Generally, EarnIn schedules debits for the upcoming payday. However, there’s a cutoff time for transfers requested the day before your payday.
If you request the transfer before 10 a.m ET on the day before your payday, EarnIn will debit your bank account on the following day.
If you request the transfer after 10 a.m ET on the day before your payday, EarnIn will debit your bank account on the payday after next.
The cutoff time applies to ACH and Lightning Speed transfers.
For community members using Deposit Account, your paycheck can arrive up to two days early. Therefore transfers that occur during this window will be debited after your next pay cycle.
For example, if you transfer out on a Wednesday, when your official payday is Friday. Your debit will be scheduled on your the payday after next, instead of two days later.
