Earning might overdraft your account, but they promise to reimburse you if this happens. Although Earnin does everything in its power to avoid overdrawing your account, sometimes mistakes happen. If Earnin ever does overdraw your account, and you receive an overdraft fee, you can contact their customer support. Once you get in touch with an Earnin customer service representative, you can explain your situation, and send them proof of Earnin causing an overdraft fee. If the Earnin team determines that they did, in fact, cause the overdraft fee, they will reimburse you the full amount.