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.
Check EarnIn’s website periodically for the current version of this fee schedule.
| Cash Out |
Balance Shield
|
Deposit Account | EarnIn Card | 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.