Branch Pay - FAQ

How do I sign up?

• Download the Branch app (Go to your iOS or Google Play store).

Should I call the help desk with questions about Branch Pay?

• The quickest and best way to contact support is to reach out to us here

How much does it cost?

All advances are delivered instantly into the Branch digital wallet for free and can be spent immediately using the digital wallet, Apple Pay/Google Pay, or optional Branch debit card. Branch has several transfer options, including free ones! 

How do you calculate how much I can get?

• We calculate your advance amount by taking a percentage of your last couple of paychecks, assessing your spending relative to those paycheck amounts, and looking at your past advance history in Branch. As long as you meet all of our requirements (which can be found HERE) you should be able to receive an advance. More information on how we calculate advance limits can be found here. 

 How many advances can I take within the pay period?

• You can take as many advances as you'd like as long as you haven't met your advance limit. The average number of advances people usually take is 1-3. 

How do I pay back the money?

• Your advance payback is automatically deducted from the bank account you have connected. It will not be removed from your paycheck. 

Do I need manager approval?

• No approval is required to use Branch Pay. 

What if I switched jobs?

• You will need 2 months of direct deposit history from the same employer in order to qualify again. 

How many direct deposits do I need?

• You need 2 months of direct deposits in order to use Branch Pay

  • Direct deposits must be consecutive, from the same employer, going into the same account, and they must hit your account on a predictable pay cycle

  • 2 months = 4 deposits if paid bi-weekly, 2 deposits if paid monthly, and 8 deposits if paid weekly

  • Direct deposits need to be over $40 in order to count

Is this advance confidential?

• Yes, only Branch will be aware of your advance.

How to manually add a bank account?

• At this time you cannot manually add a bank. If your bank is not on the list, unfortunately you are ineligible to use Branch Pay. 

How will I receive my money?

• Your advance will be pushed directly to the card you connected to Branch Pay.  

How soon will I get my money?

• Your funds will post into your account almost instantly (on rare occasions up to 24 hours) if you select the "Instant" payout option. The standard payout option takes 3 business days. 

Is there any way for me to be able to get an advance during the weekends or on a holiday?

• Yes! You can take an advance 24 hours 7 days a week. 

Is there interest or monthly recurring fees?

• There are no interest fees, and Branch pays all transaction fees at no cost to the employee or employer. All funds are transferred instantly for free to your Branch Wallet. You can access these funds in three ways: spending via virtual or physical Branch debit card, withdrawing from an AllPoint ATM, or transferring to another bank account or debit card. Standard delivery to an external account or card is free, while instant delivery to an external account or card may incur a small fee. If you love the app, and you wish to show your support, we do offer the option to include a tip with each advance. Whether you choose to tip or not, the amount you tip has no impact on current or future advance amounts.

Is this a loan?

• No, Branch is advancing you your paycheck for hours you have already worked

• Unfortunately, you cannot access your paystubs via the Branch app. We are not a payroll system, so you will need to reach out to your own leadership and they should be able to advise you how to find that information!

 Who do I contact for assistance?

• Please contact Branch Support by submitting a ticket here