Why does the app need my bank account info? Is this safe?

We know that it can be a little scary to share your bank information into any app. And, that's why we use the latest encryption technology to keep your info safe.

We ask our community members to send screenshots of banking info for the following reasons:

  • to verify that the correct checking account is linked to the app
  • to ensure that our credit and debit transactions are sent to the correct bank account
  • to confirm that the community member reaching out is the owner of the Earnin account
  • to validate ownership of joint bank accounts

Linking your bank allows us to:

  1. Deposit money directly into your account
  2. Verify your employment through your history of direct deposits
  3. Confirm your payday, so we know when to take the money back from your account
  4. Set your hourly rate, so we can calculate your earnings each day

We will never debit you more than you have cashed out (plus tips, if any).  

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