Policies

English
  1. Terms of Service
  2. Mobile Terms
  3. Cardholder Agreement
  4. Credit Card Fee Disclosures
  5. Cashback Program
  6. Academy Bank Deposit Account Agreement
  7. Deposit Account Agreement Rates and Fees
  8. Electronic Communication Agreement
  9. Academy Bank Privacy Policy
  10. Atlas Privacy Policy
  11. New Member Reward Program
  12. Rent Reporting Terms of Service for Renters
  13. Rent Reporting Terms of Service for Property Managers
  14. Credit Score Guarantee Terms and Conditions
  15. Atlas Reward Programs
  16. Smart Save Terms
Spanish
  1. Terms of Service
  2. Mobile Terms
  3. Cardholder Agreement
  4. Credit Card Fee Disclosures
  5. Cashback Program
  6. Academy Bank Deposit Account Agreement
  7. Deposit Account Agreement Rates and Fees
  8. Electronic Communication Agreement
  9. Smart Pay Agreement
  10. Atlas Privacy Policy
  11. Academy Bank Privacy Policy
  12. New Member Reward Program
  13. Rent Reporting Terms of Service for Renters
  14. Rent Reporting Terms of Service for Property Managers
Other
  1. Dwolla Account Terms of Service
  2. Dwolla Privacy Policy
  3. Evolve's Customer Account Terms
  4. Evolve's Privacy Policy
  5. Licenses

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Atlas © Exto Inc. doing business as Atlas, Atlas Application, Atlas Card, Exto Labs is a financial technology company, not a bank.

Customer deposit accounts and payments are subject to Atlas's bank partner account terms. Our bank partners are Academy Bank, member FDIC, and Dwolla partner Evolve Bank & Trust, member FDIC.  The Atlas Card is issued by Patriot Bank N.A. and pursuant to a license from MasterCard® International Incorporated. Lending services are provided by Atlas.