To cancel EarnIn, the route depends on which product you have: Cash Out Link customers can close the account themselves through the app or a desktop browser, while anyone with an EarnIn Card (Early Pay or Live Pay) has to contact customer support because self-service closure is not available for deposit accounts.1EarnIn Help Center. How Do I Close My Account Either way, deleting the app does nothing. EarnIn puts closed accounts into a pending state that lasts up to 90 days, and your bank may still have standing permission to let EarnIn pull funds until you cancel it on your side too.
Identify Your EarnIn Product First
Cash Out Link is the version where you connect an existing bank account and take advances against an upcoming paycheck. The EarnIn Card with Early Pay or Live Pay is a separate product: a deposit account managed by Lead Bank with a debit card attached. The closure path is different for each.1EarnIn Help Center. How Do I Close My Account
One thing to know before you commit if you have the Card: closing an EarnIn deposit account makes you permanently ineligible to sign up for a deposit account or EarnIn Card again.1EarnIn Help Center. How Do I Close My Account Closing your EarnIn Central account also shuts down every EarnIn product you use in one move. You can’t cancel just one service and keep the others.
Handle These Before You Cancel
Pull Your Tip Yourself Savings Out
If you have money set aside in the Tip Yourself Jar, withdraw it before closing. EarnIn will prompt you in the app to move the balance to your linked bank, and the transfer takes one to two business days.2EarnIn Help Center. What Happens to My Tip Yourself When I Cancel My EarnIn Account If the linked checking account is already closed, contact support and ask for a paper check.
Money left in Tip Yourself doesn’t sit there forever. Under state unclaimed property laws, funds that go untouched can eventually be turned over to the government, generally after two to five years depending on the state.2EarnIn Help Center. What Happens to My Tip Yourself When I Cancel My EarnIn Account
Deal With Your Balance
You don’t need a zero balance to start the closure process. If pending debits haven’t been sent yet, EarnIn will let you cancel them during the flow, but doing so blocks you from using EarnIn or opening a new account until you repay the amount.1EarnIn Help Center. How Do I Close My Account
What happens after depends on the number:
- Zero balance: the account closes automatically after 90 days.
- Positive balance: EarnIn sends the funds to your linked bank account.
- Negative balance: the account stays in pending closure until you repay, and the 90-day clock doesn’t start until the balance is cleared.1EarnIn Help Center. How Do I Close My Account
Reroute Direct Deposit if You Have the Card
Before support closes an EarnIn Card deposit account, redirect your direct deposit to a different bank first. Otherwise your next paycheck can land in an account that’s already shutting down.1EarnIn Help Center. How Do I Close My Account
Submit the Closure Request
Cash Out Link in the App
Open the app, tap your name or profile, select “Close My Account,” and follow the prompts through to the confirmation screen.1EarnIn Help Center. How Do I Close My Account
Cash Out Link From a Browser
Log in to EarnIn on a computer, click the gear icon in the top-right corner to open Settings, click your profile where your name and phone number appear, then choose “Close My Account” and work through the prompts.1EarnIn Help Center. How Do I Close My Account
EarnIn Card Users
The self-service buttons don’t apply. Open in-app chat, tell customer support you want to close your deposit account, and confirm you’ve already moved your direct deposit elsewhere.1EarnIn Help Center. How Do I Close My Account
What the 90-Day Pending Closure Means
EarnIn accounts don’t shut off the moment you submit the request. They enter a pending closure stage that runs up to 90 days.1EarnIn Help Center. How Do I Close My Account
During that window your account is largely frozen. You can’t request cash outs or receive direct deposits. EarnIn can still process repayments, handle ACH or direct deposit returns, and post dispute-related credits.1EarnIn Help Center. How Do I Close My Account It’s a wind-down, not an instant off switch.
If you change your mind before the 90 days are up, contact support and ask them to reactivate. Once final closure happens, reactivation is off the table. Starting over means creating a new account, and if you use the same bank information there’s a seven-day waiting period.3EarnIn Help Center. How Do I Reopen My Account
Cut Off EarnIn’s Access on Your Bank’s Side
Closing the EarnIn account handles the company’s records. It doesn’t necessarily stop the standing authorization your bank has to let EarnIn pull money by ACH. Take care of that separately.
Stop the ACH Authorization
Federal law lets you stop any preauthorized electronic transfer by notifying your bank at least three business days before the next scheduled debit. You can do it orally or in writing, though the bank may require written confirmation within 14 days of an oral notice.4Office of the Law Revision Counsel. 15 USC 1693e – Preauthorized Transfers Banks commonly charge a stop-payment fee in the $25 to $35 range, and some waive it depending on the account. It’s a useful safeguard for the 90-day pending window, when EarnIn can still process certain debits.
Disconnect Plaid
EarnIn connects to your bank through Plaid, a third-party data aggregator. Closing the EarnIn account doesn’t automatically revoke Plaid’s access. Log in at my.plaid.com, choose “Accounts,” select your financial institution, pick “Delete from Plaid,” and type “delete” to confirm.5Plaid. How Do I Delete Financial Accounts from the Plaid Portal Removing the connection stops new data sharing but doesn’t erase whatever EarnIn already collected.
Request Data Deletion
To have EarnIn delete the personal information it already holds, submit a request through earnin.com/privacy or email privacy@earnin.com. This is separate from account closure.6EarnIn Help Center. How Can I Request or Delete My Data from EarnIn
Unpaid Cash Outs and Credit Reporting
Cash Out advances are non-recourse. Per EarnIn’s user agreement, the company won’t pursue collection, sell the debt, or report unpaid Cash Outs to credit bureaus.7EarnIn. Cash Out User Agreement The practical consequence: an unpaid balance blocks you from taking another Cash Out or opening a new EarnIn account until it’s cleared.1EarnIn Help Center. How Do I Close My Account
The EarnIn Card is different. EarnIn reports Card activity to Equifax, TransUnion, and Experian every month, including whether you paid the prior month’s balance, any past-due amount, and the delinquency date if an account goes 30 days past due.8EarnIn Help Center. FAQ – Credit Reporting Closing the Card can move your credit score in the wrong direction: your utilization ratio changes when an available credit line disappears, and your length of credit history can shorten if the Card was one of your older accounts. On-time payments before closure still count for you, and late payments still count against you.9EarnIn Help Center. How Can EarnIn Card Help Build My Credit History
Confirm Everything Actually Closed
After submitting the request, check the “connected apps” or “third-party access” area of your online banking and confirm EarnIn no longer appears. Log back into the EarnIn app; a pending-closure account shows a restricted state instead of the normal dashboard. Save the closure confirmation email. If an unexpected charge lands during the 90-day window, that email is your basis for disputing it with your bank. After 90 days, log in one more time to verify the account reads as fully closed rather than still pending.