Here are the most common reasons for not qualifying for an advance:
- You recently received a paycheck.
- The transaction we are receiving from your bank may be delayed which means we aren’t seeing your most recent direct deposit. This can take up to 24 hours so check back a day or two after payday to see if you qualify.
- You have NSF fees in your account.
- If you have more than 1 NSF fee in your account in the last 30 days, you will not qualify for an advance until you have less than 2 NSF fees in your account over the last 30 days.
- You've reached your max for this pay period. Check back after your outstanding advances are paid back.
- If you’re curious about how we calculate your advance limits, click here.
- We identified high spending activity over the past few pay periods. Monitor your spending activity on the Budget tab to keep spending down and qualify in future pay periods.
- The reason this is important is because we want to avoid over-drafting you on the day that we get paid. Leave a cushion of funds in your account on payday, and you should meet this requirement.
- We were unable to detect two months of direct deposit history from an employer that matches your registered location in Branch.
- For more information on this requirement and how you can get it fixed, click here.
- Your debit card is infrequently used to make purchases. A frequently used debit card indicates your account is active and in good standing.
- Your bank is not supported by Branch
We're constantly reevaluating your advance limit which is why you may qualify one day and not the next. With that said, if you don't qualify today, check back after you meet the above requirements to see if your qualifications have changed!