Lightning Speed is a fee for optional expedited transfer services. Depending on the product, this fee is charged by either EarnIn or by a banking partner. Fees marked with a [*] are charged by EarnIn, while those marked with a [^] are charged by a banking partner. See details below.
“Transfer out” and “Cash Out” are terms used interchangeably within our platform. Both refer to the process of transferring earned income to your linked bank account.
Indiana
Lighting Speed fees are capped at 5% (minimum $3.99) of the transfer amount for Indiana residents.
Lighting Speed Fees - Cash Out
- 5% with a minimum of $3.99
Lighting Speed Fees - Balance Shield
- $5 on $100 auto-transfers
Lighting Speed Fees - Deposit Account Customers
-
With Qualifying Direct Deposit1 to the Deposit Account
- 5% with a minimum of $3.99 (earnings transfers)*
-
Without Qualifying Direct Deposit2 to the Deposit Account
- 5% with a minimum of $3.99 (earnings transfers)*
Lighting Speed Fees - EarnIn Card Customers
-
With Qualifying Direct Deposit1 to the Deposit Account
- 5% with a minimum of $3.99 (earnings transfers)*
- $2.99 (transfers of earnings + cash)^
- $2.99 (cash transfers)^
-
Without Qualifying Direct Deposit2 to the Deposit Account
- 5% with a minimum of $3.99 (earnings transfers)*
- $2.99 (transfers of earnings + cash)^
- $5.99 (cash transfers)^
Early Pay
- $2.99* per paycheck
Standard Speed Transfer (1–2 Business Days)
- $0 for all products
New York
Lighting Speed Fees - Cash Out
- $3.99 (on transfers $100 or less)*
- $5.99 (on transfers greater than $100)*
Lighting Speed Fees - Balance Shield
- $3.99 (on transfers $100 or less)*
Lighting Speed Fees - Deposit Account Customers
-
With Qualifying Direct Deposit1 to the Deposit Account
- $2.99 (earnings transfers $100 or less)*
- $5.99 (earnings transfers greater than $100)*
-
Without Qualifying Direct Deposit2 to the Deposit Account
- $3.99 (earnings transfers $100 or less)*
- $5.99 (earnings transfers greater than $100)*
Lighting Speed Fees - EarnIn Card Customers
-
With Qualifying Direct Deposit1 to the Deposit Account
- $2.99 (cash transfers)^
- $2.99 (transfers of earnings + cash)^
- $2.99 (earnings transfers $100 or less)**
- $5.99 (earnings transfers greater than $100)*
-
Without Qualifying Direct Deposit2 to the Deposit Account
- $5.99 (cash transfers)^
- $2.99 (transfers of earnings + cash)^
- $2.99 (earnings transfers $100 or less)*
- $5.99 (earnings transfers greater than $100)*
Early Pay
- $2.99* per paycheck
Standard Speed Transfer (1–2 Business Days)
- $0 for all products
All other states
Refer to the standard fee table.
- 1 - For more information about qualifying direct deposits see FAQs.
- 2 - If a Deposit Account customer stops sending their direct deposit to the Deposit Account, the Lightning Speed Fee will be the same as the Lightning Speed Fee charged to a Cash Out customer.