Your phone number is the key to your Branch account. Each time you sign in, the app verifies your identity using your phone number, a one-time login code sent by text, and your wallet passcode. All three are required to complete the login process.
What you need to log in
- The phone number currently on file for your account
- A 6-digit login code sent to that number via text
- Your wallet passcode
If you don't have access to any one of them, you won't be able to log in without first resolving it.
How login codes work
When you enter your phone number in the app, a code is sent to that number via text. The code is single-use, and you must enter it before it expires to complete the login process.
To protect your account, the verification service limits how many codes it will send in a short period. If multiple codes are requested back-to-back, delivery pauses for 15 minutes. This is a security measure to protect your account.
When codes can and can't be delivered
Login codes only reach conventional mobile phone numbers assigned directly by a carrier. They cannot be delivered to numbers generated by apps (e.g., Google Voice, TextNow, TextFree) — even if those numbers work normally for other calls and texts.
Examples
New phone number:
- You get a new phone number and you open your app to log in.
- Since you haven't yet updated your phone number in the app, the login code gets sent to your old number.
- You'll need to update your phone number in the app before you can receive the login code.
Multiple code requests:
- You opened the app, input your phone number, and tapped Send code.
- The code didn't arrive immediately to your device, so you tapped the Send code multiple times in a short period.
- Code delivery pauses as a security measure so you won't be able to receive a new code for 15 minutes.
Other things that can prevent login
New phone number
The login code is always sent to the phone number on file. If you have a new number and haven't updated your account yet, the code will go to your old number. You'll need to update your phone number before you can log in.
New device
Logging in from a device not yet associated with your account may trigger a block. If you see the message "You're attempting to log in with a new device," contact support to have the device added to your account.
Forgotten passcode
Your wallet passcode is the final step of login. If you've forgotten it, you'll need to reset it before you can access your account.
Related articles:
- How do I log into the app?
- Why am I not receiving the text code to log in?
- How do I update my phone number?
- How do I reset my passcode?
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.