What is Deposit Account and how does it work?

Deposit Account is an EarnIn feature that provides an upgraded experience and more flexibility to make every day payday. 

With Deposit Account, you send your direct deposit to your EarnIn Deposit Account. Doing so offers the following benefits:

  • Higher Pay Period Max
  • Get your paycheck up to two days early

EarnIn will debit any transfers, tips and Lightning Speed fees from the paycheck amount you send to your Deposit Account. Any remaining funds will then be sent to your Earnin-linked bank account.The daily earnings transfer limit is $100 with your Deposit Account.

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. 

  1. Complete the steps to verify your identity.
  2. 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 Deposit Account FAQs 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.