Help keep your bank account out of overdraft range1
No commitment
Turn alerts and transfers on or off at any time — no commitment, no subscription
Customers save nearly $540/year by avoiding overdraft fees2
$540/yr
Why leave your bank balance to chance?
Put low balances on high alert
Stay in the loop with custom notifications if your balance drops to $0-$500 — whatever threshold you set.1
Add protection against overdrafts
Get $100 per day automatically2 transferred from your on-demand pay (with a max of $1,000 per pay period).1
Customize Balance Shield to work the way you want
Here’s how it works:
Step 1
Set your low balance amount between $0-500
Step 2
Get up to $100 auto-transferred per day1 to help protect your balance, with a max of $1,000 per pay period
Step 3
Receive a notification if it gets low
Join millions managing their earnings
“EarnIn fills the gaps when I don’t want to dig into my credit or savings.”3
Nina
EarnIn customer since 2020
460K+
5-star reviews
29M+
App downloads
It’s your money — take control of it
Cash Out
Early access
Live Pay
Early Pay
Balance Shield
Credit Monitoring
Tip Yourself
It’s your money — take control of it
Cash Out
Early access
Live Pay
Early Pay
Balance Shield
Credit Monitoring
Tip Yourself
Safety and security comes first
We use the latest in security technology to keep your data protected. And we never sell your personal information — period.
FAQs
Do I have to use both Balance Shield notifications and auto-transfers?
Nope – you can opt in or out of either of these at any time. Just head to the Balance Shield settings in the app to change your preferences.
How much does it cost?
Expedited auto-transfers cost $5.99, and the funds will land in your account in minutes.1 You can also take advantage of our no-cost standard transfer speed option to get funds in your account within 1-2 business days.
How do I enroll in Balance Shield?
It's as easy as downloading the EarnIn app and opting into Balance Shield from the Settings.
How is Balance Shield different?
Balance Shield doesn’t pull from a savings account. Instead, you can use the money you’ve already earned to help protect your bank balance from overdrafts.1
