Why is my Lightning Speed transfer delayed?

Here’s what to do if your Lightning Speed transfer didn’t work.  

  • Confirm that your debit card is not expired, locked or being replaced (marked as lost or stolen). If you recently received a replacement debit card, make sure it’s activated and add it within the app
  • Confirm that you’re sending the transfer to an active bank account. 
  • If your Lightning Speed transfer fails, you can retry as a standard speed (ACH) transfer for free. 

Some debit cards can have temporary blocks or restrictions. If your transfer is processing for more than 30 minutes, please contact customer support.


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