1. You must be at least 18 years old.
2. You must have a valid US address within the 50 states or the District of Columbia
3. You must have a valid email address
4. Your household income must be at or below 80% of the Area Median Income for your county of residence and household size, as defined by the US Department of Housing and Urban Development
5. You need to have a savings account at a bank or credit union based in the United States (see list of compatible banks below), and be enrolled in online banking with valid online banking credentials.
Compatible banks and credit unions for this program Ally Bank of America BB&T BBVA Capital One 360 Chase Citi Bank Navy Federal PNC Simple SunTrust TD Bank USAA US Bank Wells Fargo EARN is a non-profit committed to helping Americans save for their financial wellbeing. We are not a bank or credit union and we never have access to your money.