Frequently Asked Questions
Basics
About Earnin
General
- My account is locked after failed log-in attempts
- What is the calendar in the app and the bill reminders?
- Can I still use my shared bank account that was already used by another person?
- Why do I see a message saying my bank account is already in use?
- How do I create an account and how long does it take to get started?
- Step-by-Step Account Setup
Thank You Gifts
Activehours <> Earnin Name Change
Bank Connection Issues
Cashing Out
Cashing Out your Earnings
Returning Money to Earnin
- Why are my debits to my credit union delayed?
- Why is my account on hold?
- My paycheck posts to my bank account late in the day. Can you take money out of my bank account the next day instead?
- My payday and debit date are not the same
- How does Earnin get back the money I cashed out?
- Why does the Earnin app say that you were unable to confirm that my last paycheck posted?
Superpowers
- I’m enrolled in Lighting Speed, made my first cash out but I still don’t see money. Is this normal?
- Why did the app send money to me when I didn't cash out?
- 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?
- Balance Shield alerts and Balance Shield Cashouts
Maxes
Getting Started
Setting up your Bank
- Can I use a prepaid card or a pay card?
- Why does the app need my bank account info? Is this safe?
- What if my bank is not on the list in the Earnin app?
- What should I do if I'm having trouble connecting my bank?
- How do I change my bank info?
- How does Earnin verify my bank account?
Setting up your Pay Schedule
- How are my hourly rate and payday determined?
- Why is my hourly rate in the app lower than my actual take-home hourly rate?
- What if I haven't received direct deposits in my bank account yet?
- I work for more than one company. Can I register multiple employers with Earnin?
- Can Earnin pay me for my earnings from commission or tips?
Adding your Earnings
- Why did my earnings decrease or reset on my payday?
- How are Automagic Earnings calculated?
- What are Timesheet Earnings?
- I can’t take my phone into work with me, what other options do I have?
- My GPS is on and I still don’t have earnings. What's going on?
- If I travel, will the Automagic Earnings feature still add my earnings?
Cash Back Rewards
General
- Why do some offers need to be “Activated”?
- How do I keep track of my Earnin Cash Back Rewards?
- Where do my Earnin Cash Back Rewards go when I redeem them?
- Is there a minimum Earnin Cash Back Rewards balance required to redeem my current balance?
- How do I redeem my Earnin Cash Back Rewards balance?
- What cards are eligible for Earnin Cash Back Rewards?