Your employer typically sends payroll information to your bank up to two days before the money is available to you. When you switch your direct deposit to EarnIn — by opening a deposit account with our partner bank Evolve Bank & Trust, member FDIC — we’re able to see that money right after payroll data is sent (even before we get the actual funds). We then transfer funds to you right away, up to 2 days before your scheduled payday.¹

The $2.99 covers the expedited transfer² to your bank so you get your money up to 2 days before payday.¹ This fee is charged by our partner, Evolve Bank & Trust. We also offer a no-cost option that gets you your money by your scheduled payday.

Download the EarnIn app, sign up, and follow the steps to create a deposit account with our partner bank, Evolve Bank & Trust.¹

Select “Lightning Speed” to opt-in for Early Pay (the $2.99 per paycheck applies).² Update your direct deposit with your employer, then link your bank account, and provide the debit card number associated with it. That’s it! You’re in.

Your paycheck is first deposited into your Evolve 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.¹

With EarnIn, you get access to even more tools to help you stay on track. If you sign up for Cash Out, you can access up to $750 in earnings between paydays (up to $150 per day). More on Cash Out here.³

No. Early Pay is not available for residents of Connecticut, the District of Columbia, or Maryland. 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.