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Instapay is an Even Plus feature that gives you access to wages you've earned, but haven't been paid yet. If your employer is partnered with Even, you'll be able to use our Instapay app feature to get paid early. Even receives payroll information from your employer to determine how much you've earned so far, and you can decide how much we send to you.

You can take out up to 50% of your earnings at that point in the pay period. The number of times you may use Instapay is determined by your employer. Instapay use is limited to make sure your paycheck is large enough to support large expenses like rent or utility bills.

Even sends money in two ways. You can have it sent to a bank account, which typically takes one business day, or you can choose to pick up your Instapay at a Walmart MoneyCenter. If the Walmart you want to pick up your Instapay at doesn't have a Money Center, you can go to the Customer Service Center.

Instapay allows you access to wages you've already earned, so you're not borrowing. There are no taxes or interest, either. Visit the Even app for more details specific to your employer.

In most states, your employer will process the repayment as a deduction on your paycheck. If that isn’t an option, the repayment will come from your connected bank account on payday, after you receive your paycheck.

As long as your new direct deposit bank account is connected, your account and routing numbers have been verified, you’ve earned enough net pay, and you’re not excluded from using Instapay (see “What is Instapay, and how does it work?”), you’ll be able to access Instapay.

Test deposits are two small deposits (each under $1) that are sent to your bank account to make sure we have the correct account and routing numbers. They typically take a full business day to reach your account. After they arrive, you keep them - you don't have to pay them back.

If your bank account is being verified, you can sit tight and wait until the Even app confirms that we see the two test deposits in your account. Once we have confirmed the test deposits, you’ll be able to use our Instapay app. You can check the “Earn” tab for a status update on when we expect your bank account verification to complete. If you didn't receive them by the expected time, it likely means there was a mistake in your account and routing numbers. You can reach out to an Advisor to provide them with the correct information.

After requesting your cash pick-up Instapay in the Even app, you can pick up your Instapay from any U.S. Walmart at the MoneyCenter (or, if there’s no MoneyCenter, the Customer Service Center). You will need to show the cashier the 11 digit reference code in your Even app, the amount of your Instapay, and your ID. You will also be asked to enter your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) on the cash register’s private pin-pad. You can’t collect cash pick-up Instapays from Sam’s Club stores.

You can get your cash pick-up Instapay from any Walmart store in the U.S., when the MoneyCenter or Customer Service Center is open. If you don't pick it up within 30 days, the money will be returned to your paycheck. No one else can pick it up for you — you have to go to the Walmart to receive it, and bring your ID with you. Acceptable IDs include: U.S. Driver's License/Learner's Permit, U.S. State ID, Passport (U.S. and Puerto Rico), U.S. Permanent Resident ID (Green Card), U.S. Military ID, U.S. Tribal ID, or Mexican Matricula Consular. Paper and temporary IDs are not accepted.

No, but we would encourage you to do so. Your bank information powers the Spend section of the Even app where you can see all your transactions together in one place, plan for upcoming bills, and confidently know what’s okay to spend.

Yes. Even holds an A+ rating with the Better Business Bureau and has passed strict security and privacy compliance audits.

No. Connecting your bank account does not authorize Even to withdraw from your account. Connecting only authorizes Even to privately and securely track money going in and out of your account.

You should connect the checking account where your paycheck gets direct deposited. If your pay is deposited into multiple accounts, connect the account that receives the largest deposits. You can connect additional bank accounts, but it is important to connect your primary account.

Probably — it depends on a few factors. You may need help from an Even Advisor while you're setting up your account. Just tap the in-app Support button and they'll help you out.

Despite Even’s best efforts to work with all banks, some banks’ online technology isn’t modern enough to be compatible with the app. If you don’t see your bank, you can tap the "Continue without a bank" button at the bottom of the search results and access the rest of the Even app. Also, feel free to chat an Advisor with your bank’s name and they will do their best to resolve the issue.

Head to the “Settings” section of the app, and select “Delete account and data.”

For bank account connection issues, try the "Refresh bank connection" button accessible from the button in the top-right corner of the Spend section. If you still experience issues, contact an Advisor via in-app chat.

You should enter the same username and password you use for online banking.

You can set up your online banking username and password on your bank's website.

You can find your account & routing information by logging into your online banking account.

Yes. Your connection to and from Even is secured using multiple types of encryption, controls, and best practices. Even’s systems have been audited for security and compliance and regularly undergo security and privacy audits by some of the nation’s largest employers. Your connection to and from Even is secured using 256‑bit end‑to‑end encryption. Even uses strong encryption to guard all sensitive data that you share. Third parties regularly test the information security of Even's systems to ensure that these protections are working well.

No, Even will never sell your information or data you provide. You can read more about this in Even’s privacy policy.

Even uses your phone number to create and secure your account.

Email [email protected] with your phone number and Even will immediately disable access to your account.

When you open the app, you’ll need to enter your new phone number. After that, you can enter the email address you added to your original Even account to finish signing in.

If you don’t receive the email verification message, you can tap the “having trouble?” link, then tap “I didn’t receive my email” to sign in with your employer instead. If you can successfully sign in with your employer, you’ll be automatically signed in to your original Even account and your phone number will be updated.

If you run into any issues during this process, please tap the “Support” button in the top right corner of the Even app to send a chat message to our Advisor team for further assistance.

No. Even is a third‑party provider with existing customers. The financial information you share with Even (bills, expenses, etc.) is only used to help you manage your money. For more details, please review the privacy policy and terms for your employer provided in the Even app.

Even spreads your bills evenly across your paychecks, pulling just the right amount of money from each check for each bill. For example, if most of your bills are due in the second half of the month, Even will hold aside enough money from your first paycheck of the month so you don’t have to use your whole second paycheck for bills. This leaves you with a more consistent amount of money left to spend after every paycheck.

Even knows what bills to budget for because it automatically identifies them from past transactions in your bank account.

If the bill isn't showing up, it's most likely because you pay the bill in a way that the app can’t track, like paying by cash or money order. You can also add bills yourself in the "Planning ahead" section.

No, you still must pay the bills yourself for now.

In general, Even updates your “Okay to spend” balance 3 times a day: once in the morning, once around midday, and once in the evening. In the case you are noticing significant lag times, contact Advisors through the app.

Your “Okay to spend” amount is your bank balance, minus our assessment of the money you need for bills and expenses (money you should not spend). The accuracy of this estimate depends on how recently your account balance has been updated and whether all of your bills have been properly entered into the app.

Automatic Savings is a new feature that automatically saves the percentage you choose to set aside from your paycheck. Even will deduct your savings from your paycheck and transfer it into your Even Savings: a separate, FDIC-insured account managed in the Even app. You can use Even Savings to work towards a personal financial goal, like building an emergency fund, saving for a vacation, or anything else.

Your Even Savings balance will update on payday.

You can withdraw your savings to a bank account where you receive your paycheck or pick it up in cash at any U.S. Walmart MoneyCenter. Please note that if you do intend on using cash pick-up, the minimum amount you can withdraw is $20.

In the "Save" tab, you can pause Automatic Savings by going to "Options" in the upper right corner and tapping the Pause button. When you’re ready to resume savings, you can do so until 10 a.m. PST on the last day of the pay period.

In the "Save" tab, you can add or withdraw to savings by going to "Options" in the upper right corner and selecting Deposit or Withdraw.

In the "Save" tab, tap "Options" in the upper right corner and scroll down to "% Saving on payday" to adjust the amount you're saving.

Savings cash pick-up is an Even Plus feature that allows you to get your money faster. You’ll be able to pick up your savings transfer in cash from the MoneyCenter or Customer Service Center in any Walmart store in the U.S.

In most states, your employer will process your savings allocation as a deduction on your paycheck.

If that isn’t an option in your state, the percentage you’ve set aside will be withdrawn from your connected bank account on payday and transferred into your Even Savings. Your savings balance will update immediately, but it may take up to two business days to withdraw from the updated balance.

No, Even Saving accounts do not earn any interest.

They are real people — not robots! — working for Even in the offices in Oakland, CA and Raleigh, NC. They can help you, free of charge, with any questions you may have about the Even app.

Just tap "Get help" in the main menu and type a message to them. They’ll respond quickly and help you out. Advisors are available Monday through Friday from 6:00 am – 7:00 pm Pacific Time, and Saturday/Sunday 7:00 am – 5:00 pm Pacific Time.

Even was founded in Fall 2014 and started serving the first Even members in Spring 2015.

Even’s main office is in Oakland, California, with another office in Raleigh, North Carolina.

Even makes money by charging employers to offer Even as a financial benefit, and from partnerships.

You can use the “Support” section of the Even app to chat with an Advisor.

The New York Times, Forbes, Newsweek, Fast Company, and many other publications have written about Even.