comprehensive coverage
Offer users unmatched access to tailored financial products.
Seamless user experience
Delight your app's users with an intuitive and frictionless journey.

Payment switching

Drive card usage, become top-of-wallet

Give users the ability to update their card-on-file across all of their merchants in one go.

Get a demo

Explore payment switching

Get a demo

Explore payment switching

Get a demo

Explore payment switching

One SDK, multiple open-bank offerings

Streamline your integration process with a single SDK that unlocks access to multiple open-banking solutions. Deliver a seamless experiences with minimal effort.

Read the docs

Integrate with anything using
TrueAuth
TrueAuth
TrueAuth

Effortlessly connect to any platform, service, or system with TrueAuth. Enable secure, frictionless integrations for payments, banking, and more.

Bill optimization

Most people are wasting money on their bills. Provide your users a smarter way to manage them.

Explore bill optimization

Savings Account

$11,071.02

Recent activity

$11,071.02

Geico

-$237.32

Nov 15 • 12:31 pm

$11,071.02

$11,268.34

ACH Direct Deposit

+$2,481.96

Nov 15 • 8:42 am

$11,268.34

Apple

-$32.96

Nov 15 • 10:42 am

$8,786.38

Automatically detect bills
Automatically scan user's transactions and identify recurring billing.
Integrate with billers
Connect and integrate with these accounts and analyze plans for saving.
Unlock savings
Allow users to automatically negotiate better rates through your app.

Explore bill optimization

The latest company updates

Atomic insights

View all articles

Get a demo

Unlock the action layer of your financial app

To connect with us, please fill out the form. Expect a response within one business day.

Request a product demo
Receive customized pricing
Get help onboarding

Trusted by industry leading financial services

Contact sales

We'll be in touch soon

Our team has received your message.

Here's what to expect for next steps:

Response within one business day
Specialized sales representative
30 minute discovery call invite

Get setup for success

Create an Atomic account today.

The framework for connected banking

Create next-gen banking products with the features your users are looking for, today.

Cancel/pause subscription?

Subscription management

Direct deposit switching

Payment switching

Bill optimization

Consumer authentication

Subscription management

Financial software, made indispensable

Identify subscriptions

Cancel with one click

Track free trials

Get real-time updates

Direct deposit switching

The
fastest path
to more direct deposits

Maximize conversions

Comprehensive coverage

Seamless user experience

Payment switching

Drive card usage, become top-of-wallet

One SDK, multiple open-bank offerings

Integrate with anything using
TrueAuth
TrueAuth
TrueAuth

Bill optimization

Most people are wasting money on their bills. Provide your users a smarter way to manage them.

Automatically detect bills

Integrate with billers

Unlock savings

The latest company updates

Atomic insights

Build Stickiness: Driving Platform Dependency Through Payment Tracking

Atomic Raises $10 Million in Strategic Round from Capital One Ventures, Citi Ventures, and F.N.B Corporation

Consumer Banking is at a Crossroads—Bill Management is the Path to Profitability

Capture Spend: Turning New Accounts into Primary Payment Hubs

Engage Early: How Subscription & Bill Management Drive Lasting Customer Loyalty

Get a demo

Unlock the action layer of your financial app

Contact sales

The framework for connected banking

Create next-gen banking products with the features your users are looking for, today.

Subscription management

Direct deposit switching

Payment switching

Bill optimization

Consumer authentication

Subscription management

Financial software, made indispensable

Identify subscriptions

Cancel with one click

Track free trials

Get real-time updates

Direct deposit switching

The fastest path to more direct deposits

Maximize conversions

Comprehensive coverage

Seamless user experience

Payment switching

Drive card usage, become top-of-wallet

One SDK, multiple open-bank offerings

Integrate with anything using TrueAuthTrueAuthTrueAuth

Bill optimization

Most people are wasting money on their bills. Provide your users a smarter way to manage them.

Automatically detect bills

Integrate with billers

Unlock savings

The latest company updates

Atomic insights

Build Stickiness: Driving Platform Dependency Through Payment Tracking

Atomic Raises $10 Million in Strategic Round from Capital One Ventures, Citi Ventures, and F.N.B Corporation

Consumer Banking is at a Crossroads—Bill Management is the Path to Profitability

Capture Spend: Turning New Accounts into Primary Payment Hubs

Engage Early: How Subscription & Bill Management Drive Lasting Customer Loyalty

Get a demo

Unlock the action layer of your financial app

Contact sales

The
fastest path
to more direct deposits

Integrate with anything using
TrueAuth
TrueAuth
TrueAuth