What is the difference between ACH and Lightning Speed?

ACH is a banking term that stands for Automated Clearing House. Transfers sent via ACH are referred to as standard speed. 

Lightning Speed is an EarnIn term to describe transfers that arrive within minutes. Learn more: What is Lightning Speed and how can I get it?

The difference between ACH (standard speed) and Lightning Speed transfers is how fast your money arrives. Standard speed transfers arrive within 1 to 2 business days. Lightning Speed transfers arrive within minutes. For transfer arrival details, read How long does it take to get my transfers? 


Upgrade transfers to Lightning Speed

If you selected the standard speed option but want your money faster,  you can upgrade to Lightning Speed! 

Find the transfer confirmation tile on your homescreen, and tap “Get it sooner” 

After confirming the Lightning Speed fee and optional tip, your transfer will be on its way.


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