Bank Account Setup

Like most financial institutions, Earnin uses third-party providers to connect to your account. Consequently, we do not have a live minute-by-minute connection with your bank account.  If you need to send us any screenshots to update your account...
Answer Currently, the Earnin app does not support the following bank account types: Prepaid accounts accounts similar to prepaid accounts express cards pay cards (from employers) Additional notes How does Earnin verify my bank account? Is my ba...
Answer Screenshots of your bank transactions are used to confirm that: Your direct deposit already reached your account Our debits have posted on your account Your account does not have a negative balance Like most financial institutions, Earni...
Answer If your account and routing numbers will remain the same you will be able to continue using the app. If, however, your account and routing numbers have changed you will need to update your bank account on the Earnin app. Click here to see ...
Answer The list of banks Earnin supports is always growing depending on our third-party providers who connect them with us. To check if your bank is supported, when verifying your bank information on the Earnin app if your bank is one that is lis...
Answer Yes, you can. However, you need to wait for 30 days from the day we last debited your account before you can use the same bank info again. Once the 30-day period has passed and you encounter any issues reusing the same bank info, please co...
Answer A pending status means that the bank is still processing our test transaction. Sometimes banks do not accept and return our credits/debits instead of going through. This causes issues when you cash out, so we need to wait for our test tran...
We are actively working with banks to rethink ways of collaborating to make your money work better for you. However, overhauling the financial system takes some time. While we work on that, we continue to rely on verified bank connections. There ...
Answer Unfortunately, Wells Fargo EasyPay is not supported by Earnin since they limit our debit transactions. If you have a regular checking account that is not a prepaid account like EasyPay, you are more than welcome to register it with our Ear...
Answer At this time Earnin will only deposit money into the account linked within the app. In effect, this means your Cash Outs will only be sent to the account into which your direct deposits are posted. Additional notes You can see the requirem...
 Answer Test transactions sent to verify your bank are sent via ACH which normally takes 1 business day to post which is why verification is not instant. Because of this, we don't send test transactions over the weekend and during holidays, prolo...
Symptoms Trying to add your card to the app  Receiving Error code 406 Cause This error comes up if you put in your credit card instead of a debit card.  If it is a debit card and you continue to get this error, please reach out to our support s...
The following causes invalid direct deposits: ATM Transfer (exception: Doordash & Instacart) Xfer Venmo PayPal SSA (if there is a monthly pattern) Mobile Deposit Reversal Return Refund (“Tax Ref” or “Ref”) Check Deposit Deposit w/ ID# SSA TREAS ...
  Symptoms Seeing an Error 400 in the app Cause You may be seeing this error if you have recently updated your bank info on the app. Because some bank account numbers have the same format as credit card numbers, the app is unable to differentiate ...
  AnswerWhen our app recognizes that our test debits and credits happened on our checking account, your bank verification is complete.  You can now cash out. Additional Notes Learn how to cash out here.
Answer No, we are unable to support prepaid accounts because we cannot guarantee a successful transfer. We are also unable to support paycards from employers (like Walmart Money Card) because they work similarly to prepaid accounts. Here’s a list...
Answer The Earnin app does not support two accounts using the same bank information. You can sign up for Earnin using the joint bank account once the co-owner has closed their Earnin account. For security purposes, it will take 30 days before the...
Answer This means the bank information you're trying to add is already being used or was used in the past with another Earnin account. If you share a bank account with someone, they could be using Earnin already. Learn more about shared bank ac...
We know that it can be a little scary to share your bank information into any app. And, that's why we use the latest encryption technology to keep your info safe. We ask our community members to send screenshots of banking info for the following ...
We’re working hard to collaborate with our community on building a financial system that works for everyone. In doing so, we are continually working to team up with more banks and credit unions to help our community.  During the initial account s...
Changing banks can often be a hassle. Updating your information on every app can be time-consuming and confusing. Luckily, updating your info with Earnin is fast and simple, just like our Cash Outs.  If your direct deposits are now being sent to ...
We verify your bank account by sending test transactions under $1. This helps us confirm that they posted to the correct account and also allows us to verify if we can send money to your bank and debit it back successfully. If you see these test ...
We send small test transactions under $1 to your bank account linked to the app to make sure that we can credit and debit your account. If you see these in your bank account but your bank info isn’t verified yet, please contact support.