What Banks Work With Earnin

What Banks Work with EarnIn? (Full Compatibility List)

⚡ Earnin works with many banks including Chase Bank, Wells Fargo, USAA, and Bank of America. However, there are some banks and pay cards that Earnin doesn't support, like ACE Elite Prepaid Account and Albert. The list of supported banks is always growing, so it's best to check with Earnin for the most current information.

Are you struggling to find out which banks are compatible with your Earnin app? I understand the confusion, as I’ve been there too. After extensive research, it turns out Earnin works hand in hand with many reliable and prominent American banks, including Bank of America, Chase, and Citibank – just to mention a few.

In this article, we’ll dive deep into exploring all the banks that work seamlessly with Earnin and how you can link them for smoother financial transactions. Your financial freedom starts here!

📢 Key Takeaways
Short on time? Here’s what you need to understand from this article:

The Connection Between Banks and Earnin

The Connection Between Banks And Earnin

Firstly, it’s essential to understand that Earnin and banks operate in symbiosis for the smooth running of financial services. Essentially, your bank account is linked directly with the Earnin app.

Upon verification of employment status and income details, users can gain access to portions of their paycheck prior to payday – an excellent tool for managing unexpected expenses or preventing overdraft fees.

To ensure a secure connection between Earnin and popular banks such as Bank of America, Chase, Citibank, and others; Plaid platform is employed. This efficient medium aids in safely linking user accounts from diverse financial institutions with Earnin.

Notably, it also grants permission for automated deduction from your checking account when you cash out via the Cash Out feature on payday – keeping everything seamless and worry-free.

Does EarnIn Use Plaid to Connect Bank Accounts?

Yes, Earnin uses Plaid to connect to bank accounts. When you choose to connect your financial accounts to an app using Plaid, you will be prompted to enter the username and password associated with those accounts.

Plaid is a company that provides a software platform to connect different financial accounts and services. Plaid’s platform allows developers to connect with users’ bank accounts, credit cards, and other financial accounts to access financial data, initiate payments, and provide various financial services.

List of Banks Compatible with Earnin

We all know that Earnin partners with many banks to provide seamless services to its users. Let’s dive into the list of some banks known to have compatibility with Earnin.

  1. Bank of America
  2. Capital One
  3. Chase
  4. Wells Fargo
  5. PNC Bank
  6. Navy Federal Credit Union
  7. USAA
  8. TD Bank
  9. BB&T
  10. SunTrust
  11. HSBC
  12. Citibank
  13. Woodforest National Bank
  14. Fifth Third Bank
  15. KeyBank
  16. Regions Bank
  17. M&T Bank
  18. Huntington Bank
  19. First National Bank
  20. First Commonwealth Bank
  21. First Horizon Bank
  22. First National Bank of Pennsylvania
  23. First National Bank Texas
  24. First National Bank of Omaha
  25. First National Bank of Illinois
  26. First National Bank of Michigan
  27. First National Bank of South Dakota
  28. First National Bank of Northfield
  29. BBVA Compass
  30. JP Morgan
  31. Simple

This is not an exhaustive list, but since EarnIn uses Plaid to connect to your bank, you can check your own bank compatibility by using the Plaid demo here. Click launch demo, then continue and search for your bank to see if it’s available.

To integrate your bank account with Earnin, you will have to follow a few simple and straightforward steps:

  1. Download and install the Earnin app from either the Google Play Store or Apple App Store, depending on your smartphone’s operating system.
  2. Once installed, open the app and complete the signup process by providing the necessary details like your email address and phone number.
  3. In the next step, you will be asked to link your bank account under the ‘Add Bank Account’ option. Click on it to proceed further.
  4. Use Plaid, a secure platform that Earnin uses to connect with financial institutions, to search for your bank. Banks compatible with Earnin include popular names like Bank of America, Chase, Citibank, Wells Fargo among others.
  5. After selecting your bank from the list provided in Plaid platform, authenticate your banking credentials – typically this will be your online banking username and password.
  6. Allow Earnin to access your bank transaction data for verification purposes ensuring compliance with their data security measures and two-factor authentication.
  7. Once authenticated successfully, you’ll be redirected back to Earnin where you can finalize linking by authorizing direct deposit routing information.

Does Earnin Work with Digital Banks and Payment Platforms?

Does Earnin Work With Digital Banks And Payment Platforms?

Earnin is compatible with digital banks and payment platforms such as Cash App and PayPal, allowing users to access cash advances and manage their finances seamlessly.

Compatibility with Cash App

Earnin is fully compatible with Cash App, providing users with a seamless way to access their earnings and transfer funds between the two apps. By linking your Earnin account to Cash App, you can instantly receive cash advances and easily manage your finances.

To get started, simply download and install the Earnin app, complete the signup process, and request the Earnin debit card. If you don’t have a traditional bank account, you can set up a Chime online account as a bridge between Earnin and Cash App.

Transferring funds between Earnin and Cash App is quick and convenient, allowing you to take control of your financial needs effortlessly.

Compatibility with Paypal

Earnin does not work with digital banks and payment platforms like PayPal. However, it is compatible with traditional banks such as Bank of America, Chase, Citibank, and Wells Fargo. This means that if you have a bank account with one of these institutions, you can easily link your account to Earnin and enjoy the benefits of accessing cash advances when you need them.

By connecting your bank account to Earnin, you can conveniently manage your finances and have instant access to funds without relying on payday loans or overdraft fees.

Other Cash Advance Apps

In addition to Earnin, there are several other cash advance apps that are compatible with banks such as Albert, Chime, Dave, and MoneyLion.


I have found that MoneyLion is one of the cash advance apps compatible with Cash App, Earnin, and other similar services. Through MoneyLion, users can link their bank accounts or debit cards to borrow money before their paycheck arrives.

This allows for greater flexibility in managing financial emergencies without the need for traditional payday loans or high-interest credit cards. It’s important to note that there may be subscription fees and tips required to use these services.

Overall, MoneyLion provides a convenient and accessible option for individuals looking to access funds quickly and responsibly.


I love using Dave as a cash advance app because it’s compatible with other popular apps like Albert, Chime, and MoneyLion. With Dave, I can link my account to Cash App and easily transfer funds between the two for quick access to my earnings.

To get started, all I need to do is download the Dave app, sign up, and select Cash App from the available options in my account settings. It’s important to note that I’ll need to have a verified bank account or debit card to link with Cash App and receive cash advances.

Prepaid or cash card accounts may not be compatible, so it’s best to check beforehand. Overall, linking Dave with Cash App has been a game-changer for me in terms of accessing cash when I need it and managing my finances more efficiently.


Albert is another cash advance app that works seamlessly with Cash App, Earnin, Dave, and MoneyLion. It offers unique features and loan options to help users manage their finances more effectively.

By linking your Albert account with Cash App, you can access instant cash advances and enjoy improved financial management. Traditional bank accounts can easily be linked to Albert through Cash App by selecting “Bank Account” as the payment method and entering your account number and routing number.

However, it’s important to note that prepaid or cash card accounts may not be compatible with Albert and Cash App. With its user-friendly interface and convenient loan options, Albert is a trusted choice for those seeking quick access to funds when they need it most.

Benefits of Using Earnin with Your Bank Account

Benefits Of Using Earnin With Your Bank Account

Using Earnin with your bank account offers several benefits. You can have instant access to funds whenever you need them, allowing you to cover unexpected expenses or emergencies without relying on high-interest payday loans or overdraft fees.

It also helps improve your financial management by providing a flexible way to transfer funds and avoid unnecessary fees. With Earnin, you have the freedom to take control of your finances and make smarter financial decisions.

Instant Access to Funds

When it comes to accessing funds quickly and conveniently, Earnin has you covered. With their innovative service, users can enjoy instant access to the money they’ve earned without having to wait for payday.

Whether you need cash for a financial emergency or simply want to stay on top of your bills, Earnin provides a seamless solution. By linking your bank account with Earnin, you can easily transfer funds directly into your existing account in minutes.

This means no more waiting in long lines at the bank or dealing with unnecessary fees and paperwork. It’s as simple as a few taps on your smartphone and the money is there when you need it most.

Improved Financial Management

Using Earnin with your bank account can greatly improve your financial management. With the ability to access up to $100 of earned wages per day and up to $500 per pay period, you have greater control over your finances.

Unlike traditional banking services, Earnin does not charge any interest or fees for their service. Instead, users have the option to provide a tip with each withdrawal. This means that you can conveniently access your funds without worrying about additional costs.

By seamlessly connecting your existing bank account to Earnin, you can easily track and manage your income, expenses, and savings all in one place. Plus, with quick access to your earnings in under 30 minutes through their Cash Out feature, you’ll always be prepared for any financial needs that may arise.

Flexibility in Transferring Funds

With Earnin, you have the flexibility to transfer funds directly to your existing bank account, allowing for convenient access to your earned wages. Whether you need to cover unexpected expenses or simply want some extra cash on hand, Earnin makes it easy to withdraw up to $100 per day and up to $500 per pay period.

The best part? There are no fees or interest charges involved when transferring funds with Earnin, making it a cost-effective option compared to traditional banking methods. Plus, with Earnin’s Cash Out feature, you can receive your unpaid wages in under 30 minutes.

So whether you need cash for debit card swipes, ATM withdrawals, bill payments, or anything else – Earnin has got you covered!

How Much Can You Borrow From Earnin When Connected to Your Bank?

When connected to your bank, Earnin allows you to borrow the following amounts:

– Up to $100 of earned wages per day

– Up to $500 per pay period

Please note that these borrowing limits are subject to verification and may vary based on factors such as your income, employment history, and other eligibility criteria. It’s important to keep in mind that while Earnin provides access to your earned wages before your payday, it is not a long-term solution for financial emergencies.

Linking your bank account with Earnin is a simple process that requires a few key requirements. To get started, you need:

  • A steady paycheck: Earnin requires users to have a consistent income source, such as regular paychecks from employment.
  • A checking account: You must have an active checking account in order to link it with Earnin. This is where your earnings will be deposited and from which repayments will be deducted.
  • A smartphone: Earnin is available as a mobile app on both the Google Play Store and Apple App Store. You’ll need a compatible smartphone to download and use the app.
  • Personal information: During the signup process, you’ll be asked to provide some personal details, such as your name, phone number, work email (if applicable), and address. This information is used to verify your identity and eligibility for Earnin’s services.
  • Proof of active employment: Earnin may require you to provide proof of employment or an electronic timesheet to confirm that you are actively employed and receiving regular paychecks.
  • Connection to a supported financial institution: Earnin works with various banks including Bank of America, Chase, Citibank, Wells Fargo, and more. Make sure your bank is compatible with Earnin before attempting to link your account.

Our Takeaway

In conclusion, Earnin works with a wide range of banks including Bank of America, Chase, Citibank, and Wells Fargo, among others. This compatibility allows users to easily link their bank accounts to Earnin and access cash advances when they need them most.

With the added ability to connect with Cash App, this financial tool provides convenience and flexibility for those seeking quick access to funds without high fees or interest charges.

Article Sources & Helpful Links

Here are some helpful links that may help you learn more:

  1. Supported Banks by Earnin: A list of banks that are compatible with Earnin.
  2. Earnin on Apple App Store: Download Earnin from the Apple App Store.
  3. Earnin on Google Play Store: Download Earnin from the Google Play Store.
  4. Consumer Finance on Earnin: An article from Consumer Finance about Earnin and similar apps.
  5. FTC on Payday Loans: An article from the Federal Trade Commission about payday loans, which are similar to the service provided by Earnin.

What Banks Work with Earnin (FAQs)

What banks work with Earnin?

Earnin works with most banks. Some of the popular banks that work with Earnin include Bancorp Bank and Stride Bank.

Are there apps like Earnin that offer cash advances?

Yes, there are several apps like Earnin that offer cash advances. Some popular options include Moneylion and Brigit.

How long does it take to get money from Earnin?

Earnin offers a cash out feature that allows you to access your money within minutes. However, the exact time it takes to receive the money can depend on your bank and other factors.

How do apps like Earnin work?

Apps like Earnin are designed to provide early access to your paycheck. They connect to your banking and payroll information to determine your upcoming paycheck amount. You can then request a portion of that amount in advance.

Can I get an advance if I have bad credit?

Yes, apps like Earnin and other cash advance apps typically don’t perform a credit check. Therefore, even if you have bad credit, you may still qualify for an advance as long as you have qualifying direct deposits.

Are there any fees associated with apps like Earnin?

Most apps like Earnin provide a no-interest cash advance. However, some apps may charge fees for additional features or services. It’s important to read the terms and conditions of each app to understand any associated fees.

What is the maximum amount I can borrow using apps like Earnin?

The maximum loan amount will vary depending on the specific app. However, most apps have a limit of $100 per day.

Can I use apps like Earnin if I don’t have a savings account?

Yes, the requirement for a savings account may vary depending on the app. Some apps may allow you to link a checking account instead of a savings account.

How do I repay the advance I received from apps like Earnin?

The advance is typically automatically deducted from your next paycheck. Apps like Earnin connect to your payroll information to ensure repayment from your next direct deposit.

Are there any alternatives to apps like Earnin for cash advances?

Yes, in addition to apps like Earnin, there are other cash advance apps available. Some popular alternatives include Moneylion, Brigit, and Dave.

James Allen, a finance enthusiast with 10+ years of experience, founded Billpin in 2020 to demystify personal finance. Inspired by his mother’s frugality and his own financial expertise, James aims to transform people’s relationship with money. Through this site, he provides easy-to-understand guides, empowering individuals to manage their finances effectively and take control of their financial future.

Content Disclaimer: Opinions expressed here are the authors alone, not those of any companies mentioned, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

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