EarnIn vs ONE@Work (formerly Even)

EarnIn is the original same-day pay app^ — with overdraft help, credit monitoring, saving, and more. GET UP TO $200 PER DAY* Access up to $200/day, with a max of $1,000 per pay period. Get your money in your bank in minutes for a small fee, or in 1-3 business days at no cost. NO MANDATORY FEES No interest, no credit check, no membership fees, nada.* Choose to pay a tip — only if you want.¹ ACCESS YOUR OWN CASH Tap into money you’ve already earned to pay bills in advance, keep your budget on track, and more. Why borrow money, take out a payday loan, or use a cash advance?^ GET PAID EARLY With Early Pay, you can get your paycheck up to 2 days early. Just $2.99 per expedited transfer to your primary bank.‡ HELP AVOID OVERDRAFTS With Balance Shield, you can get alerts & custom transfers from your own pay to help protect your bank balance.** TRACK YOUR CREDIT SCORE FOR FREE Your VantageScore 3.0® by Experian® is just a tap away.^^ EFFORTLESS SAVING With Tip Yourself, you can set yourself up to save every time you get your paycheck.² SAFE AND SECURE We use the latest in security technology to keep your data protected. BACKED BY 24/7 SUPPORT Our Live Chat team is available 24/7, 365 days a year. EarnIn is not affiliated with other money apps, loan apps, or instant cash advance apps such as Dave, Beem, Self, Varo Bank, Chime (SpotMe), Instacash, Float Me, Possible Finance, Albert, Klover, Ibotta, MoneyLion EarnIn EarnIn, P.O. Box 46 Palo Alto, CA 94302 _ ^ Expedited transfers available for a fee. Visit Earnin.com for full details. * Tips go to EarnIn and help us provide tools such as Credit Monitoring for free and keep Lightning Speed fees low. Your service quality and availability aren’t affected by whether you tip or not. ¹ EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details. ² EarnIn is not a bank. Early Pay requires a Deposit Account with Evolve Bank & Trust or Lead Bank, both Members FDIC. FDIC insurance covers eligible funds should the bank holding your funds fail. Fees and restrictions apply. Visit EarnIn.com for full details. including FDIC coverage information. ³ Balance Shield provides free alerts when your bank account balance drops below the threshold you set in your EarnIn account. EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details. ⁴ Your VantageScore 3.0 may differ from the score your lender uses. Visit Experian.com for full details. ⁵ EarnIn is not a bank. Tip Yourself accounts are held by Evolve Bank & Trust, 0% APY, no monthly fees. Terms apply. Visit EarnIn.com for full details. ⁶ Paid Testimonial. Compensation was provided for this testimonial, but the statements reflect a real EarnIn experience.

ONE@Work (formerly Even) partners with leading employers, like Walmart, to provide simple tools that help you take control of your pay — without the hassle. Through ONE@Work, you can: - Get paid early* – With Instapay, access your net earnings before payday to help cover the unexpected. No fees** or hidden interest. - Track your earnings – See your work schedule and track how much you’ll make per shift and per paycheck – no more guesswork.** - Save automatically – Choose a percentage you want to save and we’ll deduct it from your paycheck automatically. - Budget easily – When you connect your bank account, ONE@Work helps you calculate what’s okay to spend. ONE@Work is only available as an employer-provided benefit. ONE@Work Save is powered by Cross River Bank, Member FDIC or Coastal Community Bank, Member FDIC. * Instapay is currently unavailable for Walmart associates in NY. ** Only available for members whose employers have configured this benefit within the app.