What is the Paycheck Router?
Deposit Account community members can use the Paycheck Router to sign up for Early Pay, which delivers your paycheck up to 2 days early for a flat fee of $2.99 per paycheck. This is a third-party fee charged by Evolve Bank & Trust. 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, tips, and fees. Earnings Spent includes funds transferred or spent through the EarnIn Card.
What does paycheck transfer speed mean?
Community members with a Deposit Account or EarnIn Card can use the Paycheck Router to sign up for Early Pay. This feature delivers your paycheck up to 2 days early for a flat fee of $2.99 per paycheck. This is a third-party fee charged by Evolve Bank & Trust, Member FDIC. The exact timing depends on when your employer processes payroll, which can be up to 2 days before payday.
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.
How do I manage my Paycheck Router settings?
Deposit Account and EarnIn Card community members 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 EarnIn Deposit Account.
There is no minimum deposit amount to use Paycheck Router. To qualify for a Pay Period Max increase, your direct deposits must be at least $250 if you get paid weekly, $500 if you get paid biweekly or semi-monthly, or $1000 if you get paid monthly.
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 maximize your earnings.