Here’s a breakdown on Lightning Speed fees:
| Account Type | Lightning Speed fee | Additional Info |
| Cash Out | $3.99 |
Flat fee, regardless of transfer amount. First time use is free. |
| Deposit Account | $2.99 |
Flat fee, regardless of transfer amount.
|
| EarnIn Card (with qualifying direct deposit of >$500 per pay period) | $2.99 | Flat fee, regardless of transfer amount. |
| EarnIn Card (without qualifying direct deposit of >$500 per pay period) | $2.99 (or $5.99) | A Lightning Speed fee of $5.99 is charged for cash-only transfers. |
There’s a no-fee transfer option. Standard speed transfers are free and delivered in 1-2 business days.
To learn more about Lightning Speed, visit What is Lightning Speed and how can I get it?
A qualifying direct deposit is a minimum of $1,000 per month (that’s $500 per paycheck if you get paid every 2 weeks, or $250 per paycheck if you get paid every week).
Fees and restrictions apply to use Lightning Speed. Lightning Speed may not be available at all times. See EarnIn Cash Out User Agreement. Expedited Transfer fee paid up front where applicable - see Evolve Deposit Account Agreement.
Subject to your available earnings, Daily Max and Pay Period Max. EarnIn services may not be available in all states. Restrictions and/or third party fees may apply, for more information please review our Terms of Service available at EarnIn.com/TOS