EarnIn has debuted Early Pay, a product that lets users access their paychecks two days early no matter where they bank. Early Pay lets users keep their existing banking relationships while accessing their earnings “on their own terms.” From the EarnIn app, customers can add their info to create a deposit account with the company’s partner bank, update their direct deposit through their payroll, and opt in to Early Pay on the app. The service costs $2.99 per paycheck and can be turned on and off at will. After one or two pay cycles, paychecks start fast-tracking into their primary bank account, allowing them to keep their current banking apps and automatic bill pays, while helping to avoid late fees and planning ahead better for any expenditures or financial goals. While EarnIn’s Cash Out feature allows employees to access their wages before payday, Early Pay is a separate service that automatically delivers a user’s regular paycheck up to two days faster when they enroll. Ram Palaniappan, EarnIn’s founder/CEO, said. “We created Early Pay to give people faster access to their paychecks so they can manage their money on their own terms, not their bank’s schedule.”