EarnIn
Activehours Inc.
About this app
- Category Finance
- Age 10
- Updated Aug 19, 2024
- OS IOS / Android
Editor reviews
**EarnIn: Access Your Pay Instantly**
EarnIn allows you to access your earnings before payday, giving you control over your money without the need for loans, interest, or credit checks. With EarnIn, you can tap into your earned wages whenever you need them, helping you cover day-to-day expenses, handle financial emergencies, or simply stay on top of your budget.
**Key Features:**
- **Instant Access to Your Earnings**: Withdraw up to $100 per day and up to $750 per pay period directly from your earned wages, with no interest or hidden fees.
- **Lightning Speed Transfers**: Get your money in minutes when you need it most with fast and secure transfers to your bank account.
- **Balance Shield**: Stay protected from overdrafts with Balance Shield alerts, notifying you when your bank balance is low.
- **Free Credit Score Monitoring**: Track your credit score directly within the app, receive alerts for any changes, and keep an eye on potential fraudulent activity.
- **No Loans or Interest**: Unlike payday loans or cash advances, EarnIn provides a smarter alternative by giving you access to your own money without borrowing, interest, or mandatory fees.
- **24/7 Support**: Access live chat support anytime, 24/7, to help with any questions or issues you may have.
EarnIn is a convenient and secure way to access your money when you need it, helping you manage your finances more effectively and avoid costly alternatives like payday loans. Whether it’s covering an unexpected expense or simply staying ahead of your bills, EarnIn puts you in control of your paycheck.
Screenshots
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How to use:
**EarnIn App User Guide**
Welcome to EarnIn, your go-to app for accessing your earned wages instantly. This guide will help you navigate the app and make the most of its features, ensuring you can manage your finances effectively and stay ahead of your expenses.
### 1. **Getting Started**
**Download and Install the App:**
- Visit the App Store or Google Play Store and search for "EarnIn."
- Download and install the app on your smartphone.
**Sign Up and Set Up Your Account:**
- Open the EarnIn app and sign up by entering your personal information.
- Connect your bank account by following the prompts. EarnIn works with most major U.S. banks, including Bank of America, Wells Fargo, Chase, and Capital One.
- Verify your employment by providing details about your employer and pay schedule.
### 2. **Accessing Your Pay**
**Using Cash Out:**
- On the home screen, tap on “Cash Out.”
- Enter the amount you wish to withdraw. You can access up to $100 per day and up to $750 per pay period, depending on your available earnings.
- Confirm your selection and choose whether to transfer the money instantly using Lightning Speed or through standard transfer (which may take up to a few business days).
- The funds will be deposited into your linked bank account.
**Repaying Your Cash Out:**
- The amount you withdraw will be automatically deducted from your next paycheck. There’s no need to worry about manually repaying the advance.
### 3. **Managing Your Finances**
**Set Up Balance Shield:**
- Enable Balance Shield in the app to receive alerts when your bank balance falls below a certain threshold.
- You can also set up automatic Balance Shield Cash Outs, which will transfer funds to your account to prevent overdrafts.
**Tip Yourself Feature:**
- Use the “Tip Yourself” feature to set aside money for savings. You can create Tip Jars for specific goals and transfer money into them from your paycheck.
**Monitor Your Credit Score:**
- Access free credit score tracking within the app. Tap on “Credit Monitoring” to view your current score and receive alerts if there are any changes.
### 4. **Using the App for Financial Health**
**Set Spending Alerts:**
- EarnIn allows you to set up alerts to help you stay on budget. You can track your spending and receive notifications if you’re nearing your set limits.
**Track Your Earnings and Cash Outs:**
- View your earnings history, Cash Out transactions, and upcoming payments in the app. This helps you keep track of your financial activities and plan accordingly.
### 5. **Getting Support**
**Access 24/7 Live Support:**
- If you have questions or need assistance, tap on “Support” in the app to access the live chat feature. The support team is available 24/7 to help with any issues.
**FAQ and Help Center:**
- Explore the Help Center within the app for answers to common questions and detailed guides on using different features.
### 6. **Security Features**
**Bank-Level Security:**
- EarnIn uses advanced security measures to protect your personal and financial information. Your data is encrypted and securely stored.
**Manage Notifications:**
- Customize your notifications to receive updates on your Cash Outs, Balance Shield alerts, and credit score changes.
### 7. **Closing Your Account**
**Deactivate Your Account:**
- If you wish to stop using EarnIn, you can deactivate your account through the app’s settings. Ensure that all outstanding balances are settled before closing your account.
With this guide, you’re ready to take full advantage of the EarnIn app, helping you manage your finances more effectively by accessing your pay when you need it, tracking your financial health, and staying in control of your budget.