Starting July 9, 2025, EarnIn will update Cash Out and Balance Shield in response to new regulatory guidance in the following states:
- Colorado
- Maryland
- Massachusetts
- Wisconsin (WI)
Tipping is no longer available for Cash Out and Balance Shield in CO, MD, MA, and WI. Customers in these states will instead see fixed Lightning Speed fees based on the amount transferred. Tipping will continue to be available in other states where permitted.
Lightning Speed Price Changes
| Product | Standard Speed 1-2 Business Days | Lightning Speed Expedited Transfer |
| Cash Out | $0 | $10–$75 → $4.99 $76–$150 → $6.99 |
| Balance Shield Auto Transfers | $0 | $100 → $6.99 |
When do these changes take place?
| Effective date | Who is impacted |
| July 9, 2025 | Cash Out and Balance Shield auto-transfer customers who signed up on or after 7/9/25 in CO, MD, MA, WI |
| August 9, 2025 | Cash Out customers who signed up before 7/9/25 in CO, MD, MA, WI |
| September 8, 2025 | Fee and tip changes apply to any Balance Shield auto-transfer completed on or after 9/8/25 by customers in CO, MD, MA, WI |
Questions?
We’re here to help. If you have questions about these changes or how they affect your account, contact us through the app.