What is Balance Shield?

Balance Shield puts your earnings in action. There are two components of Balance Shield: 

Alerts - Balance Shield alerts send an email and push notification to the community members when your bank balances fall below an amount that they set ($0-$400). This feature stays on indefinitely but can be disabled at any time. 

Automatic Transfers - Balance Shield transfers automatically transfers $100 of your earnings (plus an optional tip) if your bank balance falls below $100. Balance Shield transfers repeat automatically, but can be disabled at any time. 


How to Manage Balance Shield

To manage Balance Shield, go to the app home screen and tap Settings then Balance Shield. 

  • Balance Alerts - Use the toggle to turn alerts on or off. Use the slider to adjust the alert range from 0 to $400. 
  • Automatic transfers - Use the toggle to turn automatic transfers on or off. When turning automatic transfers on, you’ll be prompted to include an optional tip. Tips are repaid on the following debit date.


Balance Shield Transfer out is subject to community members' available earned wages, Daily Max, and Pay Period Max requirements. Actual Transfer out amount is dependent on community member’s available earnings and will not occur if they have reached their Pay Period Max. Community members are responsible for monitoring their Daily Max and Pay Period Max to ensure that the Transfer out application of Balance Shield is available to them. Other restrictions apply, see Earnin.com/tos for details. If you would like to learn more about how we collect and use this information, check out our Privacy Policy.



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