Access Your Pay Anytime with On-Demand Pay
You work hard for your money. Why wait for it?
With Branch’s On-Demand Pay*, you can get fast access to a portion of your earned wages ahead of payday, anytime. There are no fees to get an advance to your Branch account—just your money when you need it most.
*Note: On-Demand Pay is available exclusively through participating workplaces. Check the Branch App to see if you’re eligible.
How It Works
Check if You’re Eligible for an Advance
Navigate to the On-Demand Pay tab within the Branch App and see if you’re eligible to take an advance on the hours you’ve already worked.
Take an Advance
Choose how much you’d like to take, authorize the advance with your digital signature, and get your earnings deposited directly into your Branch Account before payday—for free—within minutes.
Spend As You See Fit
Use your funds online or in-person with your Branch Card immediately after they’ve been added to your wallet. Whether you’re purchasing daily essentials, planning weekend activities, or fixing a busted tire, Branch has you covered.
Access Your Pay, Your Way
Increase Your Cash Flow
There’s no reason to wait for payday. With On-Demand Pay, you can get anytime access to a portion of your wages, whenever you need it.
Enable Apple Pay® or Google Wallet™
Once you’ve taken an advance, make sure you’ve enabled Apple Pay or Google Wallet to make it even easier to spend your funds.
Frequently Asked Questions
Looking for more help? For any additional questions, please visit the Branch support center.
How much money can I take through On-Demand Pay?
On-Demand Pay allows you to take up to 50%* with a maximum of $1,000* per pay period of your earned wages before payday.
*These numbers may differ based upon organization. Check your Branch App for more details.
Are there fees associated with getting access to my earnings?
Nope! There are no fees to get early access to your earnings with Branch. Once you’ve received funds in your Branch account, you can spend with your Branch Card, transfer funds via ACH at no cost, or make an instant transfer to another debit card for a small fee where eligible.
How often can I take an advance?
You can take as many advances as you need. Just know, On-Demand Pay only allows you to take up to 50%* of your earned wages before payday with a maximum of $1,000* per pay period.
*These numbers may differ based upon organization. Check your Branch App for more details.
How quickly will my funds be available after taking an advance?
After your advance has been approved, funds are available in your Branch account within minutes to save or spend.
Other Great Benefits That Come With Your Branch App
Rewards
Get cashback rewards for spending on everyday purchases like gas, food, or other transactions with your Branch Card at participating merchants.
Savings
Put your hard-earned cash toward an emergency fund, a vacation, or whatever else your heart desires—and earn interest* on what you set aside.
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Get Started With Fast Pay, Your Way
Branch works directly with workplaces. Contact your HR team to learn more about Branch as a benefit.
3.00% Annual Percentage Yield (APY) applies to accounts with an average daily balance for the month of $500 or more. Accounts below $500 average daily balance earn 1.00% APY. APY is variable and subject to change.
Funds are held at Lead Bank, Member FDIC,, and Evolve Bank & Trust, Member FDIC. FDIC insurance covers up to $250,000 per depositor. Coverage is pass-through and applies to your total deposits across all Lead Bank and/or Evolve Bank & Trust accounts.
Branch is not a bank. Banking services are provided by Evolve Bank & Trust, Member FDIC or Lead Bank, Member FDIC (“Sponsor Banks”), as listed on the back of a user's Branch Card. FDIC insurance only applies for eligible accounts should the Sponsor Bank holding the user's funds fail. The Branch Mastercard Debit Card is issued by the Sponsor Bank pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.