Welcome to Branch
SCI offers drivers fast, digital payments with Branch. Your Branch Wallet and Business Card, a digital wallet backed by a fee-free business account and Mastercard business debit card* will allow you to receive, save, spend and send your funds to any bank. After all, it’s your money—you’ve earned it.
If you want to learn more about Branch before signing up, check out our FAQs below.
Your money—fast.
With the Branch App, you’ll get access to fast and flexible digital payouts.
After all, it’s your money—you’ve earned it.
Save, spend, or send money directly from your phone
Enable Apple Pay or Google Pay instantly
Order a free, personalized physical Mastercard business debit card
Earn cashback rewards when spending at participating merchants
Pay bills with your Branch Business Card or with your routing and account number
Use free financial wellness tools, including personalized spending insights and a Savings Goal feature
Discover Greenhouse, a curated marketplace featuring custom financial services tailored to your unique needs
Access 55,000+ Allpoint ATMs for up to 8 free transactions per month**
Send money for free to an external account using a standard ACH transfer or send instantly to another debit card for a small fee
Your money—fast.
With Branch, you'll get fast and easy, digital access to your pay.
After all, it’s your money—you’ve earned it.
Save, spend, and manage your money directly from your phone
Enable Apple Pay or Google Pay instantly
Order a free, personalized physical Mastercard debit card
Earn cashback rewards when spending at participating merchants
Pay bills with your Branch Card or with your routing and account number where eligible
Use free financial wellness tools, including personalized spending insights and a Savings Goal feature
Discover Greenhouse, a curated marketplace featuring custom financial services tailored to your unique needs
Access 55,000+ Allpoint ATMs for up to 8 free transactions per month**
Send money for free to an external account using a standard ACH transfer or send instantly to another debit card for a small fee where eligible
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What Our Customers Are Saying
From time and money saved to reduced staff turnover, Branch has made an impact for businesses of all sizes.
Common Questions
Looking for more help?
For any additional questions, please visit the Branch support center.
How do I set up my Branch account?
You will receive an email and/or text message from Branch. Please click the link in the message to download the Branch App, open your business account, and order a fee-free Branch Business debit card.
How do I activate my Branch debit card?
You can activate your card through the Branch App by scanning the QR code from your card’s attached flyer, or by calling the phone number on the back of your card.
How do I connect my payments to the Branch account?
All you’ll need to do is sign up for Branch and activate your card. Payments are then automatically routed to your Branch account, where you can spend from your digital wallet or with your physical Branch Business Card.
How much can I spend on my Branch Business Card?
The Branch Business Card is a business debit card from Mastercard. As an independent contractor, you can hold up to $250,000 in your account. As long as you have the funds available in your account, you can spend $5,000 per day and up to $5,000 per transaction using your Branch Business Card. In addition, you can spend up to $30,000 per month. These limits apply to typical purchases, and do not include transfers out of your account or ATM withdrawals.
How do I transfer funds from my Branch account to an external account?
Click the Move Funds option in the Branch Wallet to transfer funds from Branch to an external account. You can transfer funds instantly for a small fee by selecting the Debit card option, or you can transfer funds for free using the Another bank option. Free transfers process via ACH and take 3-5 business days.
- At this time, the limit on instant debit card transfers is $1,000 per day.
- The fee for instant transfers is $2.99 minimum, or 2% of the transfer amount.
- The limit for free bank transfers is $5,000 per day, and no monthly limit applies at this time.
Can I add other deposits to my Branch account?
Yes. Your Branch Wallet is a business account, so you can set up direct deposits from other companies using your account and routing number, which are displayed in the app after sign up.
How do I add my Branch Business Card to Apple or Google Pay?
Adding your Branch Business Card to Apple or Google Pay will allow you to make contactless purchases using your phone. To enable this feature, tap the 3 dots on the top right corner of the card displayed to open the Card Controls menu, then tap Add to Apple Wallet or Add to Google Pay. Follow the instructions from there and verify your card using the phone number on your account.
Which ATMs can I use for free?
With Branch, you have access to up to 8 free ATM transactions per month at over 55,000 ATMs through the Allpoint Network, located at retailers such as CVS, Racetrac, and Walgreens. A $2 fee will apply per ATM transaction after 8 transactions until the next month.
To find a fee-free ATM near you, click here or view the ATM locator within the Branch App:
- Open your Branch App
- Tap Move Funds
- Tap Find an ATM to see a map of all the free ATMs in your area
How do I pay a bill using my Branch Wallet?
You can pay your bills online by providing your Branch 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 set up auto pay, although these options may vary.
What happens if I lose my Branch Business Card?
If you believe your card is lost or stolen, we urge you to first lock the card. Open your Branch Wallet, tap the 3 dots on the upper right corner of the black debit card and tap Lock Card. From there, you can select to order a replacement card. A new personalized card will be shipped to your home address within 7-10 business days.
*Branch is not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. FDIC insurance only applies for eligible accounts should the bank holding your funds fail. The Branch Mastercard Debit Card is issued by Evolve Bank & Trust pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.
**A $2 fee will apply per Allpoint ATM transaction after 8 transactions until the next month.
*Branch is not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. FDIC insurance only applies for eligible accounts should the bank holding your funds fail. The Branch Mastercard Debit Card is issued by Evolve Bank & Trust pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.
**Up to 8 free ATM transactions per month. A $2 fee will apply per transaction after 8 transactions until the next month.
***The percentage of earnings available each day is subject to employer restrictions.
*Branch is not a bank. Banking services provided by Evolve Bank & Trust, Member FDIC. FDIC insurance only applies for eligible accounts should the bank holding your funds fail. The Branch Mastercard Debit Card is issued by Evolve Bank & Trust pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.
**The percentage of earnings available each day is subject to employer restrictions.
***Up to 8 free ATM transactions per month. A $2 fee will apply per transaction after 8 transactions until the next month.