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How long does EarnIn take to verify a debit card?Test transactions sent to verify your bank are sent via ACH which normally takes 1 business day to post which is why verification is not instant. Because of. Report your lost or stolen debit card via the Mobile Banking app. This is the best way to minimize your potential losses. You may not be responsible for. Quick funding: If you sign up for EarnIn's Lightning Speed program, you can access your funds within minutes by connecting an eligible debit card to your EarnIn.