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

Utility Bills 45 percent

Emergency 30 percent

Emergency 30 percent

Rent 36 percent

Rent 36 percent

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

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EarnIn all across America

App openings today

in New Mexico state in Nebraska state in Arizona state in Utah state in Nevada state in California state in Oregon state in Washington state in Idaho state in South Dakota state in North Dakota state in Minnesota state in Wisconsin state in Iowa state in Missouri state in Illinois state in Kansas state in Oklahoma state in Arkansas state in Alabama state in Georgia state in South Caroline state in Pennsylvania state in New York state in Maine state in Wyoming state in Montana state in Colorado state in Texas state in Los Angeles state in Virginia state in North Carolina state in Tennessee state in Kentucky state in Ohio state in Indiana state in Michigan state in New Hampshire state in Vermont state in Massachusetts state in Connecticut state in New Jersey state in Maryland state in Rhode Island state in Delaware state in West Virginia state in Mississippi state in Florida state in Alaska state

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

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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.

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