Why is my hourly rate in the app lower than my actual take-home hourly rate?

The hourly rate Earnin calculates for you may be lower than expected because it's based on the amount of your direct deposit and hours worked.

Your hourly rate may seem low because of these two factors:

  1. You work part-time
  2. You split your paycheck between two bank accounts

If you work part-time, just send us a recent pay stub so we can update your hourly rate. But if you split your paycheck, we can only increase your hourly rate once you combine your pay into the bank account you’ve linked in the app. The minimum hourly rate must be at least $4 for you to use the app.

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