Balance Shield

Stress less with an easy way to protect your bank balance1
Why leave your bank balance to chance?
It’s kinda crazy we don’t know when a transaction will actually post. The surprise of a low balance or overdraft fee benefits no one but the banks themselves. That’s where Balance Shield can help — to keep you happy and your money healthy, so you’re never left in the dark.
Photo of a girl laughing happily in a house

Put low balances on high alert

Instant notifications keep you in the loop if your balance falls below $0-500 — whatever threshold you set.
A woman carrying her son on one hand and use the laptop with the other hand in the kitchen

Overdraft fees? Not on your watch

If your account reaches overdraft range, you’ll automatically get $100 from your on-demand pay to protect your balance.

EarnIn customers save nearly $540 per year by avoiding overdraft fees

How it works

Customize Balance Shield to work the way you want.

01

Set your bank balance threshold between $0-500

02

Receive real-time notifications if it gets low

03

Get $100 auto-transferred to protect your balance (if you want)
Betsy, an EarnIn customer

“I love that I can turn it on and off and set my own balance threshold. I would describe it to a friend like overdraft protection from your bank, but WAY better because you control it.”

- Betsy²

FAQs
Do I have to use both Balance Shield notifications and auto-transfers?
How much does it cost?
How do I enroll in Balance Shield?
How is Balance Shield different?
Always safe, always secure
We use the latest in security technology to keep your data protected. And we never sell your personal information — period.
And we’re here for you 24/7
We strive to respond to your questions in less than 60 seconds. But we’re always working to beat our record...
Make the most of your money