What Companies Does Earnin Work With?
Curious if Earnin works with your company? Learn how eligibility is determined by your pay structure and individual qualifications, not specific employer partnerships.
Earnin is a mobile application designed to provide users with early access to their earned wages before their scheduled payday. Many individuals wonder which companies Earnin “works with” when considering using the service. This article clarifies how Earnin determines eligibility related to employment, helping users understand if their specific work situation aligns with the app’s requirements.
How Earnin Determines Company Compatibility
Earnin does not maintain a traditional list of “partner” companies in the sense of direct corporate integrations or agreements. Instead, Earnin’s compatibility hinges on how an employer processes payroll and delivers wages to its employees. The service primarily verifies employment and earned income through secure connections to a user’s bank account. This allows Earnin to analyze transaction data for consistent direct deposits.
The system relies on recognizing regular paychecks from an employer, which means a consistent pay schedule, such as weekly, bi-weekly, semi-monthly, or monthly, is expected. Earnin uses this bank transaction history to confirm that a user is actively employed and receiving wages regularly. Earnin does not integrate directly with an employer’s human resources or payroll systems to track hours or verify employment. However, it may offer alternative verification methods like GPS tracking for those with a fixed work location or an employer-provided email address.
General Eligibility Requirements
Beyond the employer’s payroll system, individuals must meet several criteria to be eligible for Earnin. Users need to be actively employed and receive consistent direct deposits from their employer into a checking account. Earnin is not compatible with prepaid cards or savings accounts for receiving funds. Individuals must also be at least 18 years old and reside in the United States, including its territories. A valid U.S. cell phone number is also necessary for account setup and verification.
Earnin requires a minimum net income of $320 per pay period. Income from sources like Supplemental Security Income (SSI), disability pay, unemployment benefits, or veteran’s benefits is not compatible with Earnin.
Connecting Your Payroll and Bank Accounts
To begin using Earnin, the first step involves downloading the Earnin application onto a smartphone. After installing the app, users will proceed to create an account. This setup process includes linking their primary checking account where they receive direct deposits from their employer.
The application utilizes secure data-sharing platforms to establish this connection with the user’s bank. Once the bank account is linked, users provide employment details, such as their employer’s name and their specific pay schedule. Earnin then verifies employment and pay information through the data accessed from the linked bank account. This verification process is automated.