Lightning Speed

When you cash out with Lightning Speed, your money will be in your account in minutes* instead of days – even on weekends and holidays – a game-changer for immediate expenses. Find out if your bank is eligible: Have an eligible debit card linked...
With Lightning Speed, you may receive your Cash Out within 30 minutes - even on weekends and holidays*! Some transactions may take up to 30 minutes depending on the card and network status. If you notice any delays and it is not your first Cash O...
Our platform is secure. Our community members’ privacy is our top priority and the community's data is confidential. We only use data in accordance with our Privacy Policy, primarily for the improvement of our products.
We appreciate your patience as we work on a Lighting Speed structure that works for our community.  This tiered approach is meant to charge our community members a fair amount depending on how much you want to cash out. Tiers: $1.99 for up to $24...
In almost all cases, Lightning Speed transfers happen within minutes*! Occasionally if there are issues on the network that we and other companies that offer this service use, it may delay the speed of the transfer. If you do not receive your tra...
We are cheaper and more affordable for two reasons. First, we cover the fee of your first Lightning Speed Cash Out. Second, our fee tops out at $3.99 for a $100 cash-out, while many of the other popular products charge as much as $7.99 per cash-o...
We understand that our Community Members need instant access to money to help cover bills and expenses, and that’s why we have kept our new Lightning Speed transfer fees as low as possible. We will continue to provide our Standard Speed option fo...
On your payday, Earnin will automatically debit your bank account for the amount you cashed out, the Lightning speed fee, plus any tips you decide to Pay It Forward. This debit will be a separate transaction from your direct deposit. You have the...
All community members now have access to Lighting Speed, but this experience is optional. You can always cash out for free by choosing Standard Speed, and your Cash Out will take 1-2 business days for processing.
The Lightning Speed fee will not be charged right away. Earnin will debit the Lightning Speed fee together with your Cash Out and tip on your payday.  The fee associated with your Lightning Speed Cash Out will be canceled automatically if you did...
How is this fee different from tips? Tips are voluntary for earned wage access, and help Earnin provide its service to our community. You always have the option to cash out for free.  Lightning Speed fee is charged for faster access to funds.   D...
Definitely! You can cash out for free with Standard Speed processing. Your money will arrive in your bank account within 1-2 business days depending on the time and day that your Cash Out was made. For more information, please view How long does ...
This month, we will be introducing a fee* of up to $3.99 for this service. This helps ensure we can continue to offer Lightning Speed transfers as quickly as you need them and at the lowest cost possible, for more of the community.   Startin...
Your debit card information has been automatically unenrolled from the Lightning Speed feature because the app has detected that there was a change in your bank information or there was a change in your card information (new number, expiry date,...
Here are a few reasons why our community members are having trouble connecting their debit card for Lightning Speed. The Lightning Speed icon is not showing up in the app The app is under system upgrade or maintenance. If this is the case kindl...
In times like these, we know having access to the money you’ve earned is more crucial than ever before. Let’s make sure your info is up to date. To update your debit card info, go to the app home screen. Then: Tap the three dots on the right sid...
If the Lightning Speed icon is not showing up on the Earnin home screen, it is likely because the font size on your device is too large to properly display the Lightning Speed icon To adjust the font size on your device, please follow the steps l...
To get you set up for Lightning Speed, we send a small test credit to the debit card you linked with us. Lightning Speed verification usually happens instantly, but it may take up to one business day due to bank delays.
There are several reasons why you will not be able to cash out immediately even if you're enrolled in Lightning Speed. A few key reasons are listed below: Debit card is expired or replaced (marked as lost or stolen): your bank may have issued you...
Yes. For security purposes, banks may sometimes put a temporary hold on credits when they don’t recognize who is sending it to the account. Once we’re recognized by your bank, future Cash Outs should post to your bank account instantly*.   * Fees...
Lightning Speed is a feature that lets you cash out instantly instead of waiting one business day. Lightning Speed eligibility can depend both on your bank and individual card network. Want to know if your bank is eligible? Click here to learn ho...