Coming soon: Cash Out changes for D.C. residents

Cash Out is changing for D.C. residents 

EarnIn is introducing changes to Cash Out starting in July for those living in Washington D.C. After setting up a no-cost deposit account through our partner bank, Evolve Bank & Trust, D.C. residents will continue to get up to $100 per day, up to $750 per pay period and other EarnIn features such as Credit Monitoring and Tip Yourself. However, Balance Shield will no longer be available in D.C. 

What is changing? 

Here’s how your EarnIn experience will be different than before. 

EarnIn deposit account - You’ll need to set up a no-cost deposit account through our partner bank, Evolve Bank & Trust. To set up your account, you’ll need to provide your social security number, address and date of birth so we can verify your identity – just like when you open any other bank account. This account will hold your earnings until they’re transferred to your linked bank account. The account is free to set up and doesn’t impact your credit score.

Lightning Speed fees and tips - You won’t be asked for optional tips anymore. The flat fee for all expedited transfers will change from $3.99 to $5.99. Lightning Speed fees will be debited at the time of transfer. For example, if you request a transfer of $100 via Lightning Speed, $94.01 will arrive in your bank account within minutes. There’s also a no-cost way to access your earnings, just select the standard transfer option to get cash in your linked bank in 1-2 business days.


Debiting - On payday, we’ll first attempt to debit the full repayment amount from your EarnIn deposit account. If you transferred out funds and the full amount of your repayment is not available in your Deposit Account one day before repayment is due, we will instead attempt to debit the full amount from your linked bank account.

For EarnIn Card holders

The cash out process for EarnIn Card holders will not change.


EarnIn is a financial technology company, not a bank. Banking Services are provided by Evolve Bank & Trust, Member FDIC.

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