Branch

Branch is a lifestyle payment tool that offers a diverse range of payment methods while ensuring the rigorous protection of your funds. It also functions as a payroll account; when your employer issues a payment, the funds are deposited directly into your account, making it easy to purchase items or transfer money. Furthermore, as you use the app for your daily payments, you can earn cash back. Branch also features a responsive customer support team—should you encounter any issues or wish to offer suggestions, you can reach out to them for assistance via chat or phone.

Features of Branch:

Get Fast, Flexible Access to Your Earnings: Branch pushes money into your account the moment your company pays you. No more waiting for bank delays or paper checks.

Create Your Own Payday: If your employer opts in to earned wage access, you can advance up to 50% of your earned wages on-demand to cover unexpected expenses.

Enjoy Fee-Free  Banking Options: Say goodbye to overdraft charges, in-network ATM fees, and other hidden bank fees.

Access Free Financial Wellness Tools: Earn cash back rewards on everyday spending, set aside funds for your unique savings goals, see personalized spending insights, and more.

Pay Bills: Use Your Branch Card or digital wallet to pay for recurring bills, subscriptions, and automatic payments.

Transfer Money Easily: Quickly move money between other bank accounts when needed.

Pay On the Go: Contactless payments are easy to use by enabling Apple Pay or Google Pay.

User Reviews of Branch:

The phone rep listened to my needs and focused strictly on my request for service. The whole transaction took just minutes as she was thorough and concise listening to my needs and completing my request. Was she a manager? That is my thought, she was very professional.

Timely responses and kept abreast of what was taking place. Very helpful, professional and kind customer service representatives.

I switched to Branch after my job started offering it. It’s simple, and convenient. I love that (for my job) there aren’t any fees to take an advance. I also like that the advance comes out of next week’s paycheck and not the current week’s paycheck (other apps take it from the current week’s check, which sometimes puts me in a similar financial bind that causes me to borrow each week until I bounce back). I like having the extra time to be able to pick up extra hours or work a little on my side job to balance out what I’ve borrowed. Transferring from Branch to my bank is simple enough, and the instant transfer fee is reasonable. I enjoy having a plan B for unexpected expenses or to prevent over-drafting my bank account… and Branch is NOT predatory like some other services/apps out there (in my experience). I’ve had absolutely no issues with Branch. I like this service much more than competitors and will not be switching back.My only suggestion is to give an option to advance pay directly to my bank account. I totally get that the Branch account/card has its purpose for some folks, but for me the extra steps are unnecessary. If I could opt-in to pay the instant transfer fee on the same screen that I sign up for the advance, and then it all be done in one tap, that would be perfect. 

I have been using the Branch account for more than a year without any problem, a wonderful and easy-to-use application, and an ATM card that I use on a daily basis and for all my purchases, as well as withdrawing money from the account from CVS Pharmacy located directly opposite my place of residence.A few days ago, I was deceived by a person who claimed to be a spark customer service agent who obtained information from me - while acting like he was verifying my account- that enabled him to enter my account, change and update the info on the account and transfer money to his account. I immediately contacted Branch's technical support and informed them of the matter. The company sent me an email telling me that they had froze the account and withheld the funds and the ATM card, and issued a new card that would that I would receive in the coming days. The next day, they sent me a message that my account is secured and advised me to log in , change the password, and then return the correct any info or data that was changed by the person who hacked into the account. Today, the stolen amount was returned to the account.Thank you very much Branch.

FAQs of Branch:

Am I eligible for an advance?

You must belong to an organization that utilizes our On-Demand Pay functionality.If you are unsure whether or not this is the case, check to see if you have the On-Demand Pay tab in the app. This tab is a dollar icon right at the bottom of the screen. If you see this tab, your organization likely utilizes our On-Demand Pay feature.Branch is not a bank. Banking services are provided by Lead Bank, Member FDIC and Evolve Bank & Trust, Member FDIC, which are Branch’s bank partners. The name of the bank partner for your account is listed on the back of your debit card and can also be found in the Branch App under “Your Account Information”. FDIC insurance only applies to eligible accounts should the bank holding your funds fail. Branch Mastercard Debit Cards are issued by Evolve Bank & Trust or Lead Bank, Member FDIC, as applicable, pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.

How do I request an advance?

Once your Branch Wallet is created, if eligible for an advance, you'll see a dollar amount available to request on the On-Demand Pay Tab:

Navigate to the On-Demand Pay tab

Tap Take Advance

Enter the desired advance amount

Accept our Terms of Services by signing

Confirm the advance amount and payback date

Swipe up on the screen as instructed and you will see "Money in the Bank!".

All advances are sent to your Branch Digital Wallet and are available for immediate use.

Why is my activation link not working?

We're sorry that you're having issues with your activation link.

Troubleshooting Steps

Make sure you're tapping the link from a smartphone, not from a computer. We don't have a desktop or web browser version of the app.

Make sure you're not connected to a VPN.

If you already have the app downloaded, please go back to the activation link and tap the link again.

If tapping the link still doesn't work, try uninstalling the app and returning to the link again.

If you don't have the app downloaded and the link won't open, try downloading the app from your mobile device's app store, then go back to the custom link and tap it once more. 

Summary:

By downloading Branch, users can experience a more efficient way to handle their finances, empowering them to take control of their earnings and spending habits. With its user-friendly interface and robust features, Branch stands out as a valuable tool for modern financial management.