EarnIn: Why Wait for Payday? 16.0

EarnIn is a widely recognized app that facilitates same-day access to earned wages, offering additional financial tools such as overdraft assistance, savings management, and credit score monitoring. Its features aim to empower users to exercise greater control over their personal finances.

UP TO $150 PER DAY ACCESS2

• Users can access up to $150 per day, with a maximum of $750 per pay period through Cash Out. Funds are deposited into the bank account within minutes for a nominal fee or within 1-3 business days at no cost. This service provides a convenient alternative to traditional waiting periods for payday.

NO MANDATORY FEES

• The platform does not impose interest charges, credit checks, or membership fees. It is positioned as a more efficient and responsible alternative to cash advances and payday loans. Tipping is optional and can be done at the user's discretion3.

ACCESS YOUR EARNED MONEY

• Users can draw from their earned wages before official payday, enabling them to manage bills and expenses proactively rather than resorting to high-interest borrowing options.

EARLY PAY OPTION

• The Early Pay feature allows users to receive their paycheck up to two days earlier for a fee of $2.99 per expedited transfer to their primary bank account4.

OVERDRAFT PREVENTION TOOLS

• Balance Shield provides alerts and custom transfers from user earnings, helping to maintain adequate bank balances and potentially avoiding overdraft fees5.

FREE CREDIT SCORE MONITORING

• The app offers free access to VantageScore 3.0® by Experian®, enabling users to monitor their credit health conveniently6.

SAVINGS AND BUDGETING RESOURCES

• Automatic or manual transfers via Tip Yourself facilitate savings towards bills, travel, or emergency funds, assisting users in achieving financial goals incrementally.

SECURITY AND SUPPORT

• Advanced security measures are in place to protect personal data and financial information. Customer support is available daily through in-app or web chat with the EarnIn Care Team.

Note: EarnIn maintains independence from other financial applications and loan services such as Dave, Beem, Self, Varo Bank, Chime (SpotMe), Instacash, Float Me, Possible Finance, Albert, Klover, Ibotta, and MoneyLion.

Address:

391 San Antonio Road, Third Floor
Mountain View, CA 94040

EarnIn operates as a financial technology platform rather than a banking institution; banking services are provided by Evolve Bank & Trust, Member FDIC.

Footnotes:

• 1 Expedited transfer services are available for a fee. Details are accessible on EarnIn.com.
• 2 Access limits depend on earnings and risk evaluation and are applicable in select states with terms and restrictions outlined on the website.
• 3 Tipping is voluntary; tipping frequency and amount do not influence service quality or availability.
• 4 Early Pay requires a deposit account with Evolve Bank & Trust; fees and restrictions may apply as detailed on EarnIn.com.
• 5 While Balance Shield aims to help prevent overdrafts through alerts and transfers based on earnings, it does not guarantee overdraft avoidance. Transfer limits depend on individual earning profiles.
• 6 Credit scores provided may differ from those used by lenders; visit Experian.com for comprehensive details.
• 7 Tip Yourself accounts held by Evolve Bank & Trust offer no-interest savings with no monthly fees; specific terms are available on EarnIn.com.