EarnIn creates a Deposit Account for community members who route their direct deposit through EarnIn.
With a Deposit Account, you route your direct deposit through EarnIn. Doing so offers the following benefits:
- Higher Pay Period Max*
- Get your paycheck up to two days early in your linked bank account for $2.99 or use the standard transfer option at no cost to get your paycheck up to 1 business day after your payday
Any transfers or additional amounts authorized will be debited from the paycheck amount you send to your Deposit Account. Any remaining funds will then be sent to your linked
bank account.
If you send a direct deposit through EarnIn, you’ll pay a flat fee of $2.99 for Lightning Speed transfers that arrive within minutes.*
To be eligible for a Max increase, you must send a qualifying direct deposit. This means $1000 per month (that’s $500 per paycheck if you get paid every 2 weeks, or $250 per paycheck if you get paid every week).
Regardless of your deposit amount, you can transfer out with the standard speed (ACH) option for free to get your money within 1-2 business days.
If you have the EarnIn Card and wish to split your paycheck between EarnIn and another account, you can use the Paycheck Router feature.
How do I enroll in Deposit Account?
If you receive an invitation to upgrade to Deposit Account, there’s a simple step-by-step process within the app.
- Complete the steps to verify your identity.
- Update your direct deposit information with your employer.
When your first paycheck arrives in your Deposit Account, you’re all set!
For faster transfers, make sure you have a valid and up-to-date debit card linked to your EarnIn account for Lightning Speed transfers.
Review our FAQ - Routing my Direct Deposit through EarnIn to learn more.
Max is subject to other factors. Minimum $1000 per month direct deposit required.
Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Transfers may take up to thirty minutes, actual transfer speeds will depend on your bank. Restrictions and/or third party fees may apply, see Cash Out User Agreement for details.
EarnIn is a financial technology company, not a bank. The Deposit Account and EarnIn Card are issued by Evolve Bank & Trust, Member FDIC.