"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 November 2, 2026.
| Fee type | 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 (Transfers of $75 or less)* | $3.99 (Transfers of $75 or less)* | $2.99 (cash transfers)^ | $5.99 (cash transfers)^ | $2.99^ |
$5.99 (Transfers from $75.01 to $150)* | $5.99 (Transfers from $75.01 to $150)* | $2.99 (transfers of earnings + cash)^ $3.99 (earnings transfers of $75 or less)* $5.99 (earnings transfers from $75.01 to $150)* $8.99 (earnings transfers greater than $150)* | |||
$8.99 (Transfers greater than $150)* | $8.99 (Transfers greater than $150)* | ||||
| Standard Speed transfer fee | $0 | $0 | $0 | $0 | |
| Service Fee | N/A | N/A | N/A | N/A | |
| Fee type | Cash Out Link | Balance Shield w/ Cash Out Link | Cash Out Link 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 (Transfers of $75 or less)^ | $3.99 (Transfers of $75 or less)^ | $2.99 (cash transfers)^ | $5.99 (cash transfers)^ | $2.99^ |
$5.99 (Transfers from $75.01 to $150)^ | $5.99 (Transfers from $75.01 to $150)^ | $2.99 (COL transfers + cash)^ | |||
$8.99 (Transfers greater than $150)^ | $8.99 (Transfers greater than $150)^ | $3.99 (COL transfers of $75 or less)^ $5.99 (COL transfers greater than $75)^ $8.99 (COL transfers greater than $150)^ | |||
| Standard Speed transfer fee | $0 | $0 | $0 | $0 | |
| Overdraft Service Fee (also referred to as "Service fee") | $1.99 (each Cash Out Link transfer)^ | $1.99 (each Cash Out Link transfer)^ | $1.99 (each Cash Out Link COL transfer)^ | N/A | |