Earnin lets you transfer out your paycheck instantly. If you choose to use Lightning Speed, the transfer will post to your account within minutes*, even on weekends and holidays.
Otherwise, your money will arrive in your bank account within 1-2 business days depending on the time and day that your transfer out was made. Review the list below to understand when you'll receive your money based on your transfer time.
Transfer out time: Before 9:30 am PT - Receive money: Same day, evening
- 7:30 am Hawaii Standard Time
- 8:30 am Alaska Standard Time
- 10:30 am Mountain Time
- 11:30 am Central Time
- 12:30 pm Eastern Time
Transfer out time: 9:30am - 5:15pm PT - Receive money: Next business day, morning
- 7:30am - 6:00pm Hawaii Standard Time
- 8:30am - 7:00pm Alaska Standard Time
- 10:30am - 9:00pm Mountain Time
- 11:30am - 10:00pm Central Time
- 12:30pm - 11:00pm Eastern Time
Transfer out time: After 5:15pm PT - Receive money: Next business day, evening
- 6:00pm Hawaii Standard Time
- 7:00pm Alaska Standard Time
- 9:00pm Mountain Time
- 10:00pm Central Time
- 11:00pm Eastern Time
- Transfer out: Any time
- Receive money: Next business day, evening
* Fees may apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Some transactions may take up to 30 minutes depending on the card and network status. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.