The steps to unlink your bank account from Atlas
To unlink your bank account from Atlas, log into your Atlas account online, go to the settings or account management section, find the connected bank accounts list, and select the account you want to remove. Atlas will show you a delete or unlink option — click it, and the connection ends. The process takes less than a minute and does not affect your bank account itself, only the link between Atlas and your bank.
Before you unlink, check whether you have any pending transfers, scheduled payments, or active features tied to that account. If you do, complete or cancel those first. Some features may stop working once the account is disconnected, so Atlas usually shows you a warning listing what will be affected.
After you unlink, your bank account remains open and untouched. Atlas straightforward loses permission to see the account or move money from it. If you want to reconnect the same account later, you can add it again through the same settings menu — you will need to re-authenticate with your bank.
Key Takeaways
- Unlinking happens in your Atlas account settings under connected bank accounts, and takes under a minute.
- Cancel any pending transfers or scheduled payments before you unlink, or they may fail.
- Your bank account itself is not closed or changed when you unlink — only the connection to Atlas ends.
- You can reconnect the same account later if you change your mind, but you will need to authenticate with your bank again.
- If you have multiple accounts linked, unlinking one does not affect the others.
What happens to pending transfers when you unlink
If you unlink an account while a transfer is in progress, the outcome depends on how far the transfer has gone. Transfers that have already left your Atlas account and reached your bank will complete normally — unlinking does not stop money that is already moving. Transfers that are still queued in Atlas but have not yet been sent to your bank may be cancelled automatically when you unlink.
To avoid confusion, check your pending transfers before you unlink. If you see a transfer scheduled for the next few days, either wait for it to complete or cancel it yourself first. This way you know exactly what is happening with your money and do not have to wonder whether Atlas sent it or not.
Reconnecting the same bank account later
If you unlink an account and then want to reconnect it, you can add it back through the same settings menu. Atlas will ask you to authenticate with your bank again — you will log into your bank's website or app through Atlas's find connection, just as you did the first time. This re-authentication is required even if you are adding back an account you previously linked.
The reconnection process usually takes a few minutes. Once it is complete, your account will show up in your connected accounts list again, and you can use it for transfers and other features. Your transaction history with that account may or may not be visible depending on how Atlas stores historical data — if you need that information, contact Atlas support before you unlink.
Why you might unlink an account
People unlink accounts for different reasons. You might be closing a bank account and want to remove it from Atlas before the account shuts down. You might be switching to a different bank and want to link the new account instead. You might be concerned about security and want to reduce the number of services that have access to your banking information. You might straightforward no longer use Atlas and want to disconnect all your accounts.
Whatever your reason, unlinking is straightforward and reversible. There is no penalty for unlinking, and it does not affect your relationship with your bank or with Atlas.
What to do if the unlink button does not appear
If you cannot find the unlink option in your settings, the account may be locked because a transfer is actively processing or because there is a pending dispute or hold on the account. Wait a few hours or a day for the transfer to complete, then try again. If the button still does not appear, contact Atlas support — they can tell you what is preventing the unlink and help you resolve it.
In rare cases, an account may be flagged for security reasons and temporarily locked from changes. Atlas support can unlock it or explain what you need to do to proceed. Do not try to work around the lock by creating a new Atlas account or linking a different account — that can create more problems. Reach out to support directly instead.
Unlinking versus closing your Atlas account
Unlinking a bank account is different from closing your Atlas account. When you unlink, you keep your Atlas account open but remove one or more bank accounts from it. When you close your Atlas account, you shut down the entire account with Atlas, which automatically disconnects all linked bank accounts.
If you only want to stop using one bank account with Atlas, unlink it. If you want to stop using Atlas altogether, close your account. Make sure any pending transfers are complete before you do either, and keep records of any transactions you may need later.
Frequently Asked Questions
Does unlinking my bank account close the account at my bank?
No. Unlinking only removes the connection between Atlas and your bank account. Your bank account stays open and active. You can still use it normally through your bank's website or app, and you can link it to other services if you want.
Can I unlink an account if I have a pending transfer?
You can try, but it is safer to wait. Transfers already sent to your bank will complete, but transfers still queued in Atlas may be cancelled. Check your pending transfers first, and either wait for them to finish or cancel them yourself before you unlink.
Will unlinking affect my other linked accounts?
No. Each account is separate. Unlinking one account does not change or affect any other accounts you have linked to Atlas. You can unlink one and keep the others connected.
How long does it take to unlink an account?
The unlink itself is when ready — once you click the button and confirm, the connection ends when ready. You should see the account disappear from your connected accounts list within seconds.
What if I accidentally unlinked the wrong account?
You can reconnect it right away by going back to the settings menu and adding the account again. You will need to authenticate with your bank, but the process is the same as linking any account. There is no waiting period or penalty for relinking.