Deposit Account

Deposit Account is a new app feature that gives our community an upgraded transfer out experience. It’s a way for you to potentially reach a higher pay period Max and a possibility to receive your paycheck early by routing your paycheck through E...
The Deposit Account is an account Earnin will use to receive direct deposits from third parties like your employer. This means we can offer you:  Potential higher pay period Max.  Your Deposit Account pay period Max can reach $1000 or up to ...
Getting your direct deposit form for Deposit Account is easy! You can download the form in two ways: 1. Tap on the LET'S DO IT button and click on Didn't see your employer (blue link). (If you need your account number, you can tap on Get account d...
Some employers will issue their employees paper checks during the transition period when their direct deposit is being rerouted to their Deposit Account. If you anticipate that your employer will be issuing you paper checks while you transition y...
Deposit Account is similar to the Basic Account experience, but with better access to your pay! Earnin will deduct any transfer outs and tips from the paycheck amount you routed to your Deposit Account. 
Once you’re invited to upgrade to Deposit Account, all you need to do is enter your info and route all or a portion of your paycheck to the Deposit Account!
Start your upgrade to Deposit Account from the top of the app home screen or scroll down to see the Enroll button. Verify your identity to create your Deposit Account Let your employer know to update your direct deposit to come to your Deposi...
Earnin will not charge a fee for routing a portion or all of your direct deposit through your Deposit Account. Together, we're helping each other get to a better place financially. That means building products that help you stay in control of you...
I accidentally entered wrong info. How do I change it? If you've already applied, you'll have the option to re-enter it in the app if you entered something incorrectly. You'll have a limited number of retries so please be sure to carefully enter ...
Earnin's Deposit Account is a way for the community to receive direct deposits from third parties like your employer.  Please only use the Deposit Account info for direct deposits. Any attempts by a third party to debit this account will automati...
No. Your Deposit Account through Earnin is not a checking account. Your Deposit Account will not allow any third-party debits and any attempts will be blocked.  Deposit Account requires that you create a virtual account with Earnin through our ba...
How high will my pay period max be if I switch to Deposit Account? Your Deposit Account pay period Max has the potential to reach $1000 or up to 80% of the paycheck amount you direct to Earnin - whichever is less To get your highest possible pa...
How quickly will I receive my paycheck? As soon as we receive your routed paycheck amount from your employer, we’ll pass it along to your Earnin-linked bank account at Lightning Speed. Please make sure your Earnin linked debit card is up to date...
Nope! Your activity with Deposit Account won’t affect your credit score because Earnin doesn’t report your info to credit bureaus.
Yep! You’ll still receive the full paycheck amount you routed through Earnin if you didn’t transfer out during the pay period.
Please view this page to reference all of the agreements for Deposit Account
Deposit Account is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered banking institution. Evolve Bank & Trust is a member of the FDIC, and all funds associated with your depos...
Your money is FDIC insured up to $250,000. Deposit Account is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered banking institution. Evolve Bank & Trust is a member of the FDI...
Before you can be unenrolled from Deposit Account, please redirect any and all direct deposits with your employer from your Earnin Deposit Account to your checking account. If your direct deposits haven't been redirected before we unenroll you, y...
At this time Deposit Account isn't available with unemployment.
You may view your transaction history under Settings > Statements > Deposit Account. Your transfers and tips that will be taken from your Deposit Account on payday will be viewable in the Financial Calendar in the app. Please contact our support ...