How EarnIn's Early Pay gives workers more financial flexibility

Many workers face a frustrating reality: bills don't wait for payday. When rent, gas or groceries are due before a paycheck arrives, the gap can create unnecessary financial stress.

The story: For Imani Brown, a college student and assistant manager in Raleigh, NC, that gap was all too real. Moving from California to attend an HBCU was both exciting and challenging — especially when balancing school, work and financial obligations.

• Inspired by her mother, a dedicated social worker and teacher, Brown pursued a career in social work.
• However, unpredictable pay schedules made managing expenses difficult, often leading to financial binds when bills were due before payday.

The solution: EarnIn, a financial technology company that helps workers access their earnings before payday, provides a flexible way to get paid sooner with its Early Pay* feature.

• The company allows customers to access their money as soon as their employer sends the payroll file — offering paychecks up to 2 days earlier.
• Brown discovered EarnIn after seeing an ad on TikTok. Within a few pay cycles, she realized it was exactly what she needed to stay ahead of her bills without stress.

"Unlike my bank, which doesn't offer early paycheck access," says Brown. "EarnIn bridges the gap seamlessly and ensures I never fall behind on essentials like gas or other everyday needs."

How it's done: Early Pay is designed to be seamless…

• Direct deposit setup: Customers open a deposit account through EarnIn's partner bank ("Deposit Account"), Evolve Bank & Trust ("Evolve"), and update their direct deposit information with their employer to direct their paycheck to their Deposit Account.
• Fast access to pay: Once payroll is processed, EarnIn makes the funds available in the customers' existing checking account linked to their EarnIn account ("Linked Account") up to two days early for a flat fee of $2.99 (paid to Evolve) per paycheck.
• Seamless integration: EarnIn connects the Deposit Account directly to the customer's Linked Account, ensuring paychecks can be transferred into the customer's existing bank account, meaning they can keep their existing banking relationships while gaining early access to their earnings.

Even better: EarnIn offers more than just early access to pay. It provides financial tools to help customers manage their overall financial health, including:

• Credit monitoring: Customers can track their credit score and identify linked accounts they may not have been aware of. For Brown, this was an unexpected but valuable benefit that empowered her to take steps toward building better credit.
• Cash Out: Allows customers to access up to $150 per day, with a maximum of $750 per pay period, without interest or mandatory fees.**
• Balance Shield: Helps avoid overdrafts and late fees with custom alerts and optional automatic pay transfers if a customer's bank balance falls below the level they set.***

• Tip Yourself: Encourages saving by allowing customers to set aside small amounts of money into a separate, no-fee FDIC-insured account.****

What's in it for you: Cash flow timing can make or break financial stability for college students, young professionals and hourly workers.

• EarnIn helps customers avoid costly overdraft fees, payday loans and unnecessary financial stress.
• With access to earned income before payday, customers can cover their obligations, stay ahead of expenses, and focus on their future.

The impact: For Brown, EarnIn has been life-changing. Knowing she has a reliable and affordable way to access her income has allowed her to focus on her education and career without financial distractions.

• She's seen such a positive impact that she now recommends EarnIn to her family.

The takeaway: "EarnIn has been a lifeline," says Brown. "It allows me to focus on my goals, knowing I have a reliable and affordable way to access my income when I need it most."

Learn more.

* Fees and restrictions apply. Visit EarnIn.com for full details.

** EarnIn is not a bank. Access limits are based on the customer's earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details.

***Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn't prevent them. Visit EarnIn.com for full details.

**** Tip Yourself accounts are held by Evolve Bank & Trust, 0% APY, no monthly fees. Terms apply. Visit EarnIn.com for full details.