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About Branch: Get $100. Bank. Budget.
Get paid faster with Branch: Get $100. Bank. Budget.—the mobile banking app that puts your earnings in your hands the moment your employer pays you. No more waiting for traditional bank delays or paper checks. Whether you earn wages, tips, mileage reimbursements, or direct deposits, Branch gives you a free digital bank account, debit card, and financial wellness tools—all accessible in just 90 seconds.
Take control of your money with three simple actions. Save funds securely in your digital wallet and use the dedicated Savings Goal feature to set aside money for specific financial objectives. Send earnings to external bank accounts or to peers through connected P2P apps whenever you need to transfer funds. Spend using your Branch Card at over 55,000 ATMs nationwide for free cash withdrawals, or shop in-person and online at any Mastercard location—from groceries to gas to everyday purchases.
Branch empowers you with earned wage access, allowing you to advance up to 50% of your wages on-demand when your employer participates. This flexibility means you can cover unexpected expenses without waiting for your next scheduled payday. Unlike traditional banks, Branch eliminates overdraft charges, in-network ATM fees, and other hidden banking costs, making banking truly fee-free.
Access powerful financial wellness tools designed to help you make smarter money decisions. Earn cash back rewards on everyday spending, track personalized spending insights, and manage recurring bills and subscriptions directly from your account. Contactless payments are built in—simply enable Apple Pay or Google Pay for secure, on-the-go transactions.
Transferring money between accounts is instant and straightforward. Whether you're moving funds to another bank or paying bills through your digital wallet, Branch makes every transaction simple and transparent. Real people are ready to help—reach our responsive customer support team via phone or in-app chat whenever you need assistance.
Banking with Branch means taking charge of your financial life. Sign up in 90 seconds and start accessing your earnings immediately. Branch: Get $100. Bank. Budget. is your path to smarter, faster, fee-free banking.
Pros & Cons
Pros
- Access earnings up to 50% of wages on-demand before payday
- No overdraft fees, ATM fees, or other hidden banking charges
- Free debit card with access to 55,000+ ATMs nationwide
- Account setup and first transfer completed in 90 seconds
Cons
- Earned wage access only available if employer participates in program
- Requires employer integration; not all employers support Branch yet
- Early wage access may encourage impulsive spending habits
- Limited to Android platform; no iOS or desktop version available
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