Repayments
How does autopay for EarnIn Card work?
EarnIn Card balances are paid back automatically if you enroll in Autopay. Twice a month, on the 1st and 15th, EarnIn will transfer funds from the reserved account automatically.
If your card balance is higher than the amount of funds in your secured account, then the full amount that’s in your secured account will be used as payment.
The idea is you can set autopay, then forget it. We’ll take care of the logistics to make sure your balance is paid down on time.
How do I make a manual repayment?
- Tap Settings (three horizontal lines at bottom right corner of the screen)
- Tap on Manage Card in the settings menu
- Tap on Make a Payment
- Select a fixed amount or customize the amount to be paid
- In the Select account for payment section, select Reserved Account
- Tap Continue
- Enter the amount you wish to pay, up to the Card balance, or the reserved funds balance, whichever is less.
- Tap Continue.
- Review the payment details
- Tap on Confirm Payment.
Making Purchases
Why did the gas station charge me $100?
Gas stations might put a hold of $100 to ensure that you have enough funds on your account to pay for the actual spending.
The hold of $100 will remain until the transaction is settled, which may take a few days. If your available balance is not enough to cover the authorized hold amount, your card may be declined. Don’t worry, you can still use your EarnIn Card to prepay the gas amount at the register before pumping.
If this is not the case, please contact our support team through chat or by calling the contact number at the back of your card.
What should I choose when making purchases, credit or debit?
Choose “credit” when you’re making purchases. If you’re using an ATM, the card will be treated as a debit card, just enter your four-digit pin.
Can I get cash back or rewards when I use my card for purchases?
Not yet. However we're always looking for ways to make this possible, so please check back with us in the future.
Can I pay my bills using the EarnIn Card or Deposit Account?
You can make payments by entering your EarnIn Card information through your associated bill provider online. Currently, you can’t use your account and routing number for bill pay.
Can I use my EarnIn Card outside of the US?
You can use EarnIn Card outside of the U.S., but you won’t be able to access the app to review card activity and account information. You can call the phone number on the back of your card to connect with an EarnIn customer advocate.
ATM fees and access
Will I have access to ATMs? What is the fee?
Yes! You can get a cash advance at any ATM with a Visa logo using your ATM PIN.
While EarnIn does not charge a fee for cash advances or for using an ATM, please note third-parties may charge a fee for ATM use.
There’s no limit to the number of ATM cash advances you make in a day. However, the maximum amount that you can withdraw using your EarnIn Card is $300 per day.