"Lightning Speed" is a fee for optional expedited transfer services. Depending on the product, this fee is charged by either EarnIn or by its banking partner, Evolve Bank & Trust or Lead Bank. Fees marked with a [*] are charged by EarnIn, while those marked with a [^] are charged by our banking partner. See details below.
"Transfer out" and "Cash Out" are terms used interchangeably within our platform. Both refer to the process of transferring earned income to your linked bank account.
Please check EarnIn's website regularly for the most current version of this fee schedule. †‡ This version was last updated on March 20, 2026.
| Cash Out | Balance Shield w/ Cash Out | Transfers (for EarnIn Card Customers) | Early Pay | ||
|---|---|---|---|---|---|
| With Qualifying Direct Deposit1 to the Deposit Account | Without Qualifying Direct Deposit1 to the Deposit Account | ||||
| Lightning Speed Fee | $3.99 (Cash Outs of $75 or less)* | $3.99 (Transfers of $75 or less)* | $2.99 (cash transfers)^ | $5.99 (cash transfers)^ | $2.99^ |
$5.99 (Cash Outs greater than $75)* | $5.99 (Transfers greater than $75)* | $2.99 (transfers of earnings + cash)^ $3.99 (earnings transfers of $75 or less)* $5.99 (earnings transfers greater than $75)* | |||
| Standard Speed transfer fee (1-2 business days) | $0 | $0 | $0 | $0 | |
| Service Fee | N/A | N/A | N/A | N/A | |
| Cash Out Link | Balance Shield w/ Cash Out Link | |
|---|---|---|
| Lightning Speed Fee | $3.99 (Transfers of $75 or less)^ | $3.99 (Transfers of $75 or less)^ |
$5.99 (Transfers greater than $75)^ | $5.99 (Transfers greater than $75)^ | |
| Standard Speed transfer fee | $0 | $0 |
| Service Fee | $1.99 (each Cash Out Link transfer)^ | $1.99 (each Cash Out Link transfer)^ |