EarnIn Transforms Pay Access with Early Pay, Empowering Customers to Access Paychecks Up to Two Days Early -- No Matter Where They Bank

PALO ALTO, Calif., March 18, 2025 /PRNewswire/ -- EarnIn, a leader in Earned Wage Access (EWA) and on-demand pay, today announced the nationwide launch of Early Pay¹, a new product that allows customers to access their paycheck up to two days early, regardless of where they bank. Early Pay enhances access to earnings, helping customers better manage their pay schedule on their terms. Unlike many traditional bank offerings, Early Pay allows users to keep their existing banking relationships while gaining access to their earnings on their own terms.

"I transferred from UCSB to an HBCU in Raleigh to find a school community that truly felt like home. The move came with its challenges, especially balancing a new job while trying to pay rent on time—sometimes my rent is due before I get paid, which made things stressful since my bank didn't offer early paycheck access," said Imani Brown, a college student and Early Pay customer with EarnIn. "That's when I discovered Early Pay through EarnIn. It's been a lifesaver, letting me access my pay early when I need it for rent, or other essentials, like gas."

Early Pay from EarnIn gets customers their paychecks up to 2 days early in their existing bank. They simply download the EarnIn app, add their info to create a deposit account with EarnIn's partner bank, update their direct deposit through their payroll, and opt in to Early Pay on the app. After one or two pay cycles, paychecks start fast-tracking into their primary bank account, allowing them to keep their current banking apps and automatic bill pays, while helping to avoid late fees and planning ahead better for any expenditures or financial goals. Early Pay costs just $2.99/paycheck and can easily be turned on or off any time, making it a great way to handle emergency expenses, time-sensitive purchases, or to simply plan ahead better with more control over your cash flow.

"In today's world, it shouldn't take days for money to get from an employer to an employee's bank account," said Ram Palaniappan, CEO and Founder of EarnIn. "We created Early Pay to fix that—to give people faster access to their paychecks so they can manage their money on their own terms, not their bank's schedule."

About EarnIn
EarnIn lets you access a portion of your earnings as you earn it — not days or weeks later.

We're on a mission to reimagine the way money moves to empower every person's potential. That starts with payday every day and builds with automated savings tools, credit monitoring, and low-balance alert features. So our customers have as many opportunities as possible to spend and save on their terms.

EarnIn's pioneering Earned Wage Access app is backed by world-class partners like A16Z, Matrix Partners, and DST. Since our founding in 2013, 3.8 million customers have given it over 380,000 5-star reviews for helping them access over $15 billion in earnings.

Learn more at EarnIn.com.

EarnIn is a financial technology company not a bank. Banking Services are provided by Evolve Bank & Trust, Member FDIC. The FDIC provides deposit insurance to protect your money in the event of a bank failure. More details about deposit insurance here.

1 Early Pay is an optional feature that requires you to (i) open a Deposit Account with Evolve Bank & Trust, Member FDIC (the FDIC provides deposit insurance to protect your money in the event of a bank failure. More details about deposit insurance here), and (ii)  update your direct deposit routing with your employer. This Deposit Account will receive your paycheck and will redirect it to the bank account you link to your EarnIn account. EarnIn will set aside the necessary funds from your paycheck to cover any tips, Lightning Speed fees, and Cash-Out balances from the previous pay period. Any remaining funds will be sent to your linked bank account. If you opt for Lightning Speed transfers, Evolve Bank & Trust will charge you a $2.99 fee to transfer your paycheck to your linked bank account on the same day your employer processes payroll, which may be up to 2 days before your scheduled payday. If you do not opt for Lightning Speed transfers, Evolve Bank & Trust will automatically transfer your paycheck to your linked bank account for free, by your regular payday.  Early Pay is available to eligible EarnIn members in select states, and additional restrictions may apply. For more information, please refer to our FAQ.

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SOURCE EarnIn