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.
Indiana, Florida, Texas, Ohio, Illinois, and Pennsylvania
Lightning Speed fees are 5% (minimum $3.99) of the transfer amount for IN, FL, TX, OH, IL, and PA customers.
Lightning Speed Fees - Cash Out
- 5% ($3.99 minimum)*
Lightning Speed Fees - Balance Shield
- $5 on $100 auto-transfers*
Lightning Speed Fees - Deposit Account Customers
- Earnings Transfers
- 5% ($3.99 minimum)
Lightning Speed Fees - EarnIn Card Customers
- 5% ($3.99 minimum) (earnings transfers)*
- Cash + Earnings transfer
- 5% (minimum $3.99) on Earnings portion^
- $2.99 (cash transfers)^
Early Pay
- $2.99 per paycheck^
Standard Speed Transfer (1–2 Business Days)
- $0 for all products