How much can I spend on my Branch Card?
You can spend $2500 per day and up to $2500 per transaction.
How much money can I take out from an ATM?
If you do not have a direct deposit to your Branch Wallet, $100 per day. If you have added a direct deposit to your Branch Wallet, this increases to $200 per transaction and $400 per day.
Can I still take pay advances before I get my Branch Card in the mail?
Yes! After you order your Branch Card, you can always have your pay advances sent instantly to your linked debit card for a small fee. After you receive your Branch Card and have activated it, you can start receiving your instant advances to your Branch Card for free.
Which ATMs can I use?
The Branch Card works at just about any ATM, with over 500,000 ATMs in the United States. Supported networks include Maestro, Cirrus, and Pulse. There are no hidden fees to using ATMs, however, if the ATM machine charges a fee, then this will be deducted from your account. Branch does not make any money off of these fees charged by the ATM machine. If you would like to avoid the fee at the ATM, you can go to just about any major retailer and ask for Cash Back at the register. Most places don't even charge a fee for this. Simply present your Branch Card, enter your 4-digit PIN, and select the amount you would like to Cash Out. International ATMs are not supported at this time.
Can I use an International ATM?
As of right now, this is not supported. We will let you know when this functionality becomes available.
Are there any places I can't use my card?
You will not be able to make purchases at Adult stores or for Gambling related activities. Using your debit card for international purchases is currently not supported.
Can I use my Branch Card Internationally?
Using your debit card for international purchases is currently not supported. We will let you know when this functionality becomes available.
How do I send a check?
Sending checks is currently not supported, but will become available in Q1 of 2020.
How do I pay a bill using my Branch Wallet?
The most secure way of paying your bills online is to provide your debit card number to your biller. If your biller does not support getting paid via debit card, then you may provide your Branch Wallet account and routing number to them. Note, you should have the capability to pay manually via the biller website or setup auto pay. If your Branch Wallet account doesn't have enough funds to cover the cost of the bill, then we will reject the payment. You will not incur any overdraft charge, however, you will need to pay your biller by some other means.
What if I don't have enough money to pay for an upcoming bill?
If your Branch Wallet account doesn't have enough funds to cover the cost of the bill, then we will reject the payment. You will not incur any overdraft charge, however, you will need to pay your biller by some other means.
How do I get a free instant advance?
Instant advances are free when you put the advance on to the Branch Wallet and use your Branch Card. Fees are only charged when moving the money from the Branch Wallet to your linked bank account.
How do I increase my Instant Advance limits?
The easiest way to increase your pay advance limits is to activate your Branch Card and start using it. Once you add your paycheck via Direct Deposit with at least $250 to your Branch Card, your limit will be increased as well.