Today, the traditional pay cycle does not align with bill pay, putting millions of consumers at risk of incurring overdraft fees or interest for missing a bill in between pay periods.

The market has seen a bevy of new entrants offering EWA as an employer benefit and direct-to-consumer income smoothing advances. However, none have tailored their offering for financial institutions. Further, many look to challenge traditional financial institutions for account primacy.

our approach.

With Atomic, financial institutions can enable customers to unlock paycheck liquidity by tapping earned but unpaid wages ahead of their employers’ pay cycles, similarly to EWA products.



​​Unlock ​​​ paycheck liquidity


​Integrate ​​​ a competitive earned wage access offering


​Boost ​​​ customer loyalty while growing direct deposit acquisition

we’re committed
 to security.

Security is essential to Atomic’s mission. Atomic regularly undergoes external security audits. Only strong TLS protocols are used, ensuring encrypted transmission of data. Our team has built some of the most secure banking systems in the industry. Security is in our DNA.

Learn more about Atomic.

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