Partnership for Employers | Earnin

Financial Wellness through
Earned Wage Access (EWA)

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Earnin is a comprehensive financial wellness platform that helps people take control of their money, starting from when they earn it.

For employers, Earnin offers a secure, zero-cost and zero-integration program that allows employees access to their paycheck ahead of payday quickly and easily - with no mandatory fees for the employer or employee.

INCREASE
RETENTION

Say Earnin has increased their motivation at work knowing they can get paid before payday*

INCREASE
ATTENDANCE

Say Earnin has helped reduce unplanned absences*

INCREASE
FOCUS

Say Earnin has helped pay bills on time and reduce financial stress*

CAN BUDGET BETTER

and more effectively with Earnin.

Source: Internal Earnin analysis, January 2021

CAN NOW PAY BILLS

on time with help from Earnin.

Source: Internal Earnin analysis, January 2021

CAN COVER AN EMERGENCY

of $400 since using Earnin.

Source: Internal Earnin analysis, January 2021

The Problem

Most people get paid every 2-4 weeks, but bills and expenses don’t wait for payday. This mismatch between financial obligations and pay cycles creates a “liquidity gap” for millions of working Americans. This reality means that when workers do not have access to earnings, they are forced to turn to payday loans and cash advances or pay high bank fees. In an era of on-demand services and technology, employee expectations have changed and they expect their pay to be available as they earn them.

The Solution

The solution is empowering workers to access their pay without the traditional 2-4 week wait. Earned Wage Access (EWA) solves this problem by freeing workers from employers’ payment cycles, giving workers access to their money right after they have worked. Adding EWA to financial wellness offerings enhances the overall employee experience, increasing retention and enhancing recruiting efforts.

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Book a Demo
for Your Company

Learn how you can make EWA part of your competitive advantage today.

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Solving today’s paycheck challenge: how businesses can make a difference

Earnin is as easy for you as it is for your employees.

Earnin is a comprehensive financial wellness platform that aims to help people take control of their money, starting from when they earn it. Our solution helps improve retention and recruitment, provides a compelling, no cost financial wellness benefit, and empowers stronger financial futures for employees.

Community

Earnin’s proprietary, one-of-a-kind approach requires zero-integration. That means you can launch your financial wellness program in days vs months. Employers also benefit from:

  • Zero cost as Earnin is a voluntary benefit
  • Zero integration needed with an employers’ payroll/time and attendance
  • Zero effort from HRIS/IT resources
  • Zero change to existing business processes
  • Zero risk as Earnin funds 100% of the cash

Already used by employees in over 50,000 organizations across the US, from small businesses to Fortune 100 companies, Earnin has performed 130 million transactions and provided access to over $10 billion in earnings for its members.

Community

How Earnin Works

  1. number 1

    Employees download the app and add their employment info.

  2. number 2

    They can Cash Out up to $100/day and $750/pay period and can provide an optional tip.

  3. number 3

    Employees add their bank details and verify their earnings.

  4. number 4

    Employees will receive their Cash Out via direct deposit to their linked bank account.

  5. 5

    Earnin deducts the Cash Out amount (plus any tips) on or after the employee's scheduled payday.

  1. cash out app
  2. cashout slide bank selections page
  3. cash out app
  4. cash out app
  5. cash out app
cash out app
number 1

Employees download the app and add their employment info.

cashout slide bank selections page
number 2

They can Cash Out up to $100/day and $500/pay period and can provide an optional tip.

cash out app
number 3

Employees add their bank details and verify their earnings.

cash out app
number 4

Employees will receive their Cash Out via direct deposit to their linked bank account.

cash out app
number 5

Earnin deducts the Cash Out amount (plus any tips) on or after the employee's scheduled payday.

Good for employees:

Allows early access to earned wages when they need it

Helps avoid overdraft fees, late fees and resorting to expensive payday loans

Helps reduce stress caused by financial challenges which can impact their physical and mental health

Helps increase flexibility by giving works another option on when and how they receive pay

Great for businesses:

Can give employers a new benefit to help improve attendance and productivity

Can help companies employ HR strategies to differentiate during recruitment and retention processes

Can help improve worker engagement, which can improve productivity and build loyalty,

Can help improve your financial wellness offering

Join top companies that trust Earnin to empower stronger financial futures for their employees.

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Big Y logo

We had taken a look at several companies and Earnin was the only one that didn't require an integration with payroll or our scheduling system. Earnin was by far the easiest company to implement.

Deanna Keppel, Director of Support Services Assisting Hands

Superior Service and Support

Community

Turnkey Program

We provide everything you need to launch and promote your Earnin program - including customized marketing materials for your employee and internal communications channels.

Dedicated Support

Your dedicated partner success manager will help you measure the impact of your program and provide ongoing support for future promotions. All employee support is handled directly through Earnin - no additional support from your team needed.

Commitment to Privacy

Privacy and security are top priority. We securely connect to employee bank accounts and we never sell personal or employment information.⁷

Book a Demo
for Your Company

Learn how you can make EWA part of your competitive advantage today.

Form errors:

Required fields are indicated with a "*"

Message was sent. We will be in touch

The reason why I like Earnin so much is because they’re responsible to consumers. They’re really responsible in addition to meeting the [BBB’s] eight standards and operating in a transparent manner.

Steve McFarland, President and CEO of the Better Business Bureau of Los Angeles and Silicon Valley

Frequently Asked Questions

1Earnin 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.

2Disclaimer: 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.

3Source: Internal analysis conducted by Earnin on December 10, 2020.

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 thirdparty 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

*Survey conducted in February 2020 with 889 participants.

7Learn how we collect and use your information by visiting our Privacy Policy.

1. 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.

1. Disclaimer: 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/privacyandterms.
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