How do I revoke bank authorization from EarnIn?

Contact support **at least three business days before** the scheduled transaction, either in-app chat or email **care@earnin.com**. Ask them to confirm the revocation in writing. Two warnings from EarnIn's own help page: revoking while a transfer is pending may not stop the funds moving, and if you revoke via your *bank* instead, you won't be able to use EarnIn with that bank account again and would have to link a new checking account. Revoke through EarnIn first, and only use a bank stop-payment as backup.

How do I cancel my EarnIn Card?

EarnIn's help page says to call the number on the back of your physical card or chat through the app, support is available 24/7. Card holders also have a dedicated line, **+1 888-537-9883**, which is reserved for EarnIn Card holders and won't handle general inquiries. Be aware of the knock-on effect: closing the Deposit Account offboards you from all EarnIn products including Cash Out Link and Early Pay, the Lead Bank account used for Cash Out Link is closed too, and you won't be eligible to sign up for a Deposit Account or EarnIn Card again.

How do I turn off Early Pay?

Early Pay costs $2.99 per paycheck and EarnIn says it can be turned on or off at any time, but fully unenrolling is not self-service. The help centre states that Early Pay and Live Pay (EarnIn Card) customers must **contact support** to close the Deposit Account permanently, because unenrollment can't be completed manually in the app. Support will also walk you through redirecting your direct deposit back to your own bank. Do that redirect *before* closing, so a paycheck isn't in flight through the partner bank when the account shuts.

What happens if EarnIn debits my account after I closed it?

First, check it isn't a legitimate repayment of an advance you took before closing. If it isn't, contact support via in-app chat or **care@earnin.com** citing the unauthorized debit, attach your closure confirmation email, and ask for a reversal in writing. In parallel, tell your bank: a debit taken after you revoked authorization is disputable, and US account holders can raise it under the electronic-transfer error rules. Escalate to **complaints@earnin.com** if the first-line response stalls, and keep every chat transcript.

Can I reopen an EarnIn account after closing it?

Sometimes, but not instantly and not always. If you create a new account you won't be able to reuse the same banking information for **7 days** from the last EarnIn debit on your old account. You also can't reuse a bank account you revoked authorization on through your bank, that account is locked out and you'd need to link a different checking account. And if you closed a Deposit Account or EarnIn Card, EarnIn states you won't be eligible to sign up for one again.

Does cancelling EarnIn hurt your credit?

Cash Out involves no credit check and isn't underwritten as a loan, so closing the account shouldn't itself show up on your credit file. Two caveats. If you were using EarnIn's Rent Reporting product, ending it stops future positive rent history being added. And an unrepaid balance left behind when you walk away is a debt EarnIn can pursue in its own way, historically, non-repaying users are cut off from the app. Clear the balance, then close.

Why am I still being charged after cancelling EarnIn?

Usually one of three things: the cancellation never completed (no written confirmation), the subscription bills through Apple or Google and must be cancelled there, or a minimum term is still running. Charges continuing after a confirmed cancellation can be disputed with your bank as a chargeback.

How do I delete my EarnIn account?

Cancel the subscription first, then request account deletion in settings or by email. If there is no self-serve option, email a written erasure request citing the applicable data-protection law; most companies complete erasure within about 30 days.

How to Cancel EarnIn and Stop ACH Debits.

Q: Does EarnIn charge a cancellation fee?

No. EarnIn has no membership or subscription fee and no charge for closing your account, the app markets itself as having no mandatory fees, no interest and no credit check. What you can still owe at closure is any unrepaid Cash Out, plus already-incurred fees: Lightning Speed expedited transfers ($2.99, $5.99), Early Pay ($2.99 per paycheck, charged by partner bank Evolve Bank & Trust or Lead Bank), Balance Shield expedited auto-transfers ($5.99) and the $2.99 EarnIn Card ATM fee. Settle those and closure itself costs nothing.

Q: Does EarnIn charge a cancellation fee?

Rolling monthly plans end at the period already paid for with nothing extra to pay. Fixed minimum-term plans can carry an early-exit charge until the term ends, check your signup terms for a minimum-term end date.

Here's the fastest way to cancel EarnIn and what to expect.

Last verified yesterday · data refreshes daily · sources: homepage, terms, contact, terms, terms

The fastest way

Close EarnIn in the app: Settings gear → tap your name → Close My Account. Early Pay or EarnIn Card users must contact support to unenroll. Separately email care@earnin.com, subject "Revoke ACH authorization + close my account", at least 3 business days before your next scheduled debit. Support replies within 48 hours; closure confirmation arrives by email.

Or let yoink do it for you.

30 seconds. AI emails EarnIn, handles retention, chases the refund. You approve once, then sleep.

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Every way to cancel EarnIn

Phone: Call +1 888-537-9883 and say “cancel my service”. Expect a retention pitch, decline it twice and hold firm.
Email: Email care@earnin.com with the template below, the route that creates a paper trail and carries the refund ask.

Timing matters: Revoke ACH authorization with support at least 3 business days before your next scheduled debit; EarnIn Card autopay must be turned off by 8 a.m. PT (11 a.m. ET) one business day before the debit date; closure can take 2 to 3 business days while EarnIn confirms its debits posted, and the same bank details can't be reused for 7 days after the last debit.

The 4-step cancellation

Email the verified address
care@earnin.com, yoink-verified working email for EarnIn (confirmed by tracked cancellations).
Use a precise subject
Subject: Cancellation Request, [your account email]

Send this template

Hi EarnIn team,

I'm writing to cancel the subscription on my account, [your account email].

Please treat this as formal notice of cancellation, effective from the end of the current billing period. Under the FTC's Click-to-Cancel rule, cancellation must be available through a channel as simple as the one I signed up through.

Please confirm by reply that the subscription has been cancelled and that no further charges will be taken.

Best,
[your name]

Wait for confirmation
Wait 24 hours. If there's no response, send a polite one-line follow-up referencing the original request.

EarnIn plans you can cancel

Cash Out (standard transfer)
No membership or subscription fee; access up to $150/day and $1,000 per pay period. Close via Settings → your name → Close My Account once any outstanding advance is repaid.
$0.00/mo
Optional tip on a Cash Out
Tips are voluntary and can be set to $0 before confirming a transfer; the in-app default is pre-filled, so it must be dialled down manually each time.
Lightning Speed instant transfer
Per-transfer fee, not monthly, reported between $2.99 and $5.99 depending on transfer size. Avoid it entirely by choosing the free 1 to 2 business day standard transfer.
$3.99/mo
Early Pay
$2.99 per paycheck, charged by partner bank (Evolve Bank & Trust or Lead Bank). Can be turned on or off at any time, but unenrolling from the Deposit Account requires contacting support, it can't be done manually in the app.
$2.99/mo
Balance Shield auto-transfers
Alerts are free; automatic transfers sent via Lightning Speed carry a $5.99 fee per transfer up to $100. Toggle off in app home screen → Settings → Balance Shield.
EarnIn Card / Live Pay
$2.99 ATM fee per cash withdrawal. Cancel by calling the number on the back of the card or via in-app chat; closing the Deposit Account offboards you from all EarnIn products including Cash Out Link and Early Pay.

What happens to what you’ve already paid

The only refund EarnIn commits to in writing is on TIPS: request within 30 days of the Cash Out being repaid and they refund it, via in-app live chat. Cash Out advances themselves aren't refundable, the debit on payday is repayment of money already sent to you, so the fix there is rescheduling or revoking the debit, not a refund. Transaction fees (Lightning Speed $2.99, $5.99, Early Pay $2.99 per paycheck, $2.99 EarnIn Card ATM fee) have no published refund window and are argued case-by-case with support. Bank overdraft fees are a separate track: EarnIn has historically said it reimburses overdrafts it caused, but disclaims responsibility where the overdraft wasn't its error.

“EarnIn will refund a tip if you request a refund within 30 days of repayment of a Cash Out. To request a refund for a tip, please live chat with the EarnIn team through the EarnIn App.”
, EarnIn terms

30-day cancellation windowPro-rata refund: no

Asking specifically for money back, not just a cancellation? See the dedicated EarnIn refund guide , same data, but framed around the policy + escalation paths.

Does EarnIn charge a cancellation fee?

EarnIn’s terms mention conditions worth checking before you cancel, see the plan notes and policy quote above for the specifics we found. In general: rolling monthly plans end at the period you’ve already paid for with nothing extra to pay, while minimum-term or contract plans can carry an early-exit charge until the term ends.

What doesn’t work for cancelling EarnIn

Based on 9 sources, Reddit, app reviews, and direct testing. Skip these and save yourself the loop.

✕ Deleting the EarnIn app from your phone, Uninstalling removes the app, not your ACH authorization, scheduled payday debits keep hitting your linked bank account until the account is closed and authorization is revoked with support.
✕ Revoking the debit authorization through your bank instead of through EarnIn, EarnIn's own help page states that if you revoke authorization through your bank you won't be able to use EarnIn with that bank account again and will have to link a new checking account.
✕ Closing the account while a Cash Out is still outstanding, Closure is gated on repayment, EarnIn needs to confirm its debits posted before your account can be closed, a process that typically takes two to three business days, and you can't use the service again until unreimbursed Cash Outs are settled.
✕ Revoking authorization once a transfer is already pending, EarnIn warns that revoking while transfers are pending may not prevent funds being delivered, and you'd then need to clear the outstanding amount before using EarnIn again.
✕ Trying to unenroll from Early Pay / EarnIn Card yourself in the app, Help centre states unenrollment can't be completed manually in the app for Early Pay or Live Pay (EarnIn Card) customers, you must contact support to close the Deposit Account.
✕ Calling the EarnIn Card support line about a general account closure, The +1 888-537-9883 line is reserved for EarnIn Card holders and does not support general inquiries.
✕ Asking for a tip refund more than 30 days after repayment, The Cash Out User Agreement limits tip refunds to requests made within 30 days of repayment of the Cash Out.
✕ Assuming a closed account frees your bank details immediately, If you open a new account you can't reuse the same banking information for 7 days from the last EarnIn debit on the old account.

Cancelled EarnIn but still being charged?

Three common reasons, in order of likelihood:

The cancellation didn’t actually complete. If you never received a written confirmation from EarnIn, treat it as not cancelled. Email care@earnin.com referencing your original request date and ask for written confirmation plus a refund of any charge taken since.
You cancelled in the wrong place. Subscriptions started through the App Store or Google Play bill through Apple or Google, cancelling on EarnIn’s site doesn’t touch them. Check Settings → Subscriptions on iPhone, or Play Store → Payments & subscriptions on Android.
Billing lag. A charge that was already in flight when you cancelled can still land a few days later. One trailing charge can be normal; two is not.

If they keep charging after a confirmed cancellation, that’s chargeback territory: dispute the charge with your bank citing “subscription cancelled, merchant continued billing”. The yoink app also flags this automatically, it keeps watching your inbox after a confirmed cancellation and alerts you if EarnIn charges again.

How EarnIn will try to keep you

EarnIn may respond with a retention offer, a discount, a free month, or a downgrade to a cheaper tier. Don't engage with the counteroffer. Restate that you want a full cancellation and cite the consumer law again if they push back.

They’ll say: “Pre-filled tip at roughly 10% of the transfer at checkout, framed as supporting the service”
You say: Slide the tip to $0 before confirming. EarnIn's own app listing states service quality and availability aren't affected by whether you tip, so a $0 tip is not a penalty, and any tip already taken can be refunded within 30 days of repayment.
They’ll say: “Support offers to reschedule your debit date instead of processing the revocation you asked for”
You say: Rescheduling keeps the authorization alive. If you want out, reply in writing: 'I am revoking ACH authorization effective immediately and closing my account, please confirm in writing.' Send it at least 3 business days before the scheduled debit.
They’ll say: “Closure routed into in-app chat rather than handled over email, so nothing is written down”
You say: Do both. Complete the in-app Close My Account flow, then email care@earnin.com restating the request. Save the closure confirmation email, it's your proof if a debit appears afterwards.
They’ll say: “Feature toggles (Balance Shield auto-transfers, Early Pay) left on after you think you've stopped using the app, each carrying its own $2.99, $5.99 fee”
You say: Turn off Balance Shield in Settings → Balance Shield and switch Early Pay off before closing, so no partner-bank fee lands mid-closure. EarnIn confirms both can be toggled off at any time.
They’ll say: “Max Boost / higher limits dangled to keep you in the cycle”
You say: A higher limit is a bigger payday debit, not a benefit. If you're closing because repayments are causing overdrafts, say so explicitly in writing, EarnIn has publicly said it reimburses overdraft fees it caused.

Your rights when cancelling

The law where you live is the strongest hook, lead with it when you contact the company.

United States

FTC Click-to-Cancel Rule (2024+)
Cancel must be as easy as sign-up.
The Federal Trade Commission’s Click-to-Cancel rule requires EarnIn to make cancelling at least as simple as signing up, same channel, same number of clicks. If they buried the cancel button or forced a phone call, they’re in violation; report to reportfraud.ftc.gov.
California ARL (auto-renewal law)
Renewal must be cancellable online.
California Business & Professions Code §17602 forces any company billing California residents on auto-renewal to provide an online cancel mechanism. Lawsuits have been won on this; companies often refund quickly when it’s cited.

Worldwide

Card-issuer chargeback
Your bank can reverse the charge.
Visa, Mastercard, and Amex all run chargeback schemes, “goods/services not as described” or “subscription not cancelled” are valid reason codes everywhere they operate. Your bank handles the dispute; EarnIn has ~45 days to defend.

Delete your EarnIn account (not just cancel)

Cancelling stops the billing; deleting removes your account and personal data. Do them in that order, deleting an account with an active subscription can leave the billing running with no way to log in and stop it.

If there’s no delete option in EarnIn’s account settings, email care@earnin.com with the subject Account deletion request, [your account email] and ask for your account and personal data to be erased under state privacy laws such as the CCPA. They’re typically required to act on it, most companies complete erasure within about 30 days, and you should ask for written confirmation when it’s done.

Common questions about cancelling EarnIn

In the app, open **Settings** (the gear icon, top right, on some versions the ≡ menu), tap your **profile** where your name and phone number are shown, then choose **Close My Account** and follow the prompts to the confirmation screen. The same steps work on your earnin.com account in a mobile browser. Any outstanding Cash Out must be repaid first, EarnIn needs to confirm its debits posted, which usually takes two to three business days. Once closed, you'll get an email confirmation. Keep it.

Money-back questions (windows, pro-rata, chargebacks) are covered in the EarnIn refund guide. Need a human for something else entirely? The EarnIn contact guide lists every channel that actually answers.