The Atlas Mastercard is issued by our bank partners, Patriot Bank, N.A. and Academy Bank, N.A., pursuant to a license from Mastercard® International Incorporated. The Atlas Mastercard is optional; you do not need to request or use an Atlas Mastercard to sign up for Atlas.

Customer deposit accounts and payments are subject to Atlas's bank partner account terms. Our bank partners are Academy Bank, N.A., Member FDIC, and Dwolla partner Veridian Credit Union. See the Atlas Smart Save Terms for details on this program. Early access to any direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Tax filing service subject to partner terms.

Increase in credit score is dependent on on-time payment behavior and not guaranteed. Credit score is impacted by many factors and an Atlas card is one of them.

* Atlas approval rate is usually over 95%, which is higher than the typical credit card approval rates reported in the CFPBs Consumer Credit Card Market report from 2023. Atlas approval rate assumes successful identity verification which is required to use the platform and services. See linked report for the CFPB Credit Card market report from 2023 (see page 81 for approval rates).

^ New members are eligible for a signup bonus of $10 to $1000, awarded as points. Must spend $1000 in the first 6 months to qualify. Atlas bonus, reward, and cashback program terms apply.