Sorry friend! We know this can be frustrating. Due to current laws, FloatMe is legally regulated as an Early Wage Access program per CFPB regulations (and are different from payday loans). Under these rules, the early wage access products we provide are based on earned, but not yet paid, earnings. This means we can only base our decisions on what you currently have in your account, not what might be coming in the future.
Income like unemployment checks, pensions, benefits, self-employment or gig income, and straight cash or ATM deposits are not verifiable as "wages" per regulatory guidance.
To get down to brass tacks, the applicable regulatory statutes can be found under 12 CFR Part 1041.3(d)7(i) which reads: "(i) The advance is made only against the accrued cash value of any wages the employee has earned up to the date of the advance."
Other businesses may operate under different regulatory guidelines.
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