Lightning Speed is a fee for optional expedited transfer services. Depending on the product, this fee is charged by either EarnIn or by its banking partner, Evolve Bank & Trust. Fees marked with a [*] are charged by EarnIn, while those marked with a [^] are charged by Evolve Bank & Trust. 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.
Please check EarnIn’s website regularly for the most current version of this fee schedule.
| Cash Out |
Balance Shield
|
Cash Out (for Deposit Account customers) |
Transfers (for EarnIn Card customers) |
Early Pay | |||
| With Qualifying Direct Deposit1 to the Deposit Account | Without a Qualifying Direct Deposit1 to the Deposit Account2 | With Qualifying Direct Deposit1 to the Deposit Account | Without a Qualifying Direct Deposit1 to the Deposit Account | ||||
| Lightning Speed Fee |
$3.99 (on transfers $100 or less)* $5.99 (on transfers greater than $100)* |
$3.99 |
$2.99 (earnings transfers of $100 or less)* $5.99 (earnings transfers greater than $100)* |
$3.99 (earnings transfers of $100 or less)* $5.99 (earnings transfers greater than $100)* |
$2.99 (cash transfers)^ $2.99 (transfers of earnings + cash)^ $2.99 (earnings transfers of $100 or less)* $5.99 (earnings transfers greater than $100)* |
$5.99 (cash transfers)^ $2.99 (transfers of earnings + cash)^ $2.99 (earnings transfers of $100 or less)* $5.99 (earnings transfers greater than $100)* |
$2.99^ |
| Standard Speed transfer (1-2 business days) | $0 | $0 | $0 | $0 | $0 | ||
To learn more about Lightning Speed, visit What is Lightning Speed and how can I get it?
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.