Here are a few cases that could cause your bank to charge you an overdraft fee due to an EarnIn debit:
- EarnIn incorrectly sets up your pay schedule and debits your bank account before your direct deposit has posted.
- Your paycheck is delayed or there was a change in your pay schedule.
- You have a new bank account, and it wasn’t updated in the app.
This could also be related to test transactions, see I got an overdraft fee from test transactions during signup. Can I get reimbursed?
If you have questions about your pay schedule or debit date, go to My payday and debit date are not the same.
If you receive an overdraft fee from your bank due to any of the above reasons, please contact support so we can review.
You may be asked to provide a bank transaction screenshot showing the overdraft fee and last 2 digits of your account number.
What about bank fees?
EarnIn’s Terms of Service note that customers are responsible for third-party fees. This means you’ll be responsible for any fees your bank charges because there weren’t enough funds in your account when EarnIn debits the repayment. These fees are applied by your financial institution, not EarnIn.
If EarnIn takes the funds before your direct deposit date, or if you receive a bank fee in connection with an EarnIn debit, contact our support team to review if fees can be refunded.