If you cannot request an advance, it indicates that you currently do not meet all the required qualifications. Here are the reasons you may not qualify at this time:
You've reached Your Max Limit
- We allow an advance of up to 50% of your projected earned wages in a pay period, and up to $1,000.
- When calculating this limit we look at the hours that your employer has sent over to us in the current pay period, your hourly rate, and if you have any outstanding advances.
- This limit adjusts throughout the pay period as you work, so if you are unable to take an advance one day, we recommend checking back once more hours have been submitted.
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Important to Note: There is a $500 max advance limit per each advance request. For example, if you are eligible to request an advance of $800, the request would need to be completed in two transactions since the requested advance amount is higher than the max advance limit (i.e., submitting one advance request for $500 and one for $300).
Employer Verification Needed
- To qualify for an advance, you must be verified on your employer's roster.
- We receive roster information from each employer daily, and if your name appears on that roster you will be automatically verified. However, on occasion, some names can be left off the roster that we receive, so you could be removed from your organization.
- If you are getting an error message saying Employer verification needed you will want to check with your payroll administrators to make sure that they have included you in the most recent roster.
- As soon as we receive a roster with your name on it, you will automatically become verified and you will be able to request an advance if you meet all other qualifications.
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You're Missing Direct Deposit
- If you see the error message saying Your direct deposit seems to be missing, it does not necessarily mean that your direct deposit isn't set up in your Branch wallet.
- For certain organizations, depending on how the advances are paid back, you must have at least 65% of your direct deposit going to your Branch account.
- We base this percentage on your projected earned wages based on the hours and hourly rate that your employer sends us.
- When you get an error message about your direct deposit not being detected when trying to request an advance, it just means that our system has not detected 65% of your expected direct deposit amount from the previous pay period.
- This can happen due to tax deductions, or garnishments being taken out. We cannot override this, but if you believe we are calculating this incorrectly, please reach out to us.
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You Have Overdue Advances
- To qualify for an advance in the current pay period, it is required to have paid-off advances taken from previous pay periods.
- If you have an overdue advance amount, it may have been because the paycheck was not large enough to pay back the entire amount due, or our system detected there may not be enough funds to cover the entire payback and therefore only requested what it thought could be repaid.
- Once that amount you still owe (along with any other amount owed at the time) is deducted from your next paycheck and sent to us by your employer, you should be able to continue advancing as long as we are receiving up-to-date hours as well.
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More Hours Needed
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.