Paying Earnin Back

The following policies determine the debit date of Cash Outs requested on the day before your payday: If you cash out before 7:00 AM Pacific Time (10:00 AM Eastern Time) on your payday, the money will be debited on your current payday. For examp...
Answer You can submit multiple images that include all the necessary information to update your account through the app or through chat. To update your recent direct deposit screenshots of your direct deposit and the last 4 digits of your bank ...
Answer For security purposes, some banks won't allow their customers to take a screenshot of their bank details or transactions. If this is the case, kindly follow the steps below: You need to login to your bank account online using a laptop, de...
We get it. Life happens, and we’re here to help. The Earnin Team can reschedule your debit for your next pay period as long as we are notified at least two business days prior to the original debit date.  Please note that as of March 26, 2020, we...
Earnin’s goal is to help you get to a better place financially. Earnin doesn't work directly with your employer. Instead, we collaborate directly with you and your bank to debit your account for the Cash Outs you made. On your payday, Earnin will...
Answer  By requesting a Cash Out, Max Boost or Balance Shield Cash Out, you authorize us to electronically initiate transactions to your bank account; or if you link a debit card to your Earnin account, you authorize us to charge your debit card....
Answer This is because your pay cycle is about to roll over, but your pay period Max has not reset yet. Once your payday arrives and we confirm that our debits have successfully posted on your bank account, you should be able to cash out provided...
Answer Here are a few rare cases that could cause your bank to charge you an overdraft fee due to an Earnin debit: Earnin’s test transaction posted without adequate funds available (our test transactions are a few cents). If we ever lose connect...
Answer We never want to put your account in a position where we cause you overdraft fees. So when we manually update your account: We ensure that your balance is positive so your bank does not return our debit and charge you a fee.  We don't wan...
Answer Earnin schedules our debits on your payday. We send the debit transactions before the actual debit date for processing. However, we do not change the debit date from what we have your payroll set up as. For example, if you are seeing a pen...
 Answer Payroll deduction in the transaction description means that the bank considers Earnin credits as paychecks instead of regular deposit transactions. Additional notes This feature is part of the bank and if you wish for this feature to be d...
Earnin puts you in control. If we are unable to debit your bank account through the app, you have the option to pay Earnin via money order.  In order to do so, please ensure the following criteria are met: Payable To: “Earnin Activehours” Amount...
Answer The message you see is often received by you on payday because we look at two things before you can cash out again: you received your recent paycheck our debits posted to your account You are most likely seeing this message because it ta...
Answer If you wish to revoke your authorization, you may do so by contacting support using Live Chat with the Earnin team via the mobile app at least three business days before the day the transaction is scheduled. Please note that your revocatio...
Answer The app determines restore dates based on your pay pattern. If a pay pattern is inconsistent with the initial set-up description (weekly, bi-weekly, semi-monthly, etc.), our system may set the debits for an earlier date.  Don't worry! We'r...
Environment  Android iOS  Answer Here's a list of Credit Union banks that automatically delay the debits by a day: Achieva Credit Union Alaska USA Federal Credit Union Altura Credit Union A+ Federal Credit Union Army Aviation Center Federal Cr...
We post our debits on the day your paycheck comes in to ensure that there are enough funds in your account to cover the payment(s). Earnin can only choose the date, but your bank determines which time the transaction posts to your account.  If ou...
Our goal is to help you access your money as you earn it, so we’re careful to send our debits with enough time to post to your account on payday so you can cash out ASAP. But sometimes, banks may post your paycheck a day or two early.  For exampl...
Since we use a bank provider and don't have real-time connection with your account, it takes the bank some time to update transactions.  If it's payday, the app may show you've reached your Max, or that it's waiting for you to get paid. Just foll...