Unlock fast access to your earnings and take control of your financial future with Branch, a secure digital banking platform that offers flexible payroll options and modern money management tools. Designed for workers whose employers use the Branch system, this app enables instant direct deposits, savings automation, contactless payments, and fee-free spending—all backed by a robust network of banking services and real-time financial support.
Flexible Payouts and Instant Access
- Receive wages, tips, mileage reimbursements, and direct deposits the moment they’re issued by your employer
- Eliminate traditional banking delays and enjoy frictionless payroll delivery
- Use earned wage access (if enabled by your company) to tap into up to 50% of your pay before payday
Full-Service Digital Wallet
- Securely store funds in the Branch account and allocate money using the built-in Savings Goal feature
- Schedule recurring transfers or withdraw funds as needed
- Manage financial goals with automated savings tools
Easy Spending with No Fees
- Spend money online or at physical retailers using the Branch Mastercard Debit Card
- Withdraw cash for free at more than 55,000 ATMs nationwide
- Avoid hidden fees such as overdraft charges or in-network ATM surcharges
Fast Transfers and Peer Payments
- Send money to external bank accounts or connected P2P apps
- Enable quick money movement without third-party delays
- Seamlessly route funds between multiple accounts
Bill Payments and Subscriptions
- Pay utility bills, monthly subscriptions, and recurring charges through the Branch wallet or debit card
- Control automated payments and monitor transaction history in-app
Contactless Mobile Payments
- Set up Apple Pay or Google Pay for secure on-the-go spending
- Make tap-and-go purchases at compatible terminals worldwide
- Eliminate physical card dependency
Financial Wellness and Cashback Tools
- Earn cashback rewards for everyday purchases
- Get personalized spending insights and financial tracking features
- Visualize spending habits and stay on top of financial goals
Rapid Sign-Up and Reliable Support
- Create your Branch account in under 90 seconds
- Access responsive support via phone or in-app chat
- Use your account and debit card independently of employer changes
Integrated Banking and Marketplace Services
- Branch accounts are provided by Evolve Bank & Trust (Member FDIC) and include Mastercard-issued debit cards
- Explore optional loan products and financial services via the Greenhouse marketplace, hosted by MoneyLion
- Review repayment terms and conditions specific to loan offers made through partner lenders
Frequently Asked Questions
Q: Can I access my earnings instantly through Branch?
Yes, Branch provides immediate payout once your employer processes payments.
Q: Is there a savings feature in the app?
Yes, users can set savings goals and automate deposits.
Q: Does the Branch Card work at ATMs?
Yes, over 55,000 ATMs are available for fee-free withdrawals.
Q: Are there overdraft or maintenance fees?
No, Branch accounts are designed with fee-free banking in mind.
Q: Can I send money to other bank accounts?
Yes, the app supports external transfers and peer-to-peer payments.
Q: Is contactless payment supported?
Yes, through Apple Pay and Google Pay integration.
Q: Do I need an employer to use the account?
While activation may begin through an employer, the account remains with the user indefinitely.
Q: Is the account FDIC-insured?
Yes, Branch services are backed by Evolve Bank & Trust, a Member FDIC.
Version History
v2025.7.0 —— 7 Jul 2025
Bug fixes and performance improvements—routine stability refinements based on user feedback
Reminder: If anything looks off, reach out to customer support via the app for quick assistance
v2025.6.2 —— 25 Jun 2025
Bug fixes and performance improvements—continued system optimization and error resolution
User note: Support is available in-app for any issues encountered
v2025.6.0 —— 12 Jun 2025
Bug fixes and performance improvements—ongoing updates for smoother user experience
Encouragement to report issues through the app for prompt response
