Using EarnIn with Chime: Is It Possible?

Download Article

Learn if you can use EarnIn to get money early with Chime

Co-authored by Andrew Lokenauth and Darlene Antonelli, MA

Last Updated: September 4, 2025 Fact Checked

Download Article

• EarnIn & Chime
|
• Eligibility
|
• Changing Your Bank Account in EarnIn
|
• Unsupported Banks
|
• Tips from Around the Web
|
• Alternatives

|Show more |Show less

Does EarnIn work with Chime? The answer isn't easily a "Yes" or "No," since linking the two is in testing right now. It's not available for every user, but if you're lucky, you'll be able to add Chime as a banking account with EarnIn! Read on to learn more about this feature in testing and get answers to more burning questions.

Using EarnIn with Chime: Fast Facts

EarnIn is testing this feature, so some may be able to connect Chime to their EarnIn account, and others may not. Additional factors, like enabling Account transactions in Chime, may also affect connecting with EarnIn.

Steps

Section 1 of 6:

Does EarnIn work with Chime?

Download Article

1. 
   It's being tested. Currently, a small group of accounts can test linking Chime to EarnIn. Since Chime allows early paychecks (2 days in advance of a scheduled payday), EarnIn has been unable to support all Chime users fully.
Advertisement

Section 2 of 6:

Am I eligible to use my Chime account with EarnIn?

Download Article

1. 
   1
   Check if you can add Chime as a bank account. When you change or add a bank account, you will most likely see "Chime" in the list of available banking accounts. However, only a few EarnIn users will be able to connect Chime. An error message will pop up if you aren't part of the test group to use Chime with EarnIn. If you are able to link your accounts, you won't encounter an error message.

   • Note that if you link your Chime account, you also need to turn on Allow Transactions in your Chime settings so EarnIn can send transfers and payday deposits to it.
2. 
   2
   Turn on "Allow transactions" in Chime. You need to enable this option in Chime so EarnIn can make deposits to your account.

   • To turn on transactions from the website, go to Settings > Account Settings > tap the toggle next to "Allow transactions" so the switch is on.
Advertisement

Section 3 of 6:

Changing Your Bank Account in EarnIn

Download Article

1. 1
   Tap ☰. This three-line icon is in the lower right corner of your screen.

   • If you just downloaded EarnIn for the first time, you’ll be prompted to add a new bank account as soon as you open the app. Otherwise, you’ll need to change your account from the ☰ menu.
2. 2
   Tap Linked Bank Account. This offers more options.
3. 3
   Tap Change. You'll see this next to your current bank information.
4. 4
   Select the bank you want to use from the drop-down list. Most users will see "Chime" as an option, but only a few will be able to actually use it.
5. 5
   Enter your banking username and password. You'll need this information regardless of what bank you're using.
Advertisement

Section 4 of 6:

What banks are not supported?

Download Article

1. 
   Here is a list of the banks that won't work with EarnIn:https://help.earnin.com/hc/en-us/articles/360041343634-List-of-unsupported-banks

   • ACE Elite Prepaid Account
   • ACE Flare Account by Metabank
   • ADP TotalPay - Money Network Card
   • Albert
   • American Express Serve
   • B9
   • Bank of America - Money Network
   • Bluebird by American Express
   • Branch
   • card.com - Premium Bank Account
   • Chime - currently being tested
   • Clair
   • Credit Karma
   • Current
   • Dave
   • Found
   • GO2bank
   • Green Dot Prepaid Debit Card
   • Jelli
   • KeyBank - Key2Benefits
   • Lili
   • Money Network Pay Card - Money Network Pay Card
   • MoneyLion - RoarMoney
   • Netspend
   • Netspend All-Access Account by MetaBank
   • OnePay
   • PayPal
   • Pennsylvania EPPICard for Child Support
   • Providers Card by Propel
   • Qapital
   • Robinhood
   • Skylight ONE - SkylightOne
   • Spruce
   • Stash
   • Step
   • Turbo Card by Green Dot
   • U.S. Bank ReliaCard
   • Uber Pro Card
   • Upgrade
   • Varo Bank
   • Venmo - Personal
   • Walmart - Money Network Pay Card
   • Walmart MoneyCard by Green Dot

Section 5 of 6:

Tips from Around the Web

Download Article

1. 
   1
   Make sure the names on both accounts are identical. You'll have trouble trying to link a Chime and EarnIn account if the names are different. For example, a Chime account for John F Doe will have trouble connecting to an EarnIn account with the name John Doe.
2. 
   2
   Incorrect setup may cause the link to fail if your account is eligible. In other words, if you don't turn on Allow transactions in Chime, your EarnIn account won't be able to transfer or access your Chime account properly, resulting in a disconnection.
3. 
   3
   EarnIn does not work with prepaid cards and savings accounts. A linked checking account is required. EarnIn is not compatible with SSI, disability pay, unemployment wages, or veterans' benefits.
Advertisement

Section 6 of 6:

EarnIn Alternatives for Chime Users

Download Article

1. 
   If you need to link Chime with a cash-advance service, here are some alternatives:

   • SpotMe (allows you to overdraft your account by $200 without fees, which makes it the best alternative)
   • Dave (gives you up to $500 in advance with the "ExtraCash" feature. It's a very popular alternative)
   • Cleo (user-friendly interface with great AI-driven financial management tools)
   • This wikiHow article lists more, but these are the most recommended apps to use instead of EarnIn.

Expert Q&A

Search

Add New Question

Ask a Question

200 characters left

Include your email address to get a message when this question is answered.

Submit

Advertisement

Tips

Submit a Tip

All tip submissions are carefully reviewed before being published

Name

Please provide your name and last initial

Submit

Thanks for submitting a tip for review!