https://atomic.financial

Atomic: The framework for connected bankingGrow direct deposits, increase spend and boost customer engagement with Atomic.Atomic: The framework for connected bankingSkip to contentAtomic logoSolutionsChevron down iconInsightsDocsContact salesChevron right iconStart nowChevron right iconContact salesChevron right iconAtomic Subscriptions iconManageManage bills & subscriptionsAtomic Deposit iconDepositDirect deposit switchingAtomic Payments iconSwitchSwitch payment methodsAtomic Verify iconVerifyVerify income and employmentAtomic Tax iconTaxAccess tax refunds and W2sAtomic Authentication iconAuthenticationAccess payroll and merchant systemsSolutionsChevron down iconAtomic Subscriptions iconManageManage bills & subscriptionsAtomic Deposit iconDepositDirect deposit switchingAtomic Payments iconSwitchSwitch payment methodsAtomic Verify iconVerifyVerify income and employmentAtomic Tax iconTaxAccess tax refunds and W2sAtomic Authentication iconAuthenticationAccess payroll and merchant systemsInsightsDocsSign in Get startedNew • SKU-Level DataChevron right iconThe framework for connected bankingGrow direct deposits, increase spend and boost customer engagement with Atomic.Get a demoChevron right iconExplore the platformTrusted by industry leading financial servicesMastercard logo Experian logo Frost Bank logo Moneylion logo MX logoMolecular iconMove your paycheckover to Molecular BankMolecular Bank partners with Atomic to easily set up your direct deposit.Workday app iconCheckmark iconWe see that you're paid via WorkdayContinue to to securely update your direct deposit.Switch your direct depositSet up laterChevron left iconMolecular icon MolecularCog iconPlease confirm yourdirect deposit updateBank iconFromYe Olde BankMolecular iconToMolecular$AmountEntire paycheckConfirm & verifyEdit deposit amountVerify your accountEnter code sent to your phone.249187ContinueYour direct deposit has beenupdated successfully!Bank iconFromYe Olde BankMolecular iconToMolecular$AmountEntire paycheckSwitch payments to MolecularConnect another accountNetflix app iconCheckmark iconNetflixLibery Mutual app iconCheckmark iconLiberty M...Modern Power app iconModern P...Cox app iconCOXSpotify app iconSpotifyTDS app iconTDS FiberSpotify app iconAvistaGrubHub app iconGrubHubAT&T app iconCheckmark iconAT&TVerizon app iconVerizonXfinity app iconXfinityAmazon app iconCheckmark iconAmazonLink your paymentsto Molecular BankQuickly update your payment methodon bills, subscriptions, and websites.Get startedWho do you pay? Close iconMagnifying glass icon Search merchantsPopularSubscriptionsInsuranceUtilitiesNetflix app icon Libery Mutual app icon AT&T app icon Amazon app iconContinueStart linking payments Close iconHere is what you've selected so far.4 selectedEditNetflix app iconNetflixEntertainmentChevron right iconLibery Mutual app iconLiberty MutualInsuranceChevron right iconAT&T app iconAT&TCell providerChevron right iconAmazon app iconAmazonOnline shoppingChevron right iconStart linking paymentsSelect more paymentsNetflix app iconSign in to Netflix Close iconThis will link your payment.Payment methodsEditMolecular Credit••••  ••••  ••••  1029Molecular icon Mastercard logoMolecular Debit••••  ••••  ••••  4781Molecular icon Mastercard logoYe Olde Bank Credit••••  ••••  ••••  2135Visa logoSign in on NetflixDoneLock icon netflix.comRefresh iconNetflix logoSign in to NetflixEmailEnter your emailPasswordEnter your password Eye iconAppleIDCancel Continue with FaceIDUse different AppleIDLink more of your payments Close iconHere is what you've selected so far.3 selectedEditLibery Mutual app iconLiberty MutualInsuranceChevron right iconAT&T app iconAT&TCell providerChevron right iconAmazon app iconAmazonOnline shoppingChevron right icon1 linkedEditNetflix app iconNetflixEntertainmentChevron right iconManage bills and subscriptionsContinue linking paymentsSpotify app iconAT&T app iconHulu app iconSpotify app iconUber app iconStarbucks app icon T-Mobile app icon Netflix app icon Amazon app icon Lyft app iconManage your bills andsubscriptions in one placeBank notes iconScan and identify recurring bills that you're paying for.$Understand your spending habits and save money.Get startedPause iconPausedRefresh iconAutopay onMolecular icon MolecularCog iconYour spend$688.8411 recurring payments$320.326 subscriptions$368.525 billsIn 2 daysNetflix app iconNetflixCredit  ••  1029Refresh icon$15.49You haven't watched Netflix lately...Chevron right iconWant to cancel or pause this subscription?Libery Mutual app iconLiberty MutualCredit  ••  1029Refresh icon$149.99SubscriptionNetflix$15.49 due in 2 daysPaused until May 4th.Netflix app iconCancel or pause to saveIt looks like you haven't watched Netflix in over 3 monthsPause icon Pause subscriptionClose icon Cancel subscriptionHow many months do you want to pause Netflix?We'll notify you before it reactivates1 month2 months3 monthsNevermindSubscription pausedNetflix will be active until Apr 4th.It will reactivate on May 4th.Checkmark icon $46.47 savedPause icon Got itPlan2 personMonthlyEdit iconPayment methodMolecular Credit••••  ••••  ••••  1029Molecular icon Mastercard logo9:20Subscription managementDirect deposit switchingPayment switchingAtomic logoAtomic ConsoleMolecular iconMolecular BankActivityTasksEmulatorResourcesSettingsProductionChevron down iconChevron left iconTransact SDKInitializationUserlink iconUserLinkCrossed arrows iconUse caseDirect deposit switchingPayroll dataTax documentsDeposit accountsMultiple accountsStarting screenConsentSearchLoginMolecular iconAtomic logoUpdate your direct deposit to Molecular BankLearn how you're protectedOnly allows access toBank iconDirect deposit to your Molecular Bank accountDoesn't allow access toMoney iconIncome, paystubs, and timesheetsUser iconName, address, and contact infoEventsInteractionViewed login pageEllipsis iconInteractionAuth initializedEllipsis iconInteractionViewed searchEllipsis iconMagnifying glass iconMolecularChevron down iconMolecularBankChevron down iconsrcCode bracket iconapp.jsxCode bracket iconapp.jsxCode bracket iconapp.styles.ts1import { Atomic, Product } from "@atomicfi/transact-react-native"23// Your implementation goes here45Atomic.transact({6config: {7publicToken: "PUBLIC_TOKEN",8tasks: [{ product: Product.DEPOSIT }]9},10onInteraction: interaction => {11console.log('Interaction event:', interaction.name, interaction.value)12},13onFinish: data => {14console.log('Finish event:', data.taskId, data.handoff)15},16onClose: data => {17console.log('Close event:', data.reason)18}19})Create next-gen banking products with the features your users are looking for, today.HBO Max logo iconBolt iconMaxMolecular Debit   ••  1029$16.99Cancel/pause subscription?You have used Max in over 3 months.Arrow right iconPause iconPause subscriptionClose iconCancel subscriptionSubscription managementChevron right iconLet users visualize, budget, or change subscription spending all in one place.Bank iconFromPaycor••  4584Molecular iconToMolecular Checking••  9552$AmountEntire paycheckConfirmDirect deposit switchingChevron right iconEnable users to set up and seamlessly switch direct deposit destinations in real-time.Hulu logo iconWalmart logo iconAT&T logo iconCheckmark iconChase logo icon Visa logo••  4428Chase CreditMolecular icon Mastercard logo••  1029Molecular DebitChevron up icon Chevron down iconPayment switchingChevron right iconUpdate recurring payment methods on a merchant level directly from banking app.Save over $50 on your insuranceKeep the same coverage at a lower rate.Arrow right iconGeico logo iconGeicoMolecular Debit   ••  1029Refresh icon$218.62Bill optimizationChevron right iconAllow users to negotiate recurring billing costs as a part of their normal banking.Industry leadingConsumer authenticationChevron right iconSecurely connect any of your user's third-party accounts to your app.StandardAuthTrueAuthCoAuthApple logo iconLyft logo iconAtomic logoUber logo iconTarget logo iconConnect accounts to your bankEmailalexthompson@gmaPasswordSubscription managementFinancial software, made indispensableDeliver real value to your users with AI-powered subscription management and meaningful financial recommendations.Get a demoChevron right iconLearn about subscriptionsApp usageMonthly costYearly savingsHBO Max logo iconMaxCog iconPause icon Play iconPauseResume$16.99Spotify logo iconSpotifyCog iconPause icon Play iconPauseResume$11.99GrubHub logo iconGrubHub+Cog iconPause icon Play iconPauseResumeSave $120 yearly$9.99Last login 3 months agoParamount Plus logoParamount+Cog iconPause icon Play iconPauseResume$7.99Hulu logo iconHuluCog iconPause icon Play iconPauseResumeSave  $984 yearly$81.99Last login 6 months agoHBO Max logo iconMaxCog iconPause iconPause$16.99Spotify logo iconSpotifyCog iconPause iconPause$11.99GrubHub logo iconGrubHub+Cog iconPlay iconResumeSaved $120 yearly$9.99Last login 3 months agoParamount Plus logoParamount+Cog iconPause iconPause$7.99Identify subscriptionsGive users a clear picture of recurring expenses by quickly identifying all active subscriptions.Cancel with one clickPause, cancel, or reactivate subscriptions in one click—provide users ultimate control of their finances.Track free trialsReceive and send alerts when free trials are about to expire to avoid surprise charges.Get real-time updatesStay informed and proactive by receving and providing real-time updates on subscription changes.Direct deposit switchingThe fastest path to more direct depositsThe road to primacy starts with capturing a member's direct deposit. In an increasingly busy world, Atomic cuts to the chase.Try for freeChevron right iconLearn about deposit switchingAcme Corp3272156110 Washington St.November 15, 2025Los Gatos, CA 95030PayThree thousand two hundred dollarsAmount$3,200.00ToAlex Thompson3158 Atomic CircleSan Francisco, CA 94107Gusto logo iconPaycor iconPaylocity logo iconWorkday logo iconMolecular iconAtomic logoUser iconMolecular iconMolecularBell icon$14,271.02Total available balanceiChecking$4,327.18Savings$9,943.84Ye Olde Bank LogoSavings Account$11,071.02November 15, 2025Maximize conversionsAchieve top conversion rates with tools that drive user action.Comprehensive coverageOffer users unmatched access to tailored financial products.Seamless user experienceDelight your app's users with an intuitive and frictionless journey.Payment switchingDrive card usage, become top-of-walletGive users the ability to update their card-on-file across all of their merchants in one go.Get a demoChevron right iconExplore payment switchingYe Olde Bank LogoCredit card chip123456789012345612345678901234561234567890123456Alex ThompsonAlex ThompsonAlex ThompsonMolecular iconMolecular iconMolecularMastercard logoGet a demoChevron right iconExplore payment switchingGet a demoChevron right iconExplore payment switchingApple logo iconHulu logo iconWalmart logo iconAT&T logo icon9:20Chevron left iconMolecular iconMolecularCog iconSwitch all of your subscriptions to Molecular in just a few clicksVisa logo••  3456Ye Olde CreditMolecular icon Mastercard logo••  1029Molecular CreditChevron up icon Chevron down iconOne SDK, multiple open-bank offeringsStreamline your integration process with a single SDK that unlocks access to multiple open-banking solutions. Deliver a seamless experiences with minimal effort.Read the docsIntegrate with anything using TrueAuthTrueAuthTrueAuthEffortlessly connect to any platform, service, or system with TrueAuth. Enable secure, frictionless integrations for payments, banking, and more.See it in actionBill optimizationMost people are wasting money on their bills. Provide your users a smarter way to manage them.Start nowChevron right iconExplore bill optimizationSign up todayChevron right iconSavings Account$11,071.02Recent activityMagnifying glass icon Cog icon$11,071.02Geico-$237.32Nov 15 • 12:31 pm$11,071.02$11,268.34ACH Direct Deposit+$2,481.96Nov 15 • 8:42 am$11,268.34Apple-$32.96Nov 15 • 10:42 am$8,786.389:20Molecular iconManageCog icon$688.8411 Recurring payments$220.326 Subscriptions$468.523 BillsIn 2 daysSpotify app iconGeicoSavings **4422Refresh icon$237.32Save over $50 on your insuranceChevron right iconKeep the sSame coverage at lower rate.In 3 daysHulu app iconHuluDebit **2392Refresh icon$74.99Spotify app iconSpotifyDebit **2392Refresh icon$24.12Automatically detect billsAutomatically scan user's transactions and identify recurring billing.Integrate with billersConnect and integrate with these accounts and analyze plans for saving.Unlock savingsAllow users to automatically negotiate better rates through your app.Explore bill optimizationThe latest company updatesAtomic insightsView all articlesChevron right iconInsightRead moreChevron right iconSKU-Level DataTransaction data is a shadow. SKU-level data is the reality. Atomic is unlocking item-level purchase data from the world’s largest merchants—powering better underwriting, fewer disputes, and truly autonomous finance.InsightRead moreChevron right iconMy co-founder and I launched similar products 7 years apart, here’s what we’ve learnedCo-founder and CEO, Jordan Wright, reflects on launching payment switching products seven years apart, the lessons learned, and how new technology finally unlocked scale.InsightRead moreChevron right iconBeyond the Paycheck Motel: How Modern Bill Management Turns Deposits Into Engagement — and How Atomic Helps FIs Win Them BackBy Atomic TeamInsightRead moreChevron right iconAtomic’s 2025 Year in Review: Turning Financial Moments Into ActionBy Atomic TeamInsightRead moreChevron right iconUplink v3: Faster & Safer Automation Fabric 🅴By Scott WeinertGet a demoUnlock the action layer of your financial appTo connect with us, please fill out the form. Expect a response within one business day.Request a product demoReceive customized pricingGet help onboardingSign up for AtomicChevron right iconTrusted by industry leading financial servicesContact salesWe'll be in touch soonField Exclamation icon Enter your nameName Exclamation icon Business email requiredBusiness email ReasonExclamation icon Select an optionSales Support Other Exclamation icon Please add detailsHow can we help you? By submitting this form, you agree that your information is collected in accordance with our Privacy Policy.SubmitThank you for your submission!Our team has received your message.Here's what to expect for next steps:Checkmark iconResponse within one business dayCheckmark iconSpecialized sales representativeCheckmark icon30 minute discovery call inviteGet setup for successCreate an Atomic account today.Sign upChevron right iconFrost Bank logoOne logoBackbase logoM1 logo iconMastercard logoMX logoBond logoColumn Tax logoJack Henry logoExperian logoGalileo logoAtomic logoFinancial connectivity starts hereLight mode iconDark mode iconLinkedIn icon GitHub icon YouTube iconSolutionsManageDepositSwitchVerifyTaxAuthenticationCompanyAboutCareersInsightsHelp centerContact usPatentsSecurityPrivacy promiseData securityEnd user privacyOnline privacy©2026 Atomic FI inc.Sign inenenhttps://atomic.financial

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