How does Earnin verify my bank account?

We verify your bank account by sending test transactions under $1. This helps us confirm that they posted to the correct account and also allows us to verify if we can send money to your bank and debit it back successfully.

If you see these test transactions but the app shows we’re still verifying your bank, please contact our support team in the app.

In case your bank account has a negative or low balance, we’ll pause the transactions to avoid any overdraft fees. Once our system detects a positive balance, we’ll send out the transactions to complete the verification process.

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