Get immediate credit for hours worked

Employees are issued a MasterCard, which provides immediate access to earnings after each shift.


They automatically receive credit for hours worked to: spend on their EarnedCard, withdraw from an ATM, or transfer to another account.


While the EarnedCard functions like a debit card, it is a credit card,

with no interest or late fees. 

How it works for card purchases

  1. After each shift, the employee’s “Available to Spend” limit is increased based on their wages earned.

  2. Any purchases made during the pay period are deducted from the employee’s payroll deposit and placed in a reserve account.

  3. When the card payment is due, funds are transferred from the reserve account to pay the amount due.


How it works for ATM withdrawals and transfers

  1. The Available to Spend limit can be also used for ATM withdrawals at 55,000 locations throughout the US.

  2. Alternatively, for no cost, employees can transfer Available to Spend funds to any checking account or payroll card that can receive an ACH.

  3. For immediate transfer to other accounts using VISA Direct, there is a $2.50 fee.

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  1. The Earned Mobile App allows employees to view: hours worked, transaction history, savings progress, and payroll information.

  2. The Mobile App also includes: budgeting and saving tools.


What does it cost to transfer funds to another account?

There is no cost to transfer funds to another account. The account that receives the funds must be able to accept ACH credits

Can employees get their money for free without using the EarnedCard?

Yes. They can transfer funds to an account at another bank, or use their EarnedCard to withdraw cash for free at any of the 55,000 in-network ATM locations

What happens if an employee uses an out-of-network ATM?

There is no fee from EarnedCard, but the ATM provider may charge a fee. The amount of the fee will be stated by the ATM provider, prior to processing the ATM transaction.

What is the APR on the EarnedCard?

The APR is 0%. Remember, the EarnedCard is not like a traditional credit card - there are no annual fees, late fees, or interest fees.

Is Earned’s service a loan?

Yes and no. When you use Earned’s EWA via an ATM or bank transfer, you are assigning that amount of your paycheck to Earned. This transaction is not a loan. When you use your EarnedCard to make a purchase you agree to move money on your payday to your Earned Reserve account. This transaction is a loan, extended to you by our sponsoring bank.

How does using the EarnedCard help the employee’s credit score?

The EarnedCard is a credit card, so we report credit activity to the credit bureaus. A history of on-time payments and low credit-utilization will help increase a cardholder’s credit score.

What if my employee has a low credit score, will they qualify for an EarnedCard?

Yes. EarnedCard does not pull credit reports for applicants. Since the credit available to employees is based on earned wages, credit scores are not used in our application approval process.

Does Earned do credit checks? Will this affect the employee’s credit scores?

Earned does not pull credit reports for applicants. Since the credit available to employees is based on earned wages, credit scores are not used in our application approval process.

Can the EarnedCard be used with Apple Pay or Android Pay?

Yes it can. Just go the Wallet app on your phone, tap the “+” sign, and follow the instructions.