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Evolve Bank & Trust
EarnIn Card and Account Agreements
Referral
IT’S NOW FREE TO TRACK YOUR CREDIT SCORE IN THE EARNIN APP. CHECK IT OUT >
MONEY AT THE SPEED OF YOU
Get up to $100/day of your pay1 within minutes of earning it. No mandatory fees
and no credit check.2
Sign up for free
Download:
as of 1/4/2023
OVER $15 BILLION IN EARNINGS
ACCESSED BY OUR COMMUNITY
“EarnIn is helpful because it’s that little bit of nudge that I may need…if I
need it, it's there, I know I can get it and it’s right on time”
— Denelle Asoro
“Sometimes if I had a bigger bill that was due, I would borrow from EarnIn, that
really helped. My bills were on time, and that really helped me get on my feet.
— Joy Burrows
“EarnIn helps me to do what I need to do to get where I'm going. If I have an
unexpected expense, EarnIn’s there to help.”
— Angela Torres
“If I’d need to buy groceries or something for my son—for school projects,
clothes, whatever—you just spin the wheel, hit the button, and the money's
there.”
— Jason Campbell
“I feel like EarnIn is looking out for you. Not only are they helping you make
ends meet, they're also helping long- term so that you're not staying in debt.
This thing saved my wedding!”
— Danielle Majeika
“EarnIn is helpful because it’s that little bit of nudge that I may need…if I
need it, it's there, I know I can get it and it’s right on time”
— Denelle Asoro
“Sometimes if I had a bigger bill that was due, I would borrow from EarnIn, that
really helped. My bills were on time, and that really helped me get on my feet.
— Joy Burrows
“EarnIn helps me to do what I need to do to get where I'm going. If I have an
unexpected expense, EarnIn’s there to help.”
— Angela Torres
“If I’d need to buy groceries or something for my son—for school projects,
clothes, whatever—you just spin the wheel, hit the button, and the money's
there.”
— Jason Campbell
“I feel like EarnIn is looking out for you. Not only are they helping you make
ends meet, they're also helping long- term so that you're not staying in debt.
This thing saved my wedding!”
— Danielle Majeika
“EarnIn is helpful because it’s that little bit of nudge that I may need…if I
need it, it's there, I know I can get it and it’s right on time”
— Denelle Asoro
“Sometimes if I had a bigger bill that was due, I would borrow from EarnIn, that
really helped. My bills were on time, and that really helped me get on my feet.
— Joy Burrows
“EarnIn helps me to do what I need to do to get where I'm going. If I have an
unexpected expense, EarnIn’s there to help.”
— Angela Torres
“If I’d need to buy groceries or something for my son—for school projects,
clothes, whatever—you just spin the wheel, hit the button, and the money's
there.”
— Jason Campbell
“I feel like EarnIn is looking out for you. Not only are they helping you make
ends meet, they're also helping long- term so that you're not staying in debt.
This thing saved my wedding!”
— Danielle Majeika
IT’S PAYDAY ALL DAY, EVERY DAY
Watch your earnings tick up as you work, and access up to $750 per pay period of
money you’ve already earned.
YOUR EARNINGS IN MINUTES
Send your earnings to a linked bank account in just minutes with Lightning
Speed, or get them in 1-3 business days at no cost.2
NO MANDATORY FEES, NO CREDIT CHECK
Accessing your pay shouldn’t cost extra. We don’t charge mandatory fees or
interest, and we don’t run your credit.
IT'S EASY—AND FREE:
1. 01
Add your bank and employment info, and we’ll verify your paycheck.
2. 02
Transfer up to $100/day [up to $750/pay period] to a linked bank.
3. 03
It’s free, and you have an option to tip (if you like).2
4. 04
Any earnings you used (plus tips) get debited when your paycheck hits.
1.
2.
3.
4.
04
Any earnings you used (plus tips) get debited on or after your next payday.
01
Add your bank and employment info, and we’ll verify your paycheck.
02
Transfer up to $100/day [up to $750/pay period] to a linked bank.
03
It’s free, and you have an option to tip (if you like).
04
Any earnings you used (plus tips) get debited on or after your next payday.
01
Add your bank and employment info, and we’ll verify your paycheck.
WHEREVER LIFE TAKES YOU, YOU’RE IN
Whether filling up your tank or taking a much-needed break, your
earnings will be there whenever you need (or want) them.
Sign up for free
SECURITY + PROTECTION—WE’VE GOT YOUR BACK
EarnIn uses the latest in security technology to keep your data protected. And
we never sell your personal information.
Questions? We're here for you 24/7. Chat with your EarnIn Care Team directly in
the app.
For more information please visit Privacy Policy
About Us
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Help
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Evolve Bank & Trust
Site Map
EarnIn Card and
Account Agreements
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in
the U.S. and other countries. App Store is a service mark of Apple Inc. Google,
Android and Google Play are trademarks of Google Inc., registered in the U.S.
and other countries.
EarnIn is a financial technology company, not a bank. Bank products are issued
by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a
license from Visa USA Inc.
1Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does
not charge interest on Cash Outs.
2Fees apply to use Lightning Speed. Lightning Speed may not be available to all
Community Members. Cash Outs may take up to thirty minutes, actual transfer
speeds will depend on your bank connection. Restrictions and/or third party fees
may apply, see Earnin.com/TOS for details.
1Restrictions on use of Services and/or third party fees may apply, see
earnin.com/privacyandterms for details.
2Balance Shield cash out is subject to your available earnings and daily pay
period max. Other restrictions and/or third party fees may apply. For more
information visit earnin.com/privacyandterms.
3Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and
FDIC insured up to $250,000. Tip Yourself is a 0% APY and $0 monthly fee
service. Other restrictions and/or third party fees may apply, see
earnin.com/privacyandterms for details.
1Fees may apply to use Lightning Speed. Lightning Speed may not be available to
all Community Members. Cash Outs may take up to thirty minutes, actual transfer
speeds will depend on your bank connection. Restrictions and/or third party fees
may apply, see Earnin.com/TOS for details.
2Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.
3Balance Shield cash out is subject to your available earnings and your daily
pay period max. Other restrictions and/or third party fees may apply,
see Earnin.com/TOS for details.
4Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and
are insured by the FDIC up to the standard maximum deposit insurance amount per
depositor, per FDIC-insured bank, and per ownership category. Tip Yourself is a
0% Annual Percentage Yield and $0 monthly fee service. Other restrictions and/or
third party fees may apply. For more information/details visit earnin.com/tos.
5Up to two days early is based on comparison with traditional banks. Exact
timing is dependent on your employer’s payroll policies. For more information on
eligibility and requirements of Earnin Express, visit Earnin.com/TOS.
6Your Max on Earnin Express is up to 80% of your payroll or $1000, whichever is
less. The 80% is dependent on you routing your full paycheck to Earnin Express.
For more information on eligibility and requirements of Earnin Express,
visit Earnin.com/TOS.
7Learn how we collect and use your information by visiting our Privacy Policy.
1Disclaimer: Restrictions and/or third party fees may apply, see
earnin.com/privacyandterms for more details. Lightning Speed may not be
available to all Community Members. Cash Outs may take up to thirty minutes,
actual transfer speeds will depend on your bank connection.
2Disclaimer: Lightning Speed may not be available to all Community Members. Cash
Outs may take up to thirty minutes, actual transfer speeds will depend on your
bank connection. Restrictions and/or third party fees may apply, see
earnin.com/privacyandterms for details
3Disclaimer: Community Member must have had at least 1 successful debit with
EarnIn. Limit to 1 Max Boost per pay period. A boost will not adjust a Community
member's daily max. Restrictions may apply, see earnin.com/privacyandterms for
more details
*Disclaimer: Balance Shield Cash Out is subject to your available earnings and
daily pay period max. Other restrictions and/or third party fees may apply. For
more information visit earnin.com/privacyandterms
1Restrictions may apply, see earnin.com/privacyandterms for more details. Tip
Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC
insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0
monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings
Accounts. For more information/details visit earnin.com/privacyandterms
2Disclaimer: NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or
older and a legal resident of the U.S. or DC. Games begin each Sunday starting
12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the
last Game ending 12/19/21. To download the App, view the Official Rules, odds
disclosures, prize details, and alternate means of entry, visit
https://www.Earnin.com/wewin/game-rules/. Void where prohibited. $10,000,000
grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin),
200 Portage Ave, Palo Alto, CA 94306.
3Disclaimer: Restrictions Apply. See Earnin.com/wewin/pool-rules/ for more
information
1EarnIn does not charge a hidden or mandatory fee for use of its services.
Restrictions and/or third party fees may apply. For more info: visit
earnin.com/TOS.
*Survey conducted in February 2020 with 889 participants.
1. Disclaimer: Subject to your available earnings and daily pay period max.
Restrictions and/or third party fees may apply, see earnin.com/TOS for more
details.
2. Disclaimer: Earnin does not charge hidden fees for use of its services.
Restrictions and/or third party fees may apply, see earnin.com/TOS for more
details.
3. Disclaimer: Fees may apply to use Lightning Speed. Lightning Speed may not be
available to all Community Members. Cash Outs may take up to thirty minutes,
actual transfer speeds will depend on your bank connection. Restrictions and/or
third party fees may apply, see earnin.com/TOS for more details.
4. Disclaimer: Community Member must have had at least 1 successful debit with
Earnin. Limit to 1 Max Boost per pay period. A boost will not adjust a Community
member's daily max. Restrictions may apply, see earnin.com/TOS for more details.
*Disclaimer: Balance Shield Cash Out is subject to your available earnings and
daily pay period max. Other restrictions and/or third party fees may apply. For
more information visit earnin.com/tos
* Earnin does not charge hidden fees for use of its services. Restrictions
and/or third-party fees may apply. For more info, visit earnin.com/TOS.
1EarnIn is a financial technology company, not a bank. The Deposit Account,
Secured Account, and EarnIn Card are issued by Evolve Bank & Trust, Member FDIC.
The EarnIn Card is issued pursuant to a license from Visa USA Inc.
2Subject to your available earnings, Daily Max and Pay Period Max. Restrictions
and/or third party fees may apply, see EarnIn.com/TOS for details.
3Internal analysis conducted by EarnIn in January 2021, represents total users
who Cashed Out at least once from January 1 to December 31, 2020
4This research was conducted online by FTI Consulting’s Digital & Insights team,
on behalf of Brigit, MoneyLion & EarnIn. FTI Consulting researched n=4,735 of
Brigit, MoneyLion and EarnIn’s Direct to Consumer (D2C) Early Wage Access
service consumers between the dates of April 21st, 2021 – May 18th, 2021, and
results were weighted in equal proportions to ensure equal representation among
the consumers of each participating company. Due to the standard convention of
rounding, some totals may not add up to 100%
5Internal survey conducted in February 2020 with 889 participants.
6EarnIn does not charge hidden or mandatory fees for use of its services.
Restrictions and/or third party fees may apply. For more info visit
earnin.com/TOS
7$4.68 ATM fee = $3.02 ATM + $1.66 bank fee
https://www.bankrate.com/banking/checking/checking-account-survey/
8Internal data June 2022- Dec. 2022.
* EarnIn does not charge hidden fees for use of its services. Restrictions
and/or third-party fees may apply. For more info, visit earnin.com/TOS.
1Calculated on the VantageScore® 3.0 model. Your VantageScore 3.0 from Experian®
indicates your credit risk level and is not used by all lenders, so don't be
surprised if your lender uses a score that's different from your VantageScore
3.0. Learn more:
https://www.experian.com/assets/consumer-information/product-sheets/vantagescore-3.pdf
2Subject to your available earnings, Daily Max and Pay Period Max. Restrictions
and/or third party fees may apply, see EarnIn.com/TOS for details
3Actual response times vary
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GET THE MONEY
YOU'VE ALREADY EARNED BEFORE PAYDAY.
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