All new customers start with a $100 Max each pay period. Ongoing, your pay period Max can range from $50-$500 based on your use of the app, your spending, your bank, and whether or not your employer works with us directly.
If you’re doing well in each of the categories below, just keep using the app. You’re likely to see a Max increase soon. We evaluate maxes around each pay cycle, so you may see an increase as soon as your next pay day. Your Max may increase or decrease based on the following:
- Keep your bank balance positive
- Sign up for Balance Shield to protect yourself from overdrafts
- Spend less money than you make
- Make sure we can debit your account on payday after you cash out money
- Make sure Earnin is connected to your main checking account with your paycheck deposits
- Connect a Chase account with Earnin. Chase sends us transaction updates more quickly, and they offer Lightning Speed!