What does Available mean in my account?
If you’re an EarnIn Card customer, the amount listed above Available is how much you can spend on EarnIn Card or transfer to your linked bank.
The amount equals cash in your account + your granted earnings.
To review the exact amount of cash and earnings, tap the Activity tab, then the dropdown menu next to Details.
The Available amount on your app’s homescreen is what you can feel confident spending on your EarnIn Card.
What is Cash in the app?
This is the available balance left over from your most recent direct deposit.
Card purchases are pulled from your cash balance until it reaches $0, then from your earnings balance.
Where can I check my EarnIn Card balance and my spend?
Follow these steps to check your card balance:
- Go to the app Setting tab (three horizontal lines) at the bottom right corner of the app
- Tap Manage Card, then Make a Payment
- You will see your card balance next to Card Balance
The amount next to Available on your home screen is the amount you can currently spend on your Card. It represents available cash in your account and your issued earnings
Go to the Activity tab to see what amount of your Available is cash compared to earnings.
What is a secured account?
Your EarnIn Card works with a secured account to make sure your card is operational and can always be paid off. The secured account is FDIC-insured through our partner bank, Evolve Bank & Trust.
Here’s how it works on payday.
- Your direct deposit is routed through EarnIn (up to 2 days before payday)
- Earnings spent from the previous pay period, including any tips and fees, are set aside from your paycheck. This includes earnings transferred to your linked bank account or spent via the card.
- If you transfer your full paycheck through EarnIn, the remaining amount is sent to your secured account. This amount is seen as Cash in the app and available to spend.
If you opted to auto-transfer a portion of your paycheck to your linked bank, we’ll transfer up to that amount or the remaining funds from your paycheck to the secured account.
Can I transfer out funds from my earnings first instead of cash?
No, when you transfer funds from EarnIn to your linked bank account, we’ll always pull from the “cash” in your account first.
This helps you stay on track and on budget, because you know exactly how much of your earnings you’ve accessed from your next paycheck.
Why did I receive a smaller amount in my bank account than is set up in the Paycheck Router?
Your auto-transfer amount could be lower than what you set up in Paycheck Router in a few different scenarios:
- Your paycheck came in lower than expected (most common)
- You had insufficient funds remaining after EarnIn deducted your spent earnings, transfers, and tips and fees from the previous pay period.
- You set up a routing amount that is greater than your paycheck. Remember, any auto-transfers on pay day are limited up to your paycheck received by Earnin.
See what happens on payday for more detail.
How do I access my EarnIn Card statements?
Your monthly statements will be available for download in the app. Here’s how you can get your copy:
- Go to Settings in your app (the three horizontal lines on the rightmost side of your bottom navigation bar)
- Tap Document Center
- Tap Statements
- Tap EarnIn Card
Select the statement for the month you wish to view.