Frequently Asked Questions
General
General
- How to delete Earnin app
- My balance is updated so why don't you have my most recent bank transactions?
- I'm getting a CODE: 999 error. What do I do?
- I'm getting a CODE: 1003 error. Is the app currently down?
- Why is Earnin waiting for my bank to send updated transactions?
- Why do you need to see my bank transactions?
About
About Earnin
- ★ How does the app work?
- ★ Who can use Earnin?
- ★ Does Earnin charge fees or interest?
- ★ How does Earnin make money?
- Can you cash out for me?
- Is Earnin a payday loan app?
Tipping (Pay It Foward)
Privacy and Security
- What to do if my phone got lost or stolen
- How can I change the name on my account?
- Is there a quicker way to log in without using a password or fingerprint feature?
- Where are Earnin’s Terms of Service and Privacy Policy located?
- Does Earnin sell or share any of my data?
- Does Earnin need my social security number or check my credit?
Account Setup
Account Setup
- Why isn't my screenshot approved?
- I received Earnin's test transactions but my account is still not verified. What's going on?
- I never get the email with the verification code to create an Earnin account, what do I do?
- How to disable Pincode
- Why is the app saying there was a hiccup with my screenshot?
- Will Earnin work with my phone?
Bank Account
Payroll Setup
- I was previously hired by a staffing agency, but I am now a regular employee. Do I need to update my pay info?
- I have just finished linking my bank. Now what?
- How do I upload a pay stub?
- I received my first direct deposit in my new bank account, but the app says it's still verifying my employer and payroll info. Is there a way to speed this up?
- I don't have a pay stub. Is there another way for me to set up my account?
- What are the pay stub requirements to setup my payroll on the Earnin app?
Earnings
Earnings
- What are earnings and how are they calculated?
- Does a negative bank balance affect my earnings?
- How do I get earnings for Paid Time Off (PTO)/paid Leave of Absence(LOA)?
- What happen to my available earnings if I close the account?
- My debits posted but I am still unable to cash out
- Why are my earnings not updated?
Automagic Earnings
- How to update my work information on the App
- I work off-site/different address from my employer's main address, does Automagic Earnings still support me?
- I work at a new location. Why are my earnings not updating?
- I have a new phone. Do I have to create a new Earnin account?
- I don't have electronic timesheets. What else can I use to add my earnings?
- What are staffing agencies that can be enrolled to Automagic Earnings?
Payroll
Timesheets
- Can I manually update my earnings?
- I'm on vacation. How can I update my earnings?
- How long does it take to verify my uploaded timesheet and see earnings?
- I've already uploaded a screenshot of my timesheet but why didn't my earnings change?
- The app keeps asking for a screenshot of my timesheet
- Can't add my timesheet through the app. Are there other options to submit it?
Military
Cash Out and Pay Back
Credits
Recoveries
Restores (Paying Earnin Back)
- Why did my account get unauthorized debits?
- If I cash out before my payday, will I be debited on the coming payday or the next?
- Why is my next Cash Out date on my payday after next?
- Why do you need to see a screenshot of my current bank balance when updating my account?
- Why am I seeing a pending debit before my payday?
- What does Payroll Deduction in the transaction description mean?
Cashing Out
- ★ How much money can I cash out with Earnin?
- When will I receive my standard speed cash out in my timezone?
- The app says it sent me money, but it's not in my account. Where is it?
- The Cash Out I made still hasn't reflected in my bank account. Where's my money?
- Can I cash out if I have a negative bank balance?
- I don't have my debit card right now, can I still Cash Out?
Maxes
- Can my Pay Period Max be go back to where it was?
- Do tips affect my Max?
- My Max decreased to $100 because of a failed debit. Will it ever go back up again?
- Can I get a Daily Max of more than $100?
- Why did my Pay Period Max decrease to $100?
- Why didn't I receive an email notification for Max increase or decrease?
Toolkits
Tip Yourself
emptyBalance Shield Cash Outs
Lightning Speed
- I am having trouble linking my debit card for Lightning Speed. What should I do?
- How to update debit card info
- The Lightning Speed icon is not showing up in the app
- Is there a faster way for my debit card to be approved?
- Why can't I cash out immediately with Lightning Speed?
- I’m enrolled in Lightning Speed, made my first Cash Out but I still don’t see money. Is this normal?
Cash Back Rewards
- Why were my Cash Back Rewards removed?
- What should I expect with Cash Back Reward Offers?
- Does Cash Back Rewards include any gas stations?
- 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?
Max Boost
- Do my Boosts affect my Max?
- Why am I losing Boosts?
- How do I get more Boosts?
- How many Boosts do I have?
- I click the Boost link, but it takes me to the app store. What's going on?
- Why don't I see the Boost feature in the app?