Tap your phone to check out.
Quick, simple, secure. Mobile pay lets you make purchases without opening your wallet — or even an app. Pay with your iPhone®, Google Pixel™, or Samsung Galaxy®.
- Make payments in seconds
- Protect payment information
- Store all your cards in one place
- Add debit and credit cards
Make quick payments confidently.
Keep your identity, card number, PIN, and purchases private. The fraud protection on your Atlantic debit card carries over to mobile pay. If your phone is lost or stolen, you can lock or erase your device remotely.
A smarter kind
of screen time.
- Turn your debit card on or off.
- Track your transaction history.
- Make loan payments in seconds.
- See up-to-date account balances.
- Transfer funds between accounts.
Got a question?
Find answers to frequently asked questions about mobile pay.
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How do I set up Apple Pay®?
- To add an Atlantic debit card, enter your card information into Wallet, a native app found on your home screen.
- If your Atlantic debit card is already connected to your iTunes® account, just enter the security code when you enroll in Apple Pay.
How do I use Apple Pay?
- Look for the Pay Wave® or Apple Pay symbol at checkout and hold your phone near the contactless reader.
- Place your finger on the Touch ID; or, you may need to enter a passcode and sign a receipt.
- Keep your phone by the reader until it vibrates and beeps, indicating that your payment was accepted.
What should I do if I have an issue adding a credit or debit card to Apple Pay?
Atlantic is ready to help you with issues when adding credit or debit cards to your eligible Apple device. You can contact Atlantic, 1-800-834-0432, or AppleCare, who will help you resolve your issue.
How do I return an item that I bought using Apple Pay in a store?
The cashier can use the Device Account Number to find the purchase and process the return, just like they would with a traditional credit or debit card payment.
To see the last four or five digits of the Device Account Number for your iPhone, go to Passbook, tap the card, and tap info.
For your Apple Watch, open the Apple Watch app on iPhone, tap My Watch > Passbook & Apple Pay. Tap your card to select it and see the Device Account Number.
Apple Pay activity is also included on your credit and debit card statements.
If the cashier needs your card details to process the return, you can follow the same steps for making a payment:
- On the device that you used to make the original payment, select the card that you want to be refunded.
- On your iPhone, hold the device near the reader and authorize the return with Touch ID or passcode; on your Apple Watch, double-click the side button and hold the face of your Apple Watch a few centimeters from the contactless reader.
Depending on the return and refund policies of the store, it may take up to several days for the return transaction to appear on your credit or debit card statement.
Can I still use my plastic credit or debit cards if I suspend or remove my cards in Apple Pay?
Yes! When you suspend or remove your cards in Wallet, your Device Account Number is suspended or removed. You can continue to use your plastic credit or debit card.
How do I set up Google Pay™?
- Look for the app on your phone. Google Pay comes preloaded on several devices. If your phone doesn’t have the app, download it from Google Play.
- Add a credit or debit card. If you already have a card in your Google account you can add it to Google Pay by confirming a few details, or you can add a new card by simply snapping a picture.
- Start tapping. Unlock your phone and tap to use Google Pay at any of the over one million store locations throughout the US that accept contactless payments.
How do I use Google Pay?
- Locate a store that accepts NFC (or tap-to-pay) payments, as well as select Google apps.
- On Google devices running Kit Kat (4.0) and above, simply unlock your phone.
- Place your phone near the contactless terminal.
- Your phone will beep or vibrate, and you’ll receive a confirmation on-screen letting you know the payment was made.
How do I set up Samsung Pay®?
- Find the app pre-installed on your phone or download it off Google Play. Then, sign into your Samsung account.
- Scan your fingerprint and enter a pin, so you can authenticate future purchases.
- Snap a picture of your card and provide your signature where necessary.
- Go shopping and see how easy it is to check out.
How do I use Samsung Pay?
- Samsung Pay is accepted virtually anywhere you can swipe or tap your card.
- Open Samsung Pay from the Home screen, Apps menu, or Lock screen.
- Swipe to the desired card.
- To verify your identity, place your finger on the Home button. To use your Samsung Pay PIN, touch PIN. Then enter your four-digit PIN.
- To make the payment, place the back of your device on the card or NFC reader on the payment terminal.
- If necessary, complete the transaction on the payment terminal. For example, if you are using a debit card, you are still required to enter your PIN. Some merchants/terminals may prompt you to verify the total charges are correct, while others may require a signature.
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1Wireless carrier data rates may apply.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Better than a Lease
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 6.74% | $30.85 |
| 48 Months | As low as 6.99% | $24.02 |
| 60 Months | As low as 7.24% | $19.98 |
| 72 Months | As low as 7.74% | $17.47 |
Credit Builder
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 12 Months | As low as 10.00% | $88.28 |
*As low as rate includes maximum term of 12 months. Loan is subject to approval. Payment per $1,000 borrowed for 12 months at 10.00% APR equals $88.28. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Deposit Accounts
| Account Type | Minimum Required Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| Member Savings | $25 | 0.05% | 0.05% |
| Clubs | No Min. Balance | 0.05% | 0.05% |
| Business Savings | $25 | 0.05% | 0.05% |
Equipment Loan
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 7.74% | $31.32 |
| 48 Months | As low as 7.99% | $24.49 |
| 60 Months | As low as 8.24% | $20.47 |
| 72 Months | As low as 8.74% | $17.97 |
| 84 Months | As low as 9.49% | $16.41 |
**As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The equipment must be a 2021 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 7.74% APR, equals $31.32. Rates subject to change without notice. Membership or eligibility to join Atlantic is required.
Health Savings Account (HSA)
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $999 | 0.05% | 0.05% |
| $1,000 - $4,999 | 0.25% | 0.25% |
| $5,000+ | 0.30% | 0.30% |
Home Improvement
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 9.75% | $32.29 |
| 48 Months | As low as 11.75% | $26.34 |
| 60 Months | As low as 12.75% | $22.75 |
*As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. Verification of home ownership required. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 9.75% APR equals $32.29. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Individual Retirement Accounts (IRAs)
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $4,999 | 0.05% | 0.05% |
| $5,000 - $9,999 | 0.25% | 0.25% |
| $10,000 - $49,999 | 0.30% | 0.30% |
| $50,000 - $99,999 | 0.40% | 0.40% |
| $100,000+ | 0.50% | 0.50% |
Kasasa Cash*
| Standard Rewards Balance | Minimum Required Opening Deposit | Rate | APY |
|---|---|---|---|
| $0 - $15,000 | $0 | 2.96% | 3.00% |
| $15,000+ | $0 | 0.25% | 3.00% to 0.61% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
| Premier Rewards Balance | Minimum Required Opening Deposit | Rate | APY |
|---|---|---|---|
| $0 - $15,000 | $0 | 4.89% | 5.00% |
| $15,000+ | $0 | 0.25% | 5.00% to 0.87% |
| All balances if qualifications not met | $0 | 0.05% | 0.05% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- At least 12 debit card purchases to earn the standard 3% APY rate, OR at least 30 debit card purchases to earn the premium 5% APY rate
- At least 1 ACH direct deposit, ACH automatic withdrawal, or Bill Pay payment
- Be enrolled in and agree to receive eStatements
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month. No minimum balance requirement
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| $0 - $1,000,000 | 3.93% | 4.00% |
| $1,000,000 + | 0.25% | 4.00% to 3.66% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:
- Have at least one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa Account
- Have at least 12 debit card purchases post and settle
- Be enrolled in and agree to receive eStatements
It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify. No minimum balance requirements.
Large Recreational Vehicles (Boats, Campers, Motor Homes)
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 120 Months | As low as 8.24%** | $12.31 |
| 180 Months | As low as 8.49%** | $9.88 |
| 240 Months | As low as 8.74%** | $8.87 |
*Large Recreational as low as rate includes direct deposit discount of 0.25%, AND 0.50% discount for down payment of 20% of the purchase price or book value, whichever is lower. 100% financing is available at other rates and terms. The vehicle must be a 2021 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 120 months at 8.24% APR equals $12.31. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Money Market
| Balance | Dividend Rate | APY |
|---|---|---|
| $1,000 - $4,999 (Savings) | 0.50% | 0.50% |
| $2,500 - $4,999 (Checking) | 0.50% | 0.50% |
| $5,000 - $9,999 | 0.99% | 1.00% |
| $10,000 - $49,999 | 1.49% | 1.50% |
| $50,000 - $99,999 | 1.98% | 2.00% |
| $100,000 - $249,999 | 2.47% | 2.50% |
| $250,000 - $499,999 | 3.93% | 4.00% |
| $500,000 - $749,999 | 3.93% | 4.00% |
| $750,000 - $999,999 | 3.93% | 4.00% |
| $1,000,000 + | 3.93% | 4.00% |
New/Used Automobiles & Harley Motorcycle Rates
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 5.24% | $30.15 |
| 48 Months | As low as 5.49% | $23.31 |
| 60 Months | As low as 5.74% | $19.27 |
| 72 Months | As low as 6.24% | $16.74 |
| 84 Months | As low as 6.99% | $15.14 |
*As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The vehicle must be a 2021 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 5.24% APR equals $30.15. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Personal Line of Credit
| APR* | Payment per $1,000** |
|---|---|
| As low as 13.75% | $50 or 3.5% of outstanding balance |
*As low as rate includes direct deposit discount of 0.25%. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment of $50 or 3.5% of the outstanding balance. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Personal Loan
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 12 Months | As low as 10.75% | $88.65 |
| 36 Months | As low as 12.75% | $33.75 |
| 60 Months | As low as 13.75% | $23.27 |
Premium Business Checking
| Balance | Dividend Rate | APY |
|---|---|---|
| Up to $24,999.99 | 0.10% | 0.10% |
| $25,000 - $49,999.99 | 0.20% | 0.20% |
| $50,000 - $99,999.99 | 0.30% | 0.30% |
| $100,000 and over | 0.50% | 0.50% |
Recreational Vehicles & Street Motorcycles
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 6.24% | $30.61 |
| 48 Months | As low as 6.49% | $23.67 |
| 60 Months | As low as 6.74% | $19.74 |
| 72 Months | As low as 7.24% | $17.22 |
| 84 Months | As low as 7.99% | $15.64 |
*As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The recreational vehicle must be a 2021 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 6.24% APR, equals $30.61. Rates subject to change without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Share Certificates
| Type | Minimum Required Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 3 Mo. Share Certificate | $100 | 1.98% | 2.00% |
| 6 Mo. Share or IRA Certificate | $500 | 3.93% | 4.00% |
| 1 Year Share or IRA Certificate | $500 | 4.27% | 4.35% |
| 18 Mo. Rippling Waves Share or IRA Certificate - allows add'l ($500 minimum) deposits | $500 | 2.96% | 3.00% |
| 2 Yrs. Share or IRA Certificate | $500 | 3.15% | 3.20% |
| 30 Mo. Share or IRA Certificate | $500 | 3.15% | 3.20% |
| 3 Yrs. Share or IRA Certificate | $500 | 3.25% | 3.30% |
| 4 Yrs. Share or IRA Certificate | $500 | 3.35% | 3.40% |
| 5 Yrs. Step-Up Share or IRA Certificate - allows 1-time rate increase | $500 | 3.45% | 3.50% |
Use our Share Certificate Calculator to determine your potential earnings.
Share Secured
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 3.05% | $29.15 |
| 48 Months | As low as 3.05% | $22.18 |
| 60 Months | As low as 3.05% | $18.02 |
*As low as rate includes maximum term of 36 months. Rate calculated at 3% above the rate of return on securing funds. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 3.05% APR equals $29.15. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Visa Credit Cards
| Card | Introductory Rate | APR* |
|---|---|---|
| Visa Platinum | 2.49% APR* for 12 Billing Cycles | Non-Variable As low as 11.49% |
| Visa Signature® | 2.49% APR* for 12 Billing Cycles | Variable As low as 15.50% |
| Visa Secured | None | Non-Variable As low as 17.99% |