Atomic Raises $10 Million in Strategic Round from Capital One Ventures, Citi Ventures, and F.N.B. Corporation
Atomic, a leader in financial connectivity and bank account primacy solutions, has secured a $10 million strategic investment from Capital One Ventures, Citi Ventures, and F.N.B. (NYSE:FNB). The company, which currently serves 8 of the top 10 financial institutions, specializes in payroll connectivity, payment switching, bill management, and authentication solutions.
The funding will support Atomic's expansion and innovation across existing and new product lines. The company's technology helps financial institutions enhance consumer relationships, reduce acquisition costs, and increase lifetime value by becoming the primary financial hub for users. F.N.B. plans to integrate Atomic's solutions with its eStore platform to offer direct deposit and recurring transaction switching capabilities to customers in 2025.
Atomic, leader nelle soluzioni di connettività finanziaria e primazia dei conti bancari, ha ottenuto un investimento strategico di 10 milioni di dollari da Capital One Ventures, Citi Ventures e F.N.B. (NYSE:FNB). L'azienda, che attualmente serve 8 delle prime 10 istituzioni finanziarie, si specializza in connettività per stipendi, switching dei pagamenti, gestione delle fatture e soluzioni di autenticazione.
I fondi supporteranno l'espansione e l'innovazione di Atomic attraverso linee di prodotto esistenti e nuove. La tecnologia dell'azienda aiuta le istituzioni finanziarie a migliorare le relazioni con i consumatori, ridurre i costi di acquisizione e aumentare il valore nel tempo diventando il principale hub finanziario per gli utenti. F.N.B. prevede di integrare le soluzioni di Atomic con la sua piattaforma eStore per offrire ai clienti la possibilità di deposito diretto e switching delle transazioni ricorrenti nel 2025.
Atomic, líder en conectividad financiera y soluciones de primacía de cuentas bancarias, ha asegurado una inversión estratégica de 10 millones de dólares de Capital One Ventures, Citi Ventures y F.N.B. (NYSE:FNB). La empresa, que actualmente atiende a 8 de las 10 principales instituciones financieras, se especializa en conectividad de nómina, cambio de pagos, gestión de facturas y soluciones de autenticación.
La financiación apoyará la expansión e innovación de Atomic a través de líneas de productos existentes y nuevas. La tecnología de la empresa ayuda a las instituciones financieras a mejorar las relaciones con los consumidores, reducir los costos de adquisición y aumentar el valor a lo largo del tiempo al convertirse en el principal centro financiero para los usuarios. F.N.B. planea integrar las soluciones de Atomic con su plataforma eStore para ofrecer capacidades de depósito directo y cambio de transacciones recurrentes a los clientes en 2025.
Atomic은 금융 연결성과 은행 계좌 우선권 솔루션의 선두주자로서 Capital One Ventures, Citi Ventures 및 F.N.B. (NYSE:FNB)로부터 1천만 달러의 전략적 투자를 확보했습니다. 현재 상위 10개 금융 기관 중 8개에 서비스를 제공하는 이 회사는 급여 연결, 결제 전환, 청구 관리 및 인증 솔루션을 전문으로 합니다.
이번 자금 지원은 Atomic의 기존 및 새로운 제품 라인에서의 확장과 혁신을 지원할 것입니다. 이 회사의 기술은 금융 기관이 소비자 관계를 강화하고, 인수 비용을 줄이며, 사용자의 주요 금융 허브로 자리 잡음으로써 생애 가치를 높이는 데 도움을 줍니다. F.N.B.는 2025년에 고객에게 직접 입금 및 반복 거래 전환 기능을 제공하기 위해 Atomic의 솔루션을 eStore 플랫폼과 통합할 계획입니다.
Atomic, un leader dans la connectivité financière et les solutions de primauté des comptes bancaires, a sécurisé un investissement stratégique de 10 millions de dollars de la part de Capital One Ventures, Citi Ventures et F.N.B. (NYSE:FNB). L'entreprise, qui dessert actuellement 8 des 10 principales institutions financières, se spécialise dans la connectivité des paies, le changement de paiement, la gestion des factures et les solutions d'authentification.
Le financement soutiendra l'expansion et l'innovation d'Atomic à travers les lignes de produits existantes et nouvelles. La technologie de l'entreprise aide les institutions financières à améliorer les relations avec les consommateurs, à réduire les coûts d'acquisition et à augmenter la valeur à vie en devenant le principal hub financier pour les utilisateurs. F.N.B. prévoit d'intégrer les solutions d'Atomic avec sa plateforme eStore pour offrir aux clients des capacités de dépôt direct et de changement de transactions récurrentes en 2025.
Atomic, ein führendes Unternehmen im Bereich Finanzkonnektivität und Bankkontenprimatlösungen, hat eine strategische Investition von 10 Millionen Dollar von Capital One Ventures, Citi Ventures und F.N.B. (NYSE:FNB) gesichert. Das Unternehmen, das derzeit 8 der 10 größten Finanzinstitute bedient, ist auf Gehaltsabrechnungskonnektivität, Zahlungsumschaltung, Rechnungsmanagement und Authentifizierungslösungen spezialisiert.
Die Finanzierung wird Atomic bei der Expansion und Innovation in bestehenden und neuen Produktlinien unterstützen. Die Technologie des Unternehmens hilft Finanzinstituten, die Beziehungen zu Verbrauchern zu verbessern, Akquisitionskosten zu senken und den Lebenszeitwert zu steigern, indem sie zum primären Finanzhub für Nutzer werden. F.N.B. plant, die Lösungen von Atomic mit seiner eStore-Plattform zu integrieren, um den Kunden im Jahr 2025 die Möglichkeit zu bieten, Direktüberweisungen und wiederkehrende Transaktionsumschaltungen durchzuführen.
- Strategic $10M investment from major financial institutions validates Atomic's market position
- Established partnerships with 8 of top 10 financial institutions demonstrates strong market penetration
- Confirmed integration with FNB's eStore platform for 2025 shows concrete business expansion
- None.
Insights
F.N.B. 's strategic investment in Atomic represents a targeted move to enhance its digital banking capabilities rather than a material financial commitment. As part of the bank's omnichannel Clicks-to-Bricks strategy, this partnership aims specifically to integrate direct deposit switching and recurring transaction capabilities into FNB's proprietary eStore® platform by 2025.
The technology investment addresses a critical competitive necessity in banking today: driving account primacy. By leveraging Atomic's connectivity solutions that already serve 8 of the top 10 financial institutions, FNB positions itself to potentially lower customer acquisition costs and increase customer lifetime value by becoming users' primary financial hub.
What makes this meaningful is how it complements FNB's existing digital infrastructure. The bank has already established its eStore as an account selection and application platform, earning recognition as a technology leader. This Atomic integration represents logical next-step functionality that could strengthen customer relationships through enhanced direct deposit capture and payment switching capabilities.
While the
F.N.B.'s participation in Atomic's
The investment aligns with banking's evolution toward digital-first customer acquisition and retention. By integrating Atomic's account switching capabilities, FNB addresses a strategic priority: securing direct deposits, which represent the cornerstone of primary banking relationships. Banks with higher direct deposit penetration typically experience stronger deposit bases, reduced account churn, and improved cross-selling opportunities.
From a competitive perspective, this investment is more defensive than disruptive. With Atomic already serving most major financial institutions, FNB is essentially keeping pace with industry standards rather than gaining unique advantages. The projected 2025 implementation timeline also means any operational benefits remain distant.
For investors, this move signals appropriate technological prioritization by management but lacks immediate financial impact. The value proposition centers on incremental improvements to customer acquisition efficiency and relationship deepening—both crucial metrics for regional banks facing deposit competition from larger institutions with substantial technology budgets.

Atomic currently works with 8 of the top 10 financial institutions and many of the leading fintech firms to deliver solutions around payroll connectivity, payment switching, bill management, and authentication. These products help Atomic's clients to innovate and compete in an evolving financial landscape and deliver secure and seamless experiences to consumers. Funding will support Atomic’s growth across these solution areas and expansion into new products.
Focused on driving account primacy, Atomic builds solutions that help financial institutions deepen consumer relationships. F.N.B. Corporation—along with other financial institutions—sought tools to drive account primacy through direct deposit growth, savings, and engagement, leading them to work with Atomic. By leveraging Atomic’s technology, financial institutions can lower acquisition costs, increase lifetime value, and become the primary financial hub for their users.
“We’re excited to have these industry leaders join us on our mission to champion upward financial mobility,” said Jordan Wright, Co-founder and CEO of Atomic. “Together, we’re building the infrastructure that will drive the next generation of financial products and unlock deposit growth, as well as improved experiences for our customers and the customers that work with them.”
Investors' Perspectives
“We invested in Atomic to support a stellar management team and an innovative service that facilitates financial connectivity for consumers,” said Nathan Krishamurthy, Managing Vice President, Capital One Ventures.
Capital One Ventures is a strategic investor, harnessing the potential of startups to accelerate innovation. It invests in pioneering companies that are transforming the future of data, technology, and financial services and relate to the business of Capital One.
“We’re excited to invest in Atomic, a company that is redefining financial connectivity and account primacy solutions,” said Jeff Flynn, Director at Citi Ventures. “We believe Atomic’s technology has the potential to create more seamless, secure, and accessible financial experiences.”
Citi Ventures targets early- to growth-stage companies that are driving transformative solutions in areas like fintech, enterprise SaaS, data analytics, and digital security. They prioritize startups like Atomic that can help catalyze innovation at Citi and across the financial services ecosystem.
“Through our omnichannel Clicks-to-Bricks strategy and eStore, FNB is driven to remain a banking industry leader in client engagement and innovation. We will continue to invest in and develop creative technology solutions that bring the full array of banking products and services to our digital platform and branch system,” said Vincent J. Delie, Jr., Chairman, President and Chief Executive Officer of F.N.B. Corporation and its banking subsidiary, First National Bank. “Our investment in Atomic is another investment in the future of banking. By integrating their solutions with eStore, we can offer our customers more personalized, real-time financial services that meet their needs in today's fast-paced world.”
FNB, which has earned a reputation as a technology leader through its proprietary eStore® account selection and application platform, is working with Atomic to bring direct deposit and recurring transaction switching capabilities to its customers in 2025.
About Atomic
Atomic is the market leader in growing bank account primacy and enabling financial connectivity that drives action. They are trusted by over 195 financial institutions and fintech firms, including 13 of the industry's largest digital-first neobanks and 8 of the top 10 financial institutions. Atomic serves as the essential bridge between consumer data and financial solutions by allowing unparalleled access to payroll, HRIS systems, and merchants, facilitating a range of financial services including direct deposit switching, income and employment verification, payment method updating, and subscription management. For more information, visit https://atomic.financial.
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Press Contact:
Atomic
Emily Flinders
VP of Markets
press@atomicfi.com
Source: Atomic