Why is my Instant Pay turned off?

We determine your eligibility for Instant Pay based on the information Instant receives from your employer. Instant does not have visibility of any garnishments or deductions.

Here are some possible reasons your Instant Pay feature may be turned OFF:

  1. There is a wage garnishment on your earnings - this could be something like student loans, child support, etc
  2. There is a deduction on your earnings - this could be something like a contribution to a health plan through work, or a retirement savings plan, etc.
  3. You have recently been overpaid by your employer - Instant Pays are now temporarily turned off while you are in an overpaid status. Once your pay check amount has paid back any overpayments, you may become eligible for Instant Pays again.
  4. If you have changed your payment method, your instant pay feature will be disabled. 
  5. If your balance is negative due to a transaction being reversed

If the above scenarios do not apply, check your pay stub for any garnishments or deductions. You will still receive your pay check through Instant and can use your card for transactions, withdrawals, and bank transfers even if you are not eligible for instant pay offers.