Earnin Express

Earnin Express is a new app feature that gives our community an upgraded Cash Out experience. It’s a way for you to reach a higher Pay Period Max and potentially receive your paycheck early by routing your paycheck through Earnin.  Members will a...
Higher pay period Max.  Your Earnin Express pay period Max is $1000 or up to 80% of the paycheck amount you direct to Earnin - whichever is less. To get your highest possible Max, route your full paycheck to Earnin Express.  Using Earnin Expr...
Earnin Express is a similar Cash Out experience, but with better access to your pay! Earnin will deduct any Cash Outs and tips from the paycheck amount you routed to your Earnin Express virtual account. Any remaining funds will then be sent to yo...
Once you’re invited to upgrade to Earnin Express, all you need to do is enter your info and route all or a portion of your paycheck to the Earnin Express virtual account! Please make sure you have a valid and up-to-date debit card linked for Ligh...
Start your upgrade to Earnin Express from the top of the app home screen Verify your identity to create your Earnin Express virtual account Let your employer know to update your direct deposit to come to your Earnin Express virtual account Tha...
Earnin will not charge a fee for using Earnin Express. Together, we're helping each other get to a better place financially. That means building products that help you stay in control of your money from the moment you earn it. Earnin Express is t...
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...
The Earnin Express virtual account is an account Earnin will use to receive direct deposits from third parties like your employer.  Please only use the Earnin Express virtual account info for direct deposits. Any attempts by a third-party to debi...
No. Your virtual account with Earnin Express is not a checking account. This virtual account will not allow any third party debits and any attempts will be blocked.  Earnin Express requires that you create a virtual account with Earnin through ou...
No. Your virtual account with Earnin Express is not a checking account. This virtual account will not allow any third party debits and any attempts will be blocked.  Earnin Express requires that you create a virtual account with Earnin through ...
The Earnin Express virtual account is an account Earnin will use to receive direct deposits from third parties like your employer.  This means we can offer you:  Your Earnin Express pay period Max is $1000 or up to 80% of the paycheck amount you...
How high will my max be if I switch to Earnin Express? Your Earnin Express pay period Max is $1000 or up to 80% of the paycheck amount you direct to Earnin - whichever is less To get your highest possible Max, route your full paycheck to Earnin...
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 Earnin Express won’t affect your credit score because Earnin doesn’t report your info to credit bureaus.
Yep! You’ll still receive your full paycheck or the full paycheck amount you routed  if you didn’t cash out during the pay period.
Please view this page to reference all of the agreements for Earnin Express
Earnin Express 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 deposi...
Your money is FDIC insured up to $250,000. Earnin Express 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...
Before you can be unenrolled from Earnin Express, please redirect any and all direct deposits with your employer away from your Earnin Express virtual account. If your direct deposits haven't been redirected before we unenroll you, you may experi...
At this time Earnin Express isn't available with unemployment.
Please contact our support team to get more info on your Earnin Express virtual account history.  Your Cash Outs and tips that will be taken from your Earnin Express virtual account on payday will be viewable in the financial calendar in the app.
Earnin Express is currently only available to a small group of people for testing. We want to give you the best product possible!  When Earnin Express is available for all of our members we’ll send out an announcement, so keep an eye out!