Account Management
What happens if I don't have enough funds to cover my automatic payment?
You will need to inform EarnUp 3 business days prior to your scheduled debit or payment date to reschedule the pending transaction. Otherwise, EarnUp will not be able to fulfill your monthly payment. Don't have an EarnUp online account? If you are ...
How can I reset my password?
In order to reset your password, you will first need to navigate to our login page. Under the login button, you will see “Forgot Password”. When clicking this link you will be prompted to provide the email address associated with your EarnUp account. ...
How can I update my bank account that EarnUp is withdrawing from?
You are able to update your bank account in your account by clicking on your avatar in the top right corner of the screen next to your name and selecting “Bank Account”. Once on the “Bank Account” screen, you will be given the option to update your ...
What if I am planning on refinancing or if I am in the middle of a refinance process?
If you are planning on refinancing your current loan, this one will be canceled on our records and the new loan (refinanced) information will be added once you provide the new loan details. How can I cancel my current loan to add the new ...
How can I view my upcoming transactions?
Your upcoming transaction calendar is available for review online via your EarnUp portal. To view your upcoming transactions simply sign in to your online account using the EarnUp login page. If you only have one loan on your EarnUp account, upon ...
How can I get an email debit/payment reminder?
There are two options to be able to request your debit schedule reminder, you can: Submit a request by using our Support Form Choose the request type ‘Other' Enter your information including the best phone number and email address to reach you at ...
How do I review my transaction history?
Your full transaction history is available for review online via your EarnUp portal. To view your transaction history simply sign in to your online account using the EarnUp login page. If you only have one loan on your EarnUp account, upon logging in ...
How can I skip or change an upcoming debit or change my debit schedule?
If you'd like to change an upcoming debit, you may be able to do so in your EarnUp online account in the 'Manage withdrawals' section of your loan. You'll be able to select a debit that is eligible to be changed from a dropdown list. You may be able ...
How do I make an additional principal payment?
You may use our Support Form to submit your request to make additional principal payments. When filling out the form: Put ‘Change Debit or Payment’ in the Subject line Enter your information including the best phone number and email address to reach ...
Who do I need to contact if I have questions about my escrow amount?
For any escrow amount-related questions, please contact your mortgage loan servicer directly. Don't have an EarnUp online account? If you are already an EarnUp customer, you claim your online account please give us a call at 1-800-209-9700 and one ...
Will my loan number ever change?
In most cases a loan transfer will result in a new loan number. If so, your new servicer will send you a letter after the transfer date with your new loan number. Don't have an EarnUp online account? If you are already an EarnUp customer, you claim ...
I have an escrow account. Will it be transferred if my loan is transferred?
Yes, if you have an escrow account for taxes it'll transfer with the servicing of your mortgage. Don't have an EarnUp online account? If you are already an EarnUp customer, you claim your online account please give us a call at 1-800-209-9700 and ...
Are the terms of my loan changing after a Loan Transfer?
No, the loan transfer won't affect the terms of your existing loan, including your interest rate, your payment due date or the length of your loan. Don't have an EarnUp online account? If you are already an EarnUp customer, you claim your online ...
What should I do if I find out my Mortgage is being transferred?
This is unfortunately a common occurrence with mortgages. However, with EarnUp, we try to make the process as simple as possible! By law, your old and new mortgage servicers are required to contact you about the transfer. As soon as you are notified ...
Can I add more than one bank account to my EarnUp account?
No, EarnUp only supports one bank account for each account at this time. Don't have an EarnUp online account? If you are already an EarnUp customer, you claim your online account please give us a call at 1-800-209-9700 and one of our Customer ...
How can I add a new loan to my account?
Adding a loan to your EarnUp account is simple, however in order to do so you will need to speak with one of our Customer Happiness representatives. There are two ways we can start this process. The first way is to call our Customer Happiness line at ...
How can I pause or cancel my EarnUp account?
There are several ways that you are able to cancel your account. If you have claimed your online account you can cancel or pause your account directly through your online portal by completing the following steps: From your homepage, select the ...
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How to get in touch so we can help you out
Call EarnUp at 800-209-9700, weekdays from 6:30am-5:00pm PT, or email support@earnup.com, to connect with a member of the Customer Happiness Team.
How do ACH bank transfers work?
ACH stands for Automated Clearing House, a U.S. financial network used for electronic payments and money transfers. Also known as “direct payments,” ACH payments are a way to transfer money from one bank account to another without using paper checks, ...
Are payments or debits completed on banking holidays ?
ACH transfers, check payments, and debits are not completed on bank holidays. If a payment or a debit is scheduled on a banking holiday, the processing date will be delayed until the next business day.
What is amortization and how does it work?
Amortization is the process of spreading out a loan into a series of fixed payments. The loan is paid off at the end of the payment schedule. The best way to understand amortization is by reviewing an amortization table. If you have a mortgage, the ...
What is the difference between interest rate and Annual Percentage Rate (APR)?
APR is the annual cost of a loan to a borrower — including fees. Like an interest rate, the APR is expressed as a percentage. Unlike an interest rate, however, it includes other charges or fees such as mortgage insurance, most closing costs, discount ...