Homebase Cash Out lets hourly employees access up to 50% of their earned wages before payday, with a maximum of $600 per pay period. It works through the Homebase mobile app: after you finish a shift and clock out, you can request an advance on what you’ve already earned, and the money goes to your connected checking account. Repayment happens automatically on your next scheduled pay date.
How a Cash Out Request Works
Once you clock out of a shift, Homebase calculates how much you’ve earned so far in the current pay period. You can cash out up to 50% of that amount, capped at $600. The minimum is $25, which most workers hit after roughly 4 to 10 hours of work depending on their hourly rate.
To request a Cash Out, open the Homebase app and tap Money, then Cash Out. You’ll see your available balance and can choose how much to withdraw. You pick one of two delivery speeds:
- Standard delivery: Free, arrives in your checking account within 3 business days.
- Instant delivery: Costs $4.99, arrives within an hour.
That’s the entire process from your side. There’s no interest charged on the advance itself, just the flat fee if you choose instant delivery.
How Repayment Works
Homebase automatically debits your connected checking account on your repayment date, which is set based on your employer’s pay schedule. The debit covers the full Cash Out amount, plus the $4.99 instant fee if you used that option. This is a direct debit from your bank account, not a deduction from your paycheck.
If you’d rather not wait for the automatic withdrawal, you can repay early through the app. Go to Money, then Cash Out, and look for a “Repay now” or “Make a payment” option on your active Cash Out. You can pay from your connected checking account or, in some cases, a saved debit card.
Eligibility Requirements
Cash Out isn’t automatically available to every Homebase user. You need to meet all of the following conditions:
- Participating employer: Your employer must have Cash Out turned on. If you don’t see the option in your app, ask your manager whether the feature is enabled for your workplace.
- Age: You must be at least 18 years old.
- Worked hours: You need clocked-out shifts in the current pay period with at least $25 in earnings.
- Homebase mobile app: You must be using the latest version of the app, signed into the correct workplace.
- Eligible checking account: This is where most people run into trouble, so the requirements are worth reading carefully.
Bank Account Requirements
Your checking account has to pass several checks before Homebase will let you use Cash Out. It must be a U.S. checking account (not savings, not prepaid) that has been open for at least 30 days. Beyond that, Homebase looks at your recent account activity to verify that you have steady income flowing through the account.
Specifically, you need at least two direct deposits of $150 or more within the last 32 days. These can come from any employer or income source, not just the Homebase-connected job. Your account also needs transactions on at least 8 separate days within the last 30 days. Normal spending, bill payments, and deposits all count toward that threshold.
The account must be in good standing, meaning it hasn’t been repeatedly overdrawn or closed. Each Cash Out user must also connect their own individual bank account. You can’t share a bank account across multiple Cash Out users.
To connect or verify your account, go to Money, then Cash Out Settings in the Homebase app. If your account doesn’t qualify, the app should tell you why, and you can try again once you meet the requirements.
What Your Employer Needs to Do
Cash Out is an opt-in feature for employers. If your boss hasn’t enabled it, you won’t see the option in your app regardless of whether you meet every other requirement. The good news is that Cash Out doesn’t cost the employer anything or change how payroll runs. The advance comes from Homebase’s Cash Out provider, not from the business’s payroll funds, and repayment is handled directly between you and your bank account.
If you want access and your employer hasn’t turned it on, it’s worth mentioning to your manager. They can enable it through their Homebase dashboard without affecting their existing payroll setup.
What Cash Out Costs You
If you always choose standard delivery, Cash Out is free. The only fee is the $4.99 charge for instant delivery, which gets debited from your checking account on repayment day alongside the advance itself. There’s no interest, no subscription, and no hidden charges beyond that per-transaction instant fee.
Keep in mind that if you cash out $300 today and your repayment date is next Friday, that $300 debit will hit your checking account on Friday. Make sure you have enough in the account to cover it, because a failed repayment could affect your account standing and your future Cash Out eligibility.