Reimagining the way money moves

As one of the first pioneers of Earned Wage Access, our mission at EarnIn is to reimagine the way money moves to empower every person’s potential.

We’re building a first-of-its-kind hub of financial¹ life powered by streamed access to earnings, which allows our community members to spend and save on their own terms.²

Our impact

$400

About 50% of EarnIn customers can now afford a $400 emergency when previously they could not.³

82%

82% of Earned Wage Access customers feel less stressed about their financial situations.⁴

75%

75% of EarnIn customers reported an increase in work attendance due to less unplanned absences.⁵

Source: Internal EarnIn analysis, January 2021

We are advocates of Earned Wage Access (EWA)

We advocate for EWA because we believe people should have access to their pay as they earn it — no matter the size of the company. We are committed to working constructively with state and federal regulators and believe new regulations should:

Bring clarity to the EWA space

Protect consumers’ interests

Ensure all EWA providers play by the same rules

Serve companies both large and small

Access when members need it most

EarnIn helps members have more financial peace of mind by giving them control of their money starting from when they earn it.

What people use EarnIn for

Gas 50 percent

Gas50 percent

Groceries
or Food 75 percent

Groceries or Food75 percent

Avoiding
Overdrafts 41 percent

Avoiding Overdrafts41 percent

Utility Bills 45 percent

Emergency 30 percent

Rent 36 percent

20%

40%

60%

80%

100%

Source: Internal analysis conducted by Earnin in January 2021, represents total users who Cashed Out at least once from January 1 to December 31, 2020

EarnIn all across America

App openings today

Average daily opens as of Dec 2022

We don’t charge mandatory fees - period⁶

Instead, members can use our products free of charge and tip what they want. Tipping is entirely voluntary — it’s just an option for members who want to show their support.

Even if Community Members never tip, it will never impact their access to earnings.

The average tip is less than an out-of-network ATM fee.⁷

57% of earnings transferred out included a tip, 43% did not.⁸

It’s that little bit of nudge that I may need

"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

My bills were on time

"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's there for the unexpected

"“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

Spin the wheel, hit the button, and the money's there!

"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

EarnIn is looking out for you

"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

EWA boosts financial resilience.

EarnIn partnered with FTI Consulting in a study on the impact of on-demand pay. We found that immediate access to earned wages frees people from making crippling financial decisions and helps families escape debt.

View our Infographic to learn more.

Tackling financial obstacles, financial ethics, and more

Our community is stronger together.

See how EarnIn is partnering with our members and the community at large to create change.

View our COVID-19 study project here.

Have questions?

Contact our policy team at policy@earnin.com

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.

* 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.