Like other financial apps, Earnin uses bank providers to create a connection with your bank, so we don't control how often we get an update from them or if there are errors connecting with them. They help us get information such as bank balance, pay schedule, and posted payments.
Banks themselves also make updates in their system and policy to keep clients’ accounts secure. The app recognizes this too, so there are times when we lose connection because of the changes.
If the app loses connection to your bank, we recommend that you re-enter your bank info in the app and make sure that your bank account, routing number, and bank login credentials are correct. Remember this is case sensitive and special characters matter. If the connection still fails after this attempt, you may reach out to our 24/7 chat support. We’ll be more than glad to look further into the issue and assist you accordingly.
Aside from creating a healthy connection, it is also worth noting that the app needs to be linked to a checking account where you receive 50% or more of your direct deposit.