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 may apply to use Lightning Speed. Lightning Speed may not be available to all community members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. EarnIn will keep debit card information on file to assist with Lightning Speed transactions and will only charge the card if you later provide specific authorization. Restrictions and/or third-party fees may apply, see EarnIn.com/TOS for details.