Case Study: Top 25 US Neobank achieves 50% lift in direct deposit customers in 30 days with Atomic's payroll API

US Neobank - Customer Case Study

US Neobank was losing customers and facing fraud risk from traditional paper-based direct deposit setup during digital account opening. To fix slow, error-prone funding and boost primary funding acquisition, US Neobank partnered with Atomic and deployed Atomic’s payroll API for digital direct-deposit onboarding.

Atomic integrated its payroll API (165+ payroll integrations and comprehensive employer mapping) to enable real-time verification, secure consumer authentication, and instant setup of primary funding—often within the current or next pay cycle. As a result, US Neobank achieved a 50% lift in direct-deposit customers in the first 30 days compared with another vendor, faster funding and onboarding, improved authentication rates, and reduced fraud and unfunded-account costs thanks to Atomic’s verification and payroll coverage.