FAQ - Deposit Account

 What are the perks of a Deposit Account?

Deposit Account community members enjoy an upgraded experience, this includes: 

  • A higher Pay Period Max (up to $1000).*
  • You can access your paycheck up to two days early.


My employer issued me paper checks while I transitioned my direct deposit to my Deposit Account. How will this affect my account?

Some employers will issue their employees paper checks during the transition period when their direct deposit is being rerouted to their Deposit Account. 

If you receive an overdraft fee as a result of EarnIn debiting your bank account or a pay period Max decrease, please reach out to our community advocates via our live 24/7 support so we can review your EarnIn account. 

Additionally, you may want to confirm with your employer that there are no issues with your next paycheck and that it will be deposited into your Deposit Account. 


Are there any fees to use Deposit Account?

No. EarnIn will not charge a fee for routing a portion or all of your direct deposit through your Deposit Account.


Can I make the EarnIn bank account my new checking account?

No. Your Deposit Account through EarnIn is not a checking account. Your Deposit Account will not allow any third-party debits and any attempts will be blocked. 

Deposit Account requires that you create a virtual account with EarnIn through our bank partner Evolve Bank & Trust, as well as maintain a checking account with your EarnIn-linked bank.


Will upgrading to Deposit Account affect my credit score?


Opening and using a Deposit Account with EarnIn will not impact your credit score. There is no credit check and we do not report your information to the credit bureaus. EarnIn is required to collect your SSN while opening a Deposit Account to comply with federal regulations.


I accidentally entered wrong info. How do I change it?

When signing up for Deposit Account, you’ll have the option to re-enter information if you entered something incorrectly.

After three entries with incorrect information, you won’t be able to retry.  

Contact us via in-app chat if your info doesn’t look correct. 


Why wasn’t I approved for a Deposit Account?

EarnIn needs to verify your identity to upgrade you to Deposit Account. If you weren’t approved, it’s likely we weren’t able to verify your identity based on the information you provided. 

Federal law requires us to obtain, verify and record information for community members who open a Deposit Account.

Some common failure reasons are:

  • Address isn’t a permanent residential address or is missing info (eg. unit number)
  • Last name recently changed
  • There was a typo in your SSN or date of birth

If your identifying information is correct, confirm that your account information is entered correctly. Make sure to only use digits without any spaces or characters.


Why do you need my personal information, e.g. Social Security Number?

In order to complete your upgrade to Deposit Account, federal regulation requires that we collect your full, nine-digit Social Security number and other personal info to verify your identity. This will not impact your credit score in any way. 

For more info on how we protect your info, please refer to our Terms of Service and Privacy Policy.


Can I deposit checks to my Deposit Account?

Not yet, but we're looking to make this possible in the future.


Can I still transfer funds out of EarnIn if I set up direct deposit into EarnIn?

Yes, you can still transfer earnings or cash from your EarnIn Deposit Account to your linked bank account. The daily earnings transfer out limit is $100 with your Deposit Account.

When you transfer out, your “Available” amount will decrease respectively. You can use Lightning Speed* to receive your funds in minutes. Or transfer for free via ACH.


Can I stop sending my paycheck direct deposit to EarnIn?

You have full control over where you deposit your paycheck. 

If you no longer wish to direct deposit your paycheck with EarnIn, please contact support


How much does my direct deposit need to be for my Max to increase?

To receive a Max increase, your direct deposit must amount to at least $1000 per month. 

For example, if you are paid weekly, your direct deposit must be at least $250. If you are paid biweekly or semi-monthly - $500.

The more of your paycheck you deposit with EarnIn, the higher your pay period Max will be (up to $1000).


What happens if my paycheck isn’t enough to cover my transfers and tips?

If there isn't enough money coming into your Deposit Account to cover all debits we will then switch those debits over to your linked bank account to post via same-day ACH on your expected payday.


Who is EarnIn’s bank partner?

EarnIn is a financial technology company, not a bank. Deposit Account is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered banking institution. Evolve Bank & Trust is a member of the FDIC, and all funds associated with your deposit account are held by Evolve Bank & Trust.

Deposit Accounts are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. For more information on FDIC insurance coverage, please visit FDIC.gov. You may access the terms of the custodial account deposit agreement at any time here.

To learn more about Evolve Bank & Trust, you can access its Privacy Policy.


Where can I find my Deposit Account statements?

You may access your card statements under Settings > Statements > Deposit Account.


How do I unenroll from a Deposit Account

Please reach out to customer support to unenroll from your Deposit Account. Currently, it’s not possible to manually unenroll without contacting support

It’s important to contact support to prevent any interruption with your financial routine.

Our team will provide instructions on how to redirect your direct deposit to a bank account of your choice and coordinate the process.


* Max is subject to other factors. Minimum $1000 per month direct deposit required.

Fees and restrictions apply to use Lightning Speed . Lightning Speed may not be available at all times. See EarnIn Cash Out User Agreement. Expedited Transfer fee paid up front where applicable - see Evolve Deposit Account Agreement.

Subject to your available earnings, Daily Max and Pay Period Max. EarnIn services may not be available in all states. Restrictions and/or third party fees may apply, for more information please review our Terms of Service available at EarnIn.com/TOS