Unlink your bank account through Atlas settings
To unlink a bank account from Atlas, log into your Atlas account online, go to the settings or account management section, find the linked bank accounts area, and select the account you want to remove. Most Atlas accounts show a "Remove," "Unlink," or "Delete" button next to each linked bank account. Click that button, and Atlas will ask you to confirm the removal. Once you confirm, the connection between your Atlas account and that bank account is severed — Atlas can no longer initiate transactions or access that account.
The exact path varies slightly depending on whether you're using Atlas's web platform or mobile app. On the web, look for "Settings" in the top menu or account dropdown, then "Payment Methods" or "Linked Accounts." On mobile, the same options are usually under a gear icon or "Account" tab. If you cannot find the linked accounts section, Atlas's support documentation or in-app help should direct you to the right page.
Unlinking does not close your Atlas account or affect any pending transactions that were already authorized before you unlinked. It only stops Atlas from being able to pull money from or push money to that specific bank account going forward.
Key Takeaways
- Unlinking a bank account from Atlas stops the service from accessing that account but does not close your Atlas account or cancel pending transactions.
- The unlink option is located in your account settings under a section labeled "Linked Accounts," "Payment Methods," or similar, and requires confirmation to complete.
- If you unlink an account by mistake, you can re-link it by providing your bank login credentials again through the same settings area.
- Unlinking a bank account does not affect any recurring payments or subscriptions you set up through Atlas; you will need to update or cancel those separately if you no longer want them.
What happens to recurring payments after you unlink
If you have set up recurring payments, subscriptions, or automatic transfers using the bank account you are unlinking, those will not automatically stop. Instead, they will fail on the next scheduled date because Atlas will no longer have access to that account. You will likely receive a notification from Atlas or the merchant that the payment could not go through.
Before you unlink, review any active recurring payments tied to that account. If you want to keep them running, either link a different bank account to Atlas first, or contact the merchant or service directly to update their payment method. If you want to cancel the recurring payment entirely, do that through Atlas's payment settings or through the merchant's website before unlinking the bank account.
Re-linking the same bank account later
If you unlink a bank account and then decide you need to use it again with Atlas, you can re-link it. Go back to the linked accounts section in your settings, select "Add Account" or "Link Bank Account," and enter your bank login credentials again. Atlas will verify the account the same way it did the first time, which usually takes a few minutes to a few hours.
Re-linking does not restore old transaction history or settings — you are creating a fresh connection. Any recurring payments you had set up before will still be inactive and will need to be set up again if you want them to resume.
Unlinking does not stop pending or scheduled transactions
A transaction that has already been authorized or scheduled before you unlink will still go through on its due date, even if the bank account is no longer linked to Atlas. This is because the transaction instruction has already been sent to your bank or the merchant. Unlinking only prevents new transactions from being initiated.
If you have a payment scheduled for tomorrow and you unlink today, that payment will still attempt to process. To stop a payment that is already scheduled, you need to cancel it through Atlas's transaction or payment history, or contact your bank directly to request a stop payment. Unlinking the account is not the same as canceling a specific transaction.
Why you might want to unlink instead of closing your account
You might unlink a bank account without closing your Atlas account if you are switching banks, if that account is no longer active, or if you want to use Atlas with a different bank account. Unlinking keeps your Atlas account and its history intact while simply removing access to one specific bank.
If you want to stop using Atlas entirely, closing your account is a separate step. Unlinking all your bank accounts does not automatically close the account — you will need to look for a "Close Account" or "Deactivate Account" option in your settings if that is your goal.
Troubleshooting if the unlink button does not appear
If you cannot find an unlink option for a linked bank account, the account may be locked because a transaction is currently pending, or because Atlas is waiting for verification. Wait a few hours or a day for any pending transactions to complete, then try again. If the account shows as "pending" or "verifying," you may need to wait for that process to finish before you can remove it.
If the unlink button still does not appear after pending transactions clear, contact Atlas support directly. There may be a technical issue, or the account may be tied to an active service or subscription that requires it to remain linked until you cancel that service first.
Frequently Asked Questions
Will unlinking my bank account affect my credit score?
No. Unlinking a bank account from Atlas does not report to credit bureaus and has no impact on your credit score. It is simply removing a connection between two accounts you control.
Can I unlink a bank account if I have a balance owed to Atlas?
That depends on Atlas's specific policies. If you owe money through Atlas, unlinking the account may prevent automatic payment collection, but it does not erase the debt. Contact Atlas support to understand whether you can unlink while a balance is outstanding, or whether you need to settle it first.
What if my bank account was linked to Atlas without my permission?
Unlink it immediately through your settings. If you did not authorize the link, change your Atlas password and review your account activity for unauthorized transactions. Report any fraudulent activity to Atlas support and your bank.
Does unlinking stop fraud protection on that account?
Unlinking removes Atlas's access to the account, so Atlas can no longer monitor or protect transactions through that connection. Your bank's own fraud protection remains in place for all transactions on that account, whether linked to Atlas or not.