What is Lightning Speed and how can I get it?

When you transfer out with Lightning Speed, your money will be in your account in minutes* instead of days – even on weekends and holidays. 

Sign up for Lightning Speed:

  • Have an eligible debit card, not a prepaid card or paycard linked to a checking account (not a savings account)
  • Login to the app
  • Click the Lightning Speed banner on the app home page

It can take up to one business day to verify your card. Depending on your bank, EarnIn will send small test transactions to confirm a working connection with your bank. 

Still not working? Troubleshoot with this article: Why is my Lightning Speed transfer delayed?

Also, remember to update your card in the app if it’s expired, lost or stolen. 


How do I pay the Lightning Speed fees?

On your payday, EarnIn will automatically debit your bank account the total amount of transfers, Lightning Speed fees, plus any optional tips. 

Check your upcoming debits under the Activity tab in the app. 


Fees and restrictions apply to use Lightning Speed. Lightning Speed may not be available at all times. See EarnIn Cash Out User Agreement. Expedited Transfer fee paid up front where applicable - see Evolve Deposit Account Agreement.

Subject to your available earnings, Daily Max and Pay Period Max. EarnIn services may not be available in all states. Restrictions and/or third party fees may apply, for more information please review our Terms of Service available at EarnIn.com/TOS