EarnIn Referral Bonus Terms

These EarnIn Referral Bonus Terms (“Referral Terms”) apply to your participation in the EarnIn Referral Program (“Referral Program”) and are in addition to any other agreements you may have with EarnIn, including EarnIn’s General Terms of Service, as well as the Tip Yourself Terms and Conditions you have with Evolve Bank & Trust (collectively, the “Terms”). By participating in the Referral Program, you agree to be bound by these Terms, which may be updated from time to time.

If you share a referral code or link with a friend, you are the “Referring Friend”.

If you sign up using a referral code or link from a friend, you are the “Referred Friend”.

1. Eligibility Requirements

To be eligible for participation in the Referral Program, you must:

Be at least 18 years of age;
Have an EarnIn account in good standing;
Open and maintain an active Tip Yourself (“TYS”) account; and
Not be an employee of EarnIn or any of its subsidiaries unless expressly permitted.

EarnIn reserves the right to determine eligibility in its sole discretion. If your account is restricted, suspended, or found to be in violation of any Terms, you may be disqualified from participation and forfeit any pending referral bonuses.

If you elect to open a banking product through any of our banking partners (i.e. Evolve Bank & Trust (“Evolve”) or Lead Bank (“Lead”)), additional eligibility criteria may apply, which will be disclosed to you prior to opening your applicable bank account.

2. How to Refer a Friend

You can refer friends through the EarnIn app by navigating to the "Refer a Friend" section via the homepage or Settings. Unless otherwise stated, your Referred Friend must be a new EarnIn customer*. You will be provided with a personalized referral link or code, which may be shared via text, email, or other messaging platforms.

By sharing a referral link or any other related communication, you confirm that:

You have obtained appropriate consent from the recipient to receive referral communications from you. Any personal information collected in connection with the Referral Program is used solely to operate and fulfill the program in accordance with this Referral Terms and EarnIn’s Privacy Policy;
You will not engage in spam or misuse of the referral system.
EarnIn may pre-fill messaging templates, but you are responsible for all messages you send.

*Important: You cannot refer a friend that is already an EarnIn customer. .

3. Referral Bonus Structure

a. Bonus for the Referring Friend

As the Referring Friend, you will receive a $50 Tip Yourself deposit when you fulfill the eligibility requirements of Section 1 and your Referred Friend:

Signs up using your unique referral link or code;
Completes EarnIn account setup; and
Completes their first Qualifying Action.

b. Bonus for the Referred Friend

As the Referred Friend, you will receive a $10 Tip Yourself deposit for each product you sign up for once you:

Use your referral code or link to sign up;
Complete EarnIn account setup;
Set up a Tip Yourself account; and
You complete a Qualifying Action

The above requirements must be completed within forty-five (45) days of activating the referral link; otherwise, the offer will become void.

c. Qualifying Actions

As the Referred Friend, you must complete one (1) or more of the following actions regarding the EarnIn Services:

Cash Out - you successfully complete your first transfer out.
Early Pay - you successfully provide a first Qualifying Direct Deposit of:

$250 per pay period if paid weekly,
$500 per pay period if paid bi-weekly, or
$1,000 per pay period if paid monthly.

“Qualifying Direct Deposit” - means payroll deposits made directly by your employer or other ACH deposits. Bank transfers and peer-to-peer transfers (e.g., Venmo) do not qualify.

d. Referring Friend Example

Example:

You see a referral promotion where the Referring Friend receives $50 for each Referred Friend and the Referred Friend receives $10 for each product the friend signs up for.

As the Referring Friend, if your friend signs up for both Cash Out and also Early Pay, you will receive a $50 bonus.
As the Referring Friend, if your friend only signs up for Cash Out or only signs up for Early Pay, in either case, you will receive a $50 bonus.

e. Referred Friend Example

You are eligible to receive a TYS deposit for each first Qualifying Action completed.

Example:

You see a referral promotion where the Referring Friend receives $50 for each Referred Friend and the Referred Friend receives $10 for each product the friend signs up for.

As the Referred Friend, if you sign up for Cash Out and also Early Pay, you will receive a $10 bonus for each product: $10 for Cash Out and $10 for Early Pay for a total of $20.
As the Referred Friend, if you only sign up for Cash Out, you will receive a $10 bonus.
As the Referred Friend, if you only sign up for Early Pay, you will receive a $10 bonus.

Note: If you are already an EarnIn customer, you are not eligible for a bonus under this program—even if you are new to one of the eligible products. Once you sign up via the link you will not receive additional bonuses for signing up for new products.

4. Reward Limitations and Tax Disclosure

The Referring Friend must open a TYS account within thirty (30) calendar days from the Referred Friend’s first Qualifying Action. Otherwise, the bonus will expire and be forfeited.
Referred Friend must open a TYS account within thirty (30) calendar days from the Qualifying Action. Otherwise, the bonus will expire and be forfeited.
Each referral link is active for thirty (30) days after it is sent by the Referring Friend. Once this period ends, the offer will no longer be valid for both the Referring Friend and the Referred Friend. However your friend can create and send a new referral link if the link expires.
Total referral rewards are capped at $600 per calendar year. Partial bonuses may be issued to ensure compliance with this limit.
Rewards count toward the maximum rewards for the calendar year in which you receive the reward and not when you made or received the referral.
Referral bonuses may be subject to tax reporting. If you earn $600 or more in referral or other EarnIn promotions (including third party marketplace offerings such as gaming rewards and cash back rewards) in a calendar year, you may be issued a Form 1099-MISC. Please consult your tax advisor.

5. Program Disqualification and Restrictions

You may be disqualified from receiving bonuses under the following circumstances:

Your account is closed, suspended, or in violation of the Terms;
Fraudulent activity, misrepresentation, or abuse of the referral system;
If your Referred Friend is not a new EarnIn customer (i.e., already has or had an EarnIn account);
You failed to complete the required actions within the allowed timeframes.
You have reached your maximum referral reward limit for the calendar year.

EarnIn reserves the right to withhold or revoke rewards, suspend your participation, or take legal action in response to abuse or violations.

6. Program Modification and Termination

EarnIn may modify, suspend, or terminate the Referral Program at any time, for any reason, with or without notice. Changes may include reward amounts, eligibility requirements, and program duration. All modifications are effective immediately and apply to current and future referrals.

7. No Employment Relationship

Participation in the Referral Program does not establish any agency, partnership, joint venture, or employment relationship between you and EarnIn.

8. Governing Law and Dispute Resolution

These Referral Bonus Terms are governed by the General Terms of Service, including the provisions related to Governing Law and Dispute Resolution by Binding Arbitration. Participation in this program constitutes agreement to resolve any disputes arising from the Referral Program through those binding provisions.

9. Banking Partner and Deposit Insurance

Referral rewards are deposited to your Tip Yourself account. Tip Yourself Account funds and Tip Jars are held with one of our bank partners; either 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 deposit account. For more information/details visit , Evolve Bank & Trust Customer Account Terms.

The FDIC provides deposit insurance to protect your money in the event of a bank failure. More details about deposit insurance here.

10. Need Help?

For additional questions, please visit the EarnIn Help Center or contact EarnIn Support directly.