Your paycheck can deposit early into whatever bank you use today.1
Ready for a new payday?
Here's how it works:
Step 1
Your paycheck lands in the deposit account you set up with us1
Step 2
It then gets expedited to your existing bank for $2.992
Step 3
You get a notification when it lands up to 2 days early1 (huzzah!)
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
What's the cost?
Just $2.99 per expedited transfer to your linked bank account.1 This fee is charged by our partner, Evolve Bank & Trust or Lead Bank.1 We also offer a no-cost option that gets you your money by your scheduled payday.
How do I sign up?
Download the EarnIn app, sign up, and follow the steps to create a deposit account with our partner bank, Evolve Bank & Trust or Lead Bank.1
Select “Lightning Speed”2 to opt-in for Early Pay1 (the $2.99 per paycheck applies). Update your direct deposit with your employer, link your bank account, and provide the debit card number associated with it. That’s it! You’re in.
How does my money flow to my bank?
Your paycheck is first deposited into your Evolve or Lead Deposit Account and then transferred to your linked bank account. Funds are usually available the day your employer processes payroll, which may be up to 2 days before your scheduled payday.
What else do I get with EarnIn?
With EarnIn, you get access to even more tools to help you stay on track. If you sign up for Cash Out and have direct deposit linked, you can access up to $150/day, with a max of $1,000 per pay period, while you wait for your early paycheck. More on Cash Out here.
Is anyone eligible for Early Pay?
No. Early Pay is not available for residents of Connecticut, the District of Columbia, or Maryland.1 Also, the availability of early funds is not guaranteed anywhere and may vary from paycheck to paycheck. Early access to your paycheck depends on the timing of your employer’s payroll processing. Some banks are not supported by EarnIn, which may prevent you from using Early Pay even if you meet other eligibility requirements.
