Frequently Asked Questions
General
General
- What should I do if I can't log into the Earnin app and it is not due to failed log in attempts?
- I can't use my phone to access the Earnin app. Can I cash out online?
- Why does the app say I am using another early pay service?
- Why can't I access my Earnin account using a PC or laptop?
- How to troubleshoot Earnin app when it crashes for Android
- Does Earnin affect credit scores?
About
About Earnin
Tipping (Pay It Foward)
Privacy and Security
Account Setup
Account Setup
- Why is the app saying there was a hiccup with my screenshot?
- Will Earnin work with my phone?
- Why is my account on hold?
- Why does the app show my old phone number?
- How do I create an account and how long does it take to get started?
- Step-by-Step Account Setup
Bank Account
Payroll Setup
Earnings
Earnings
- Why are my earnings lowered/missing?
- How to check your available Earnings
- Why did my earnings decrease or reset on my payday?
- I can’t take my phone into work with me, what other options do I have?
- How are my hourly rate and payday determined?
- Why does the Earnin app say my hours are 'unavailable'?
Automagic Earnings
- What are the work/job types that are not supported by Automagic Earnings?
- Who can use Automagic Earnings?
- How are Automagic Earnings calculated?
- My GPS is on but I still don’t have earnings. What's going on?
- If I travel, will the Automagic Earnings feature still add my earnings?
- What are Automagic Earnings?
Timesheets
Cash Out and Pay Back
Restores (Paying Earnin Back)
- How do I Send Earnin a Money Order?
- Why does the app keep asking for a screenshot of the debits with the direct deposit every payday?
- How do I revoke bank authorizations from Earnin?
- Why was I debited before my payday?
- Can I reschedule my debit?
- Why are my debits to my credit union delayed?
Cashing Out
- What is the difference between ACH and Lighting Speed
- How to Cash Out
- What is the checklist for when you're ready to cash out?
- How can Holidays affect my pay date and my Cash Out?
- How do I view my Cash Out history?
- How long does it take to get my money?
Maxes
- Why did my Pay Period Max decrease to $100?
- Why didn't I receive an email notification for Max increase or decrease?
- How to check whether you've reached your Max
- Why does Earnin have Maxes?
- How do I increase my Pay Period Max?
- Why did my Max decrease?
Superpowers
Balance Shield Cash Outs
Lightning Speed
- Why can't I cash out immediately with Lightning Speed?
- I’m enrolled in Lighting Speed, made my first cash out but I still don’t see money. Is this normal?
- What is Lightning Speed and how can I get it?
- How long does it take to receive the cash I request with Lightning Speed?
- Which banks work with Lightning Speed?
Cash Back Rewards
- Why do some offers need to be “Activated”?
- Are my cards in the Earnin Cash Back Rewards program secure?
- What does running “debit as credit” mean?
- Why does Earnin need my card information?
- Why didn’t I get my cash back from an Earnin Cash Back Rewards Offer?
- Can I enroll in other cash back programs in addition to Earnin Cash Back Rewards?