Frequently Asked Questions
Basics
About Earnin
General
- What is the calendar in the app?
- 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
- Can I use the app to get social security or government benefits?
Thank You Gifts
Activehours <> Earnin Name Change
Bank Connection Issues
Getting Started
Setting up your Bank
- 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? Can I use a prepaid card?
- What should I do if I'm having trouble connecting my bank?
- How do I change my bank info?
- How does the app verify my bank account?
- Why do I see these small transactions in 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
- 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?
- How do I add earnings to my account?
- What is a timesheet?
- How do I upload my timesheet to Earnin, and what are the requirements?
Cashing Out
Cashing Out your Earnings
Returning Money to Earnin
- Why is my account is 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 is incorrect, what do I do?
- 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 automatic cashouts.
Maxes
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?