“Lightning Speed” is a fee for optional expedited transfer services. Depending on the product, this fee is charged by either EarnIn or by its banking partner, Evolve Bank & Trust or Lead Bank. Fees marked with a [*] are charged by EarnIn, while those marked with a [^] are charged by our banking partner. See details below.
“Transfer out” and “Cash Out” are terms used interchangeably within our platform. Both refer to the process of transferring earned income to your linked bank account.
Please check EarnIn’s website regularly for the most current version of this fee schedule. This version was last updated on April 23, 2025.
| Cash Out | Balance Shield | Cash Out (for Deposit Account Customers) | Transfers (for EarnIn Card Customers) | Early Pay | |||
|---|---|---|---|---|---|---|---|
| With Qualifying Direct Deposit1 to the Deposit Account | Without a Qualifying Direct Deposit1 to the Deposit Account2 | With Qualifying Direct Deposit1 to the Deposit Account | Without Qualifying Direct Deposit1 to the Deposit Account | ||||
| Lightning Speed Fee | $3.99 (Cash Outs of $100 or less)* $5.99 (Cash Outs greater than $100)* | $3.99 (Cash Outs of $100 or less)* | $2.99 (earnings transfers of $100 or less)* $5.99 (earnings transfers greater than $100)* | $3.99 (earnings transfers of $100 or less)* $5.99 (earnings transfers greater than $100)* | $2.99 (cash transfers)^ $2.99 (transfers of earnings + cash)^ $2.99 (earnings transfers of $100 or less)* $5.99 (earnings transfers greater than $100)* | $5.99 (cash transfers)^ $2.99 (transfers of earnings + cash)^ $2.99 (earnings transfers of $100 or less)* $5.99 (earnings transfers greater than $100)* | $2.99^ |
| Standard Speed transfer (1-2 business days) | $0 | $0 | $0 | $0 | $0 | ||