What is the Paycheck Router?
Paycheck Router is a feature of the Deposit Account that allows you to sign up for Early Pay, and get your paycheck up to 2 days early for a flat fee of $2.99 per paycheck. This is a third-party fee charged by our banking partner. The exact timing for delivery of your paycheck depends on when your employer processes payroll. A verified debit card is required to auto-transfer funds up to 2 days early with Early Pay. See what happens on payday to learn more.
If you choose the Standard option, instead of Early Pay, your paycheck will be transferred to your linked bank account for free, on your employer’s scheduled payday.
If you have the EarnIn Card, you can use the Paycheck Router to split your paycheck between your EarnIn Card and another linked bank account. Auto-transfer amounts to your linked bank account will depend on available funds after deductions for Earnings Spent, voluntary tips, and Lightning Speed fees. Earnings Spent includes earnings transferred or spent through the EarnIn Card as well as any transfers requested during the pay period.
How do I manage my Paycheck Router settings?
Deposit Account and EarnIn Card customers can access Paycheck Router options in the app settings menu (☰).
For EarnIn Card holders, you can choose to use Paycheck Router to move all or part of your paycheck to your existing linked bank account on payday, or up to 2 days early if you choose Early Pay. Enter the amount you want to auto-transfer to your external bank account.
You can change your transfer speed in the Paycheck Router settings. Go to Settings > Paycheck Router, then select “Change Speed.”
EarnIn Card holders can also update the auto-transfer amount that will be sent to their linked bank account in the Paycheck Router settings.
Most Paycheck Router changes should be effective on your next paycheck.
How can I manage my direct deposit with Paycheck Router and increase my Pay Period Max eligibility?
We suggest routing your entire direct deposit through your Deposit Account. There is no minimum deposit amount to use Paycheck Router.
If you are a Cash Out customer, to be eligible for a Pay Period Max increase, your direct deposit must be equivalent to at least $1,000 per month. For example, if you are paid weekly, your direct deposit must be at least $250. If you are paid biweekly, it must be at least $500.
If you are an EarnIn Card holder and would like to send a set amount to your linked bank account to cover expenses, you can do so by using the Paycheck Router feature. The rest of your paycheck will be available via the EarnIn app to transfer to your linked bank account or to use via the EarnIn Card.