Cash Out Eligibility FAQ

This FAQ explains who can use Cash Out, why you might not see it in your app, and what can temporarily make you ineligible—including state restrictions and Account Review.

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Who is eligible to use Cash Out?

Cash Out is available to team members who meet all of the following:

• You work for a participating employer that has Cash Out turned on.
• You use the Homebase mobile app and are signed in to the correct workplace.
• You have an eligible checking account connected for Cash Out (see the next question).
• You are at least 18 years old (or meet the minimum age requirement in your state, if higher).
• You have recent worked hours and earnings that meet the minimum needed to take a Cash Out:
  • You’ve clocked out from shifts in your current pay period, and
  • You’ve earned at least the minimum advance amount of $25, which is usually reached after about 4–10 hours of work, depending on your pay rate.

If you meet these conditions and your employer supports Cash Out, you should see:

• A Cash Out tile under Money in the Homebase app.
• An amount labeled “Available to Cash Out” after you clock out of eligible shifts.

If you don’t see Cash Out at all, see Why don’t I see Cash Out in my Homebase app? below.

For more on how much you can access, see the Cash Out Limits FAQ. For how Cash Out works overall, see the Cash Out Overview.

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What kind of bank account do I need for Cash Out?

To use Cash Out, you need an eligible U.S. checking account that you connect in the Homebase app.

Homebase uses your connected bank account activity to determine whether you’re eligible and how much you can Cash Out. At minimum, your checking account must:

• Be a checking account, not a savings or prepaid account.
• Be a U.S. bank account that can be linked through the supported bank connection flow.
• Have been open for at least 30 days.
• Receive direct deposit paychecks of at least $150, from an employer or other income source:
  • You must have at least two direct deposits of $150+ in the last 32 days into that checking account.
  • These deposits do not have to be from your Homebase employer—other employers or income sources count as long as they’re direct deposits.
• Meet minimum transaction requirements.
• Be in good standing—for example, not repeatedly overdrawn or closed.

These requirements help confirm that your checking account is active, used regularly, and has enough recent income and activity to support Cash Out.

When you connect your bank:

1. Open Homebase → Money → Cash Out.
2. Select your bank from the list and sign in securely.
3. Choose the checking account you want to use for Cash Out.

Cash Out uses this account to:

• Send your Cash Out deposits, and
• Debit your repayment on your scheduled repayment date.

If your bank doesn’t appear, can’t be linked, or your account isn’t eligible, see the Cash Out Bank & Card FAQ for troubleshooting steps.

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Why don’t I see Cash Out in my Homebase app?

If you don’t see a Cash Out option at all under Money in the app, one of these is usually the reason:

• Your employer does not offer Cash Out.
• You’re not signed into the right workplace in Homebase.
• You’re using an older app version that doesn’t support Cash Out.
• You haven’t yet met basic eligibility (for example, no recent shifts, or your bank account doesn’t yet meet the minimum activity requirements).
• You live or work in a state where Cash Out is not available (see state restrictions below).

Try these checks first:

• Make sure you’re using the latest version of the Homebase mobile app.
• Confirm you’re logged into the correct account and workplace.
• Ask your manager if Cash Out is enabled for your business.

If your employer confirms that Cash Out is available and you still don’t see it:

• Review Who is eligible to use Cash Out? above.
• Check the Cash Out Eligibility Requirements section in your app or in the Cash Out Overview article.
• If you see a specific ineligibility message, go to Why does the app say I’m not eligible for Cash Out right now? below.

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Why does the app say I’m not eligible for Cash Out right now?

Sometimes you may see a message in the app that says you’re not eligible for Cash Out or that Cash Out is currently unavailable. This usually means that, based on your recent activity, you don’t meet one or more eligibility requirements right now.

Common reasons include:

• You haven’t worked recent eligible shifts with your Homebase employer, or you haven’t yet earned the minimum advance amount of $25 in this pay period.
• You recently changed jobs or locations, and your new workplace doesn’t have Cash Out or hasn’t added you yet.
• There isn’t enough verified income or work history yet to support Cash Out.
• Your connected bank account doesn’t meet the bank activity requirements, for example:
  • Fewer than two direct deposits of $150+ in the last 32 days, or
  • Risk signals such as repeated overdrafts or returned payments.
• You’re in a state where Cash Out is not available (see below).
• Your account is under Account Review, which can temporarily pause access.

If you see an ineligibility message:

• Confirm that you’ve worked and clocked out from recent shifts.
• Check that your bank account is connected and active in Money → Cash Out Settings.
• Review your state (CT, NV, WA, WI, or ME, see Why is Cash Out not available in my state? below).
• Look for any note about Account Review or recent failed repayments in your Cash Out history.

Eligibility is evaluated automatically—support can explain what the message means, but they can’t override the eligibility decision.

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What is Account Review for Cash Out, and how does it affect my eligibility?

Account Review is an automated review Homebase uses to help keep Cash Out safe and compliant. When your account is under review:

• Your Cash Out access may be limited or temporarily paused.
• Your limit might be reduced.
• You might see a message about Account Review or similar wording in the app.

Account Review can be triggered by things like:

• Unusual changes in your work or pay pattern.
• Multiple failed or returned repayments.
• Bank account changes, such as closing an account or moving to a new bank.
• Other risk signals used to keep Cash Out compliant and secure.

While your account is in review:

• You may not be able to request new Cash Outs, or
• You may see a lower “Available to Cash Out” amount.

Account Review is handled automatically. Support can help you:

• Confirm whether you’re currently under review, and
• Understand what you can do (for example, maintain a healthy bank account and on-time repayments).

But support cannot manually remove Account Review or guarantee when it will end. As you work regular shifts, keep your bank account in good standing, and successfully repay Cash Outs, your access may update over time.

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Why is Cash Out not available in my state (CT, NV, WA, WI)?

In some states, Cash Out may not be available at all due to state regulations.

If you live or work in certain states (for example, Connecticut, Nevada, Washington, Wisconsin, and Maine) you may see:

• No Cash Out option in the app, or
• A message explaining that Cash Out is not available in your state.

If you see a state-based restriction:

• Confirm your home and work locations in the app.
• Understand that support can’t override state rules or enable Cash Out in restricted states.

For all other eligibility questions (hours, bank account, limits), see the other sections in this FAQ and the Cash Out Overview.

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Can state Cash Out restrictions change over time?

Yes. State regulations can change, and Homebase may update where Cash Out is available based on:

• New or updated laws and regulations in your state.
• Licensing or compliance updates related to Cash Out providers.

If regulations change:

• Homebase may be able to turn Cash Out on for more states in the future, or
• May need to update how Cash Out works in specific states.

You don’t need to take any action to be notified in-app. If Cash Out becomes available in your state:

• You’ll typically see the Cash Out tile appear under Money in your Homebase app.
• You may also receive in-app messaging or emails letting you know how to enroll.

Support can’t provide exact timelines for when state restrictions might change, but they can help you understand whether your state is currently restricted and what to expect in the app.

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Can multiple people use the same bank account for Cash Out?

No. For security and compliance reasons, each Cash Out user must use their own bank account.

That means:

• The same bank account can’t be shared across multiple Cash Out users.
• If another person already uses a bank account for Cash Out, you’ll need to connect a different checking account that belongs to you.
• Trying to share accounts can lead to Cash Out ineligibility or Account Review.

If you see an error about your bank being used by another person:

• Confirm whether anyone else has connected that same bank account for Cash Out.
• Connect a different checking account in Money → Cash Out Settings.
• If you still see an error, contact Cash Out support and mention that you’re seeing a shared-account or duplicate-account message.

Using a bank account that belongs only to you and reflects your own income and activity helps keep Cash Out safe and ensures your eligibility can be evaluated correctly.