What happens on payday if I move my direct deposit to EarnIn?

Once your direct deposit has been switched to EarnIn, here’s what happens on payday:

  1. Your paycheck direct deposits with EarnIn (up to 2 days before payday).
  2. EarnIn will set aside funds to cover 'Earnings Spent' in the previous pay period, including any tips, Lightning Speed fees, and earnings transferred out to your linked bank account.
  3. Any remaining funds will be sent to your linked bank account.

If you also have an EarnIn Card, here’s what happens on payday: 

  1. Your paycheck direct deposits with EarnIn (up to 2 days before payday). 
  2. EarnIn will set aside funds to cover 'Earnings Spent' in the previous pay period, including any tips and Lightning Speed fees. Earnings Spent includes earnings transferred out to your linked bank account or spent via the EarnIn Card.
  3. If you use the Paycheck Router, the auto-transfer amount will be sent to your linked bank. The auto-transfer amount is capped by the available funds in your paycheck after Earnings Spent is deducted.
  4. Remaining funds are cash, which is available to spend via the EarnIn Card. It can also be transferred out to your linked bank.

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