The quick version:
It's complicated but it has to do with how quickly banks send us your transaction info. It should resolve itself by the end of the day. If you're in a rush, send us a screenshot of your direct deposit and we'll fix you up!
The full story:
If you're getting a notification that says Earnin is unable to confirm that your paycheck posted, you're probably thinking, "Are you serious? You guys already debited my account. You obviously know I got paid!"
The truth is, we don't.
We automatically set up our system to debit your account on your usual payday. Just because we debited, doesn't mean you got your paycheck. It just means that there was enough money in your account for the debits to go through. In order to give you more money this week, we need to verify, not only that you paid us, but that you're still employed. Debiting your account only clears up that first one. Seeing your actual paycheck in your account is how we verify that second part.
So, now, you're thinking, "But why can't you see my paycheck. I can see my paycheck. It's in there, I swear."
Sigh. Yea. We have to wait for your bank has to send us your transactions. And your bank doesn't do that until later in the day.
We hate this. Like, fists of fury, screaming into our pillows hate.
But we can't change this without your help. Banks need to know that you want them to send us your info faster. So, if you enjoy expressing yourself on social media, please, tell your bank this or something like it:
- Please send transaction info in real time to @earnin. They're trying to help me save money!
In the meantime, your bank should send us your info by the end of the day and then you'll be set to cash out again.
If you need money immediately, use the help button in the app to send us a screenshot of your paycheck direct deposit transaction when it hits your bank account. Be sure to include your account number in the image. That way, we can manually confirm your last paycheck for you.