What is the Paycheck Router?
Deposit Account community members can use the Paycheck Router to sign up for Early Pay. This feature delivers your paycheck (or deposit amount sent through EarnIn) up to 2 days early for a flat fee of $2.99.
You can also choose the Standard option that delivers your paycheck up to 1 business day after your payday for free.
If you have the EarnIn Card and wish to split your paycheck between EarnIn and another account, you can also choose to use Paycheck Router to move all or part of your paycheck to your existing linked bank account.
The auto-transfer amount will be limited by available funds in your paycheck after “Earnings Spent” deductions, tips and fees. Earnings Spent includes earnings transferred out to your linked bank account or spent via the EarnIn Card.
A verified debit card must be on file to auto-transfer funds up to 2 days early with Early Pay. See what happens on payday to learn more.
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 (or deposit amount sent through EarnIn) up to 2 days early for a flat fee of $2.99.
You can also choose the Standard option that delivers your paycheck up to 1 business day after your payday for free.
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 much of my paycheck should I deposit into EarnIn? Is there a minimum?
We suggest routing your entire direct deposit through your EarnIn Deposit Account.
There is no minimum deposit amount to use Paycheck Router. To be eligible for a Max increase, your direct deposit must be equivalent 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, 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 maximize your earnings.