Direct Deposit by Atomic is a secure, built-in feature in Digital Banking that allows you to switch or update your paycheck deposit electronically — without paperwork or contacting your employer or HR department.

Log in to Digital Banking on the mobile app or desktop and select Direct Deposit from the main menu. Review the terms and select Accept and Continue, then choose Manage Direct Deposit. Select the account for your paycheck, choose your employer or payroll provider (use search if needed), and sign in with your employer credentials. Review your information and select Continue to complete setup. You’ll receive a confirmation once your direct deposit is active. 

Atomic connects securely to your payroll provider so you can update your paycheck instructions directly inside Digital Banking using a guided in-app process.

No. With Atomic, there are no paper forms or manual signatures. All updates are completed digitally through the mobile app or online banking.

Yes. Atomic uses industry-standard encryption and secure connections to protect your payroll credentials and personal information throughout the process.

Updates are submitted digitally to your employer or payroll provider, helping your direct deposit switch occur faster than traditional paper forms.

Yes. You can deposit your full paycheck into one account or allocate portions to multiple Cabrillo accounts — such as checking, savings, or goals-based accounts.

Yes. Before switching your deposit, you’ll review and accept the Digital Banking Terms & Conditions related to payroll switching.

This step securely connects Atomic to your payroll profile so it can update your direct deposit instructions on your behalf.

Use the search bar inside Atomic to locate your employer or payroll provider (such as ADP, Workday, or others), then select the correct option to continue.

Yes. You’ll enter your existing payroll credentials to authorize the connection and confirm permission to update your direct deposit settings.

You’ll select the Cabrillo account(s) where your pay should be deposited, and you may choose to send 100% to one account or split it across multiple accounts.

Atomic digitally submits your update to your employer or payroll provider. Your upcoming paycheck(s) will begin depositing into your selected Cabrillo account(s).

No. Atomic communicates the update automatically, so no separate employer form or HR follow-up is required.

You can adjust your direct deposit at any time by returning to the Direct Deposit option inside Digital Banking and updating your selections.

Once confirmed, your paycheck will begin depositing into Cabrillo based on the allocation and schedule you selected. No additional steps are required unless you choose to make changes in the future.