Here are possible scenarios that can cause EarnIn to debit your account before your direct deposit is posted.
- Inconsistent pay schedule e.g. If you’re usually paid on Thursdays, but get paid on a Friday.
- Debit and direct deposit timing discrepancy e.g. your paycheck posts late in the day, but EarnIn debits you in the morning
- Pay schedule change
- Missed or delayed paycheck
The app determines debit dates based on your pay pattern. If a pay pattern is inconsistent with the initial setup, our EarnIn may debit your account early. We're here to help. If this happens, please contact support for review.
If our debits post ahead of your paycheck, we can change your debit schedule in the app. Contact our support team at least 2 business days in advance so they can make the adjustments for you.
Keep in mind that our connection to your bank can be delayed, a community advocate may ask for a screenshot of your bank transactions that shows the last 2 of your account number, the debit transactions and any associated fees.