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Balance Shield

Help avoid the surprise of low bank balances1

Why leave your bank balance to chance?1

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 Shield1 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

Stay in the loop with custom notifications if your balance drops to $0-500 — whatever threshold you set.1
A woman carrying her son on one hand and use the laptop with the other hand in the kitchen

Add protection against overdrafts

If your account reaches overdraft range, you’ll automatically2 get $100 transferred from your on-demand pay (with a max of $750 per pay period).1

EarnIn customers save nearly $540 per year by avoiding overdraft fees3

How it works

Customize Balance Shield to work the way you want.

01

Set your bank balance threshold between $0-500

02

Receive a notification if it gets low1

03

Get $100 auto-transferred2 to help protect your balance, too (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.”4

- Betsy

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?
Safety and security comes first
We use the latest in security technology to keep your data protected. And we never sell your personal information — period.
We're available every day of the week
We strive to respond to your questions in less than 2 minutes.5 But we’re always working to beat our record...