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.
Put low balances on high alert
Instant notifications keep you in the loop if your balance falls below $0-500 — whatever threshold you set.
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)
“EarnIn provides a sense of relief. There’s safety that comes with that.”
- Cody²
FAQs
Do I have to use both Balance Shield notifications and auto-transfers?
Nope – you can opt in or out of either of these at any time. Just head to the Balance Shield settings in the app to change your preferences.
How much does it cost?
Expedited auto-transfers cost $3.99, and the funds will land in your account in minutes. You can also take advantage of our no-cost standard transfer speed option to get funds in your account within 1-2 business days.
How do I enroll in Balance Shield?
It's as easy as downloading the EarnIn app and opting into Balance Shield from the Settings.
How is Balance Shield different?
Balance Shield doesn’t pull from a savings account. Instead, we use the money you’ve already earned to protect your bank balance.
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...