EarnIn Referral Bonus Terms

These 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 Terms of Service and Tip Yourself Terms and Conditions (collectively, the “Terms”). By participating in the Referral Program, you agree to be bound by these Referral Terms, which may be updated from time to time.

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*;
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 the Referral Program Works

You can refer friends through the EarnIn app by navigating to the "Refer a Friend" section via the homepage or Settings. 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, 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.

3. Referral Bonus Structure

a. Referrer Bonus

You will receive a $50 Tip Yourself deposit when your referred friend:

Signs up using your unique referral link or code;
Completes EarnIn account setup;
Completes their first successful transfer; and
Sets up and activates a Tip Yourself account.

b. Friend’s Bonus

Your referred friend will receive a $10 Tip Yourself deposit once they:

Use your referral code or link to sign up;
Complete their first transfer; and
Set up a Tip Yourself account.

4. Reward Limitations and Tax Disclosure

EarnIn imposes a maximum annual bonus cap of $600 on total referral rewards you can receive in a calendar year. Partial bonuses may be awarded 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 the referral.
Referral bonuses may be subject to tax reporting. If you earn $600 or more in referral rewards or other EarnIn promotions in a calendar year, you may be issued a Form 1099-MISC. Please consult your tax advisor for implications.

5. 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 have reached your maximum reward limit of $600 in a 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 EarnIn Terms of Service, including the provisions related to 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 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.