COVID-19

High wait times for live chat support

We are currently short-staffed due to Covid-19 pandemic resulting in significantly longer wait times for live chat support. We appreciate your understanding and apologize for this inconvenience.

I am working from home due to the coronavirus. How will this affect my earnings and how can I get further assistance?

We understand that this is an uncertain time and many of our community members are working from home for the time being. 

You may remember that when you started using Earnin with your current employer, you turned on location services. Your earnings were then calculated by your hourly rate and the amount of time you spent at work using your phone’s GPS — this feature replaces the need for a timesheet and is called Automagic Earnings. Typically, workers are not eligible for Automagic Earnings if they do not have a single work location or if they work from home.  

Due to the shelter in place orders that many cities and states have enacted, many salaried and hourly workers are now forced to work from home. In order to accommodate the millions of Americans who are affected by the circumstances surrounding COVID-19, Earnin has made a one-time exception to the work from home restriction. We want to allow our community members who rely on Cash Out to continue to do so. The conditions to be able to are: 

  1. You have a copy of your employer notification that says:

    • You are approved to work from home by the employer.
      OR
    • You are not working but still getting paid by the employer.

  2. You have had at least one successful Cash Out and restore debit from your account
  3. You have received direct deposits for the last three consecutive pay periods

If the above are met, please reach out to our 24/7 chat support from within our app and we will add earnings of $200 or 50% of your last paycheck (whichever is less). You’ll be able to cash out so long as you have not reached your daily or pay period Max. You can monitor your earnings and Maxes in the app if you are curious about what they are.

Thank you for your patience as we work to help all of our community members. We will do our best to get things up and running as usual as soon as the shelter in place rules are lifted. Thanks again for your cooperation as we figure this out together. 

If you need other assistance, visit the Helpin Facebook group to find and share resources related to finances, job loss, access to nutrition, shelter, renter or homeowner services, elder care, and child services, among other categories.

Please note, the material collected in this group is for informational purposes only and is not intended to be relied upon as or construed as advice regarding any specific circumstances. Nor is it an endorsement of any organization or Services.

I'm working from home due to COVID-19. Why are my earnings $200 or less?

Previously, we were able to use your physical work location to calculate the hours you worked making it easier to differentiate work time from the rest of life. With all the changes to our working lives due to the novel coronavirus, we're finding new ways to accommodate our community. Our top priority is to serve you and our other community members as quickly and effectively as we can. So, we've made an exception to the work from home restriction if these requirements are met: 

  • You have a copy of your employer notification that says:
    • You are approved to work from home by the employer.
      OR
    • You are not working but still getting paid by the employer.
  • You have had at least one successful Cash Out and restore debit from your account.
    • You have received direct deposits for the last three consecutive pay periods. 
    Since you meet the requirements, we added earnings up to $200 or 50% of your last paycheck (whichever is less), and you'll be able to cash out so long as you have not reached your Daily or Pay Period Max. While we're revamping our systems to support you during this time, we want to make sure we're a reliable partner. Once we've navigated some of these challenges, you'll begin to see your Earnings return to expected levels. Feel free to check your updated earnings in the app and check out our FAQ for more details on working from home due to COVID-19.

What COVID-19 resources are available to me in my area?

We love the collaboration and interaction we have with the Earnin community.

As we work together toward the goal of building a financial system that works for people, we also recognize that we can save community members time by aggregating COVID-19 resources across the nation. 

Our COVID-19 Resource Center is a list of state and national resources to help ease the financial burden during this uncertain time. We have links to food banks, bill assistance, housing assistance, and more. We would also like to introduce you to our Helpin Facebook group, which is a place to support one another and share new links to resources that we will add throughout the week to our COVID-19 Resource Center.

Please note, the material collected in this group is for informational purposes only and is not intended to be relied upon as or construed as advice regarding any specific circumstances. Nor is it an endorsement of any organization or Services.

Earnin Employer Program during COVID-19

During this tough time, Earnin is still here to assist our community members! If your employer is looking for ways to offer their working employees more options, please refer them to visit our website www.earnin.com and navigate to our Partnerships section. Our specialized Advocates will contact your employer with information on how employees can benefit from Earnin.

 

Missing or Low Earnings

When this happens, your bank balance is likely in the negative. We want to help protect you from potential overdraft fees, so you will be able to cash out once there is a positive bank balance. 

We want to collaborate with our community for faster access to money you have already earned, so if your account is positive but doesn’t reflect in the app, reach out to us so the Earnin Team can get you ready for Cash Out. 

Why did my earnings decrease or reset on my payday?

  • When you work, your earnings increase to indicate the amount we believe you have earned to date, but not yet been paid for.
  • If we have calculated your hourly rate correctly, your paycheck will be equal to about 50-100% of your earnings.
  • If your pay cycle ends near your payday, it will be close to 100%, and if your pay cycle ends a long time before payday, it will be closer to 50%.
  • Just before payday, your employer sends your bank a direct deposit based on how much you earned. At that time, your earnings in Earnin decrease by the amount we expect you to be paid.

 

 

 

 

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