Bank Account Setup – Earnin Help Center

We’re currently testing ways that Earnin can support its Chime and Varo users. Earnin needs to be able to determine your pay schedule so that we can calculate your available earnings, as well as set your Pay Period Max. Because Chime users may r...

Answer There are two main reasons our app would request to see your bank transactions: To verify that you are still receiving your direct deposits from your employer To verify that our debits or test transactions went through to your account Th...

Earnin uses bank providers to connect us with your bank. Since we don't receive live minute-by-minute updates of your bank transactions, it usually takes 2-3 days for the Earnin app to complete the verification process. If you see that our test...

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 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 se...

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...

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 ...

Answer When the app recognizes that the test transactions (credit and/or debit of less than $1) posted in your direct deposit checking account, the verification should be completed. If not, please reach out to us, so we can expedite the process o...

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.