Branch: No Wait Pay App Reviews

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They do not care especially during a pandemic. I was out of work sick and on quarantine for 2 weeks so I did not get paid 1 week. After having about 5 perfect loans with Branch of only about $25 and paying back on time, I asked if they could give me one week extra to payback a $25 loan (about 3 days before the loan was due) since I had been sick. They said no. They hit my account for $25, which my bank paid, but also then charged me $35 (which was more than the loan itself) all because branch refused to give me one extra week. Then once Branch was paid they then refused to give me a loan when I needed it most. I guess it’s because my bank is in overdraft, but it’s because of them not being flexible or compassionate for a customer who has been exemplary with past loans. This is too much BS for $25. I work with Brigit and Earnin and they were very flexible on much higher loan amounts of about $100 each. I would use those apps again and again, but I have now deleted Branch. It’s a scam and your typical predatory lender. Don’t get this app.

So convenient.. Soon as I start my work week and get my hours for the first day I can already cash out money the next day. And how much you can cash out just depends how many hours you worked. and the more hours the more you can cash out. Even after you’ve already cashed out once for that pay period you can cash out again if you’ve worked more hours. It’s just so convenient if you need some extra money before your actual pay date. Just that 2.99 transfer to bank fee I’m not a big fan of lol cashapp doesn’t charge as much. Other than that it’s great love this app :) thank you branch!

It’s great until something goes wrong. I have used this app for almost a year now and I’m honestly on the brink of deleting. They’re customer service is horrible so if something happens to the app or say you get a new debit card or change employment, Good luck on getting a response. I will be deleting soon as I have contacted them 3 times about the same issue. When i did get a response it was “everything looks good on our side” then nothing.I believe this happened before when I had an issue a couple of months ago. Other than their customer service and how they deal with customer issues the app is cool. I won’t give any stars though because it is really ridiculous that I feel like I have to chase and send so many emails just to get a response that doesn’t relate to my problem because the app is not working properly. Save your time.

A joke. My account was charged twice and yes that issue was resolved but I am not able to advance now after paying back the full amount on time every time. When I first signed up I didn’t qualify because of infrequent card usage/spending and now it’s id day I can’t advance due to too frequent of card usage! Qualification guidelines need to be adjusted along with bug fixes in the entire app as of Friday this app is junk! I have emailed support numerous times to get an automated message in reply and it has ZERO helpful information in it...I was also somehow CC into a support email with other app users and was able to see all of there screen shots from their accounts being double charged over the weekend I feel that is a total violation of others privacy and I know I don’t want to share info like that with others especially via email GET IT TOGETHER!

Used to love it, not loving it so much now. I’ve been using Branch for a while now and it’s been great, up unto the last 2 advances. My pay has never changed and I’ve never missed a payment. It has always been consistent. I build up to a 450 dollar advance loan and just recently the last two loans went down to 300 and 227. Nothing has changed, I have the same pay and the same direct deposit schedule. Plus my money on payday, especially on the last direct deposit of the month, it’s when I spend the most because of my mortgage payment. But that never had any issues or has it affected the limit on my advance. I have emailed customer service and basically they told me that they can’t do anything about it because it’s the system that tracks everything. It’s out of their hands. Now that’s incredibly really hard to believe that they can’t do anything on increasing or decreasing the advance. They are the software developer and they can’t do anything about that??? It just doesn’t make sense.

$10 transfer fees. Like the title says, $10 transfer fees, by far the highest I’ve ever seen. Just a money grab. They use Plaid to do free bank to bank transfers in 3-5 business days, and Plaid uses Plaid Portal, which does not allow you to authorize data sharing which means you cannot perform bank to bank transfers using their platform. There is also no way to contact or review Plaid for assistance. If this is the type of partnerships Branch has, I worry all our pay is at risk. Also, making it so you have to use 5 separate companies to transfer money is needlessly complicated, and is ripe for abuse and technical issues. This all appears to exist to force you to pay the fee. Once again, someone is trying to fool us with the illusion of choice. I wonder what the SEC thinks about this? Update: Support is useless and will spend more time promoting themselves and their customer survey than addressing your issue. If you have a pay problem, it is simply your problem and the money is gone.

Decent for banking, could use improvements.. All around ok experience so far. I do get paid 1 day early (even though they advertise 2 days early). Customer service is somewhat helpful, but it takes anywhere from 24-48 hours to get an answer. When you have a banking issue, this time frame is typically a big problem. When transferring money, it takes out a fee, which WOULD be fine… but it takes it from what you’re trying to transfer, which leads to multiple transfers with multiple fees. All in all, I don’t hate it enough to go through the process of changing it, but you would probably have better luck using a different app until this one makes several changes.

Don’t use!. Not even worth a star! They are liars, and it’s a waist of time! The app can tell you your qualified in every area, and when you contact customer service they will say, “Recently, there were several new factors taken into consideration when qualifying for earned wage access. Many of the factors were related to historical on-time repayments. However, visibility into the specific factors is not available. We understand that this is a difficult time for many people and that these changes can be challenging. Earned Wage Access requirements are continually evolving, and we do not guarantee qualification each pay period. With unprecedented times ahead, we are doing what we feel is necessary so that we can continue offering our service to as many people as possible, for as long as possible.” So you understand it’s hard times yet you don’t give your customers real reasons why they don’t qualify! Concrete reasons they can fix or work on! Yet, according to their app says I meet all the criteria and the fact that 3 weeks prior I qualified just fine! The app tells you things yet customer service tells you something different! they are not worth it, if you have them leave them, all they do is lie! Save your self the headache!

Hella decent. Overall a pretty legit app, definitely has helped me make rent on time when I was short and payday not til the next week. It can feel lame on payday when the check is small from the deduction but I just remind myself that I’m basically getting the money from that check earlier which after a while you get used to it and it’s nice to be able to get my money early when I need it since living paycheck to paycheck it’s not uncommon to be flat broke the week or payday so having the option to advance is super convenient. Only downside is that sometimes it takes a little bit of time for work to get the hours reported to branch, if it was always daily hours update to it that’s the only improvement really I can think of, and that might be the fault of my work as well. So definitely a solid 4 stars for sure if your work offers the branch service it can be very helpful at times.

Mostly good with very inconvenient inconsistencies. To me this app isn’t consistent with the cash outs. Usually I’m able to take an installment out within 24 hours of them processing my payment. I thought they were getting better because They even let me cash out on the same day with the last installment. However, now I see that there is a 3 business day processing time which is fine. But even after that, I’m still unable to access a loan because I’m being told that they’re “verifying my direct deposit.” Why would they need to verify my direct deposit when I’ve been using this app for months? I work for the same company with the same Biweekly Paytime and the same bank account. Then I’ve emailed customer service over 48 hours ago and still no response. Yet they took the last installment a week ago. I understand glitches, just wish customer service was more convenient. Maybe provide a chat feature?

Not the best. I recently had $146 worth of fraud on my account from someone ordering from Chipotle Online with my card. I called the fraud number Branch gives, was told they’d cancel my card, which would take 7-10 days to receive, with having no expedited forms of shipping the card and no way to get my money in my account unless I move it to another account with another bank and wait 3-4 days to get it. Then because the charges were “pending” I was told there was nothing they could do until the transactions were “posted”, and to call back then. I called back and was told I won’t hear anything for 45 days, for them to investigate. Yes, 45 days to get my money back! Thank God it’s only $146, but that’s still a good bit of money to wait 45 days for!! I was given no reference or confirmation number or email that a dispute was filed, just told I’ll hear from the fraud department IF they find something. The representative on the phone was completely unconcerned, and could care less. So here I sit, out $146 for 45 days, all my money in my account trapped for 7-10 days til I get my new card. Unreal! The only benefit to Branch is the money spotting if needed and the easy app to use. I’ll be moving my money out of Branch immediately, and will not refer them.

worked great for awhile…. Everything was smooth sailing for awhile. I was able to do instant pay cash advances without a problem. In the past month I’m being hit up constantly to open a direct deposit checking account, and I’m being told they can’t verify my pay cycle with my bank anymore, even though nothing has changed on my end. I’ve contacted support twice and both times they said my bank was having an issue with Plaid and this could be an intermittent outage issue, and to keep checking back to see if it gets resolved. (Other apps used simultaneously have seemingly had no issues connecting my bank with Plaid). They seem to be in no hurry to resolve their tech issues and seem to be placing more restrictions on customers who previously had none and for whom nothing has changed. Is this an intentional business strategy to coerce users to open accounts, because it’s really annoying and only going to lose business in the long run. Why should I trust them with my direct deposit when their basic services are having issues? Hey, Branch - resolve the tech and approval issues with your basic offerings BEFORE asking your customers to upgrade.

Do NOT use this application if you don’t have too . Ridiculous. This application is super ridiculous. First time I ever tried using is has been a disgrace. Had no problems login in prior to my pay date which is today. As soon as I got the notification that the money hit the account I tried to log in to cash out. All of a sudden the application doesn’t work . Extremely sketch. Been over two hours of trying to use the application updated it, deleted and redownloaded the application same result . Tried contacting customer service all the said is that theirs Heavy traffic and don’t have a time frame when I would be able to log in. Can’t believe this. So inconvenient especially the first time using this. Still haven’t been able to log in as I type this . What a pathetic application

VERY HORRIBLE!!!. So I would use this app from time to time whenever I would get in a bind and at first they were excellent! Never had any issues until recently; I paid back an advance and about two weeks I was needing a little extra cushion so I tried to get another advance. HUGE MISTAKE! It kept telling me that my bank wasn’t supported which I found pretty odd because I’ve been had the same bank since forever! Well anyway I have to do some digging and basically found out that if I wanted to get an advance I would basically be forced to switch my direct deposits over to their card!! ARE YOU KIDDING ME?? I instantly tried to delete my account with this horrible app and basically you have to call in to cancel your account with your information and they will follow up with you in three business days!! Yea I will NEVER use this app or its horrible services again

I USED to love this app..... This app USED to be super amazing. As a single working mom working as a frontline healthcare worker, with zero help, this app was a Godsend for me. I “make too much” to get any kind of help yet I barely scrape by between paychecks. When I had an unexpected emergency expense, I discovered Branch and the instant pay advance came to save the day! It saved me on multiple other occasions through this whole COVID fiasco - where the responsibility falls on me, is that I kept the app for when I had emergencies and depended on it being there when I needed it. Payday came and they took their payback as scheduled - I had to take a week off work due to a potential exposure situation and was going to depend on Branch to get me over the hump. Except when I went to go take out an advance, it said I didn’t qualify. They have changed their structure so that you HAVE to have your direct deposit out into a Branch Bank Account (vs depositing it into your regular bank account). Then you have to wait until you have had multiple direct deposits before you are eligible. We all have enough stress in our lives and enough other things to keep track of. The last thing I want is another account and have to change my direct deposit info and then have to wait a couple months. I doubt they will, but it would be nice if they would go back to their previous structure.

No help. So the app still says I qualify for an advance, that I meet every requirement, but somehow I can’t have one. It makes no sense and after waiting a week to respond “Greg C” gives the same answer the he replied to here. He says they’ve changed qualifications and requirements but he can’t see if I meet them or not and why. I told them it says I meet them all, assuming there’s some sort of error. He again sends the exact same message. I told him again and still received the same answer. I feel like this started happening to a lot of people this past month and branch is doing some shady stuff....disconnect your banking info and let it go because I feel like they are up to no good. This app was great for a year, no issues. I’ve had no changes to anything. Suddenly it said I met all the qualifications but yet I didn’t qualify. No change in pay, job, bank etc. Everything had been the same as the last 12 months. I contacted them on November 25 to find out why and haven’t heard back. They only have the messages for support but no one contacts or anything. It use to be my favorite app for that but now my mind has changed. Not because of the issue as much as it’s because their “support” obviously isn’t really there.

A Serious Relief. I switched to Branch after my job started offering it. It’s simple, and convenient. I love that (for my job) there aren’t any fees to take an advance. I also like that the advance comes out of next week’s paycheck and not the current week’s paycheck (other apps take it from the current week’s check, which sometimes puts me in a similar financial bind that causes me to borrow each week until I bounce back). I like having the extra time to be able to pick up extra hours or work a little on my side job to balance out what I’ve borrowed. Transferring from Branch to my bank is simple enough, and the instant transfer fee is reasonable. I enjoy having a plan B for unexpected expenses or to prevent over-drafting my bank account… and Branch is NOT predatory like some other services/apps out there (in my experience). I’ve had absolutely no issues with Branch. I like this service much more than competitors and will not be switching back. My only suggestion is to give an option to advance pay directly to my bank account. I totally get that the Branch account/card has its purpose for some folks, but for me the extra steps are unnecessary. If I could opt-in to pay the instant transfer fee on the same screen that I sign up for the advance, and then it all be done in one tap, that would be perfect.

Used to love it, now not so much. The app used to be great, now for the past 6 months I don’t qualify for an advance because I “spend too much of my earnings on payday”. I have multiple income sources and if I borrow money it’s always paid back. Branch should worry less about where my money is going and more about how long I’ve been a customer and paid back my loans. I may have had only a few instances where the payback was late, but only by a few days depending on deposit availability. Each time I ask support I’m told my ability to advance is reviewed each pay period yet nothing has changed. It would be nice if they were more like Earnin or Brigit where my transaction history doesn’t matter, only my repayment history does. I’ll change my rating when this company changes its policies.

Good Luck using this App if you don’t plan to have your money Direct Deposited through them!. This app is such a mess now that they have “updated” or whatever they call it. I have consistently used the same debit card as my external method of payment for over a year with the company. The company ADMITTED they were having issues with Plaid AND anyone who had Bank of America. I was no different. So when they went to collect my instant repayment, the Plaid issue caused them to have to use an ACH withdrawal from my account versus repay from the debit card. I have contacted support 900 times after I have not been able to take another instant because Branch placed a block on my card because the ONE time they had an issue pulling my payment back with the card. Mind you they were still able to collect the money using the ACH method. Now supports excuse (and I guarantee you will be the company reply to this comment) will say “oh we had some updates and we just must (all of a sudden) not accept your debit card due to verification issues” OR their other favorite “to prevent this hassle please set up your direct deposit with us there are lots of benefits” So in turn they are forcing me to sign up for direct deposit in order to use instant pay ever again. If you don’t believe me check back for the company’s response once they respond to my review!

Used to love until they changed the Instant Pay. I used to love love love love love this app!!! It was actually my favorite! & I have used alllll the other apps including Brigit, Dave, MONEYLion, Grain, Cleo, Albert & about 3 others & by far Branch & MONEYlion was my allll time fave until they just now changed that they no longer will be having the Instant Pay feature. This was actually why I used the app & was so helpful to me. I always always paid back on time & was allowed $500 for my pay period which helped me so much but now there is absolutely no use for this app! I do not see why they got rid of it. There is already so many other banks out there for this just to be another banking app. So yes, sorry Branch but I gotta delete you now. Unless you go back to why I loved the app, I will be using MONEYlion for all my services now. Plz reconsider & go back.

THEE WORST CUSTOMER SUPPORT!!!!. If I could rate no stars that’s exactly what they’d get from me… I’ve been trying to reach them for well over a week and either the “priority support” line continuously rings until it ends the call or a voicemail comes on telling you the voicemail is full!!!! You can’t leave a message for them to get back to you in a timely fashion and when you reach out to support via chat or email you won’t receive a response for a good month and then when you do receive a response it’s from an earlier inquiry and has NOTHING to do with your current issue!!!! For some reason and my calls get rerouted to ddi for my branch support which is redundant at best because you continuously get rerouted between the two never getting an answer just then blaming each other 🤬🤬🤬🤬🤬🤬 Then I’m told ddi has only 10 employees!!!!! 10 EMPLOYEES!!!!! Really?????? For a nation of gig workers???? Really???? EXTREMELY UNRELIABLE!!!!!! Get rid of your branch accounts and get a different gig of the gig FORCES you to get an app to get paid!!!! 👎👎👎👎👎👎👎👎

Experienced many issues and support has lacked. When I first started using Branch it was incredible! I am a salaried employee therefore my paycheck never changes so at the very beginning of using the app it was consistently increasing my advance. But then one paycheck it went from $400 all the way down to 165 and they stated it was because they were tracking my direct posit incorrectly. However after fixing it they never increased the amount for my advance. I had to email in four different times before I finally got the same response three times in a row. Fast forward to this most recent paycheck I paid back my loan in full six days ago yet it still states that it’s pending even though it was only supposed to be three days when I write into support I get absolutely no response. I would say that I love this app if they could actually fix the bugs.

Branch is The Greatest!. This is by far the best way to borrowing money if your low on cash and don’t want to pay all the interest and fees when taking out a personal loan. You do have to have a steady paycheck coming in, the max you can borrow is 500$ and you don’t get that the first time you borrow. If you are on time with your payback when you borrow every time the limit to borrow increases. Remember 500$ is the cap! Please make sure your pay date is correct, because if not your payback to branch want be on time which will cause branch to pause you from borrowing for about 15-30 days! If your considering Branch, you hit the spot! Better than Dave!

Not a reliable anymore. Branch used to be very good and now it is not. That’s why their rating is high but please read the recent reviews. They don’t give you a consistent advance like the other apps. Then I have needed money badly on three different occasions in the past year and they couldn’t update my bank so no advance. Another time they couldn’t contact Plaid. They sure were able to collect my money so I must have gotten paid. Their customer service is absolutely nonexistent. I have not received any response from the last three times and just decided to write a bad review this time because my bank account won’t update again. Thankfully Earnin helped me out because I was in need. The funny part is they keep promoting direct deposit and I absolutely would never rely on Branch for my source of income if they can’t even respond to messages.

So it was a 5 until it became a premium feature.... So I was using the app for specifically using the schedule upload so I could see my schedule. My first go around I was at another store with a small crew and I got 90% of them on to add it. Now I’m at another store and I have been trying to get my crew to add it. But either I get told they don’t have the room or they have a set schedule. We also have too much people come and and go. I would understand getting your paycheck early would be a premium feature and maybe editing/swapping shifts.... I would try to get my bigger boss to get this but they already started using a different app. And the only way you can get premium is to contact the team? Too much work for just one person to use. If there was option/setting that showcased different memberships like 99 cents a week for the schedule upload (that I might consider), $4/week for everything, etc... I would consider staying. Other than that gripe, it is a good app for company/store who want to actively stay in contact with your employees... but if you are individually just getting it. Pointless.

Loved using this app and then all of a sudden I couldn’t get approved for an advance. I have used this app for months and it has always been a great way for an advance on my paycheck when I’m in a pinch. I mostly was approved for advances and when I wasn’t they explained why and I was usually able to correct the issue. I recently paid back an advance from them on a Friday and was notified that it cleared on a Monday and I could try for a new advance. However, when I tried for a new advance it denied me. I waited a couple days and still was being denied. The most frustrating part is I met every requirement. The only thing it kept telling me was I didn’t qualify for an advance but there was no reason why. I tried emailing their support team who said they couldn’t help me because they can’t see why I am not approved. It makes no sense that they couldn’t see that info. I don’t want to get rid of the app but if you can’t get approved for advances there really is no point in having it.

Raggedy “Bank”. I was forced to use this bank, due to my side gig going under a contract with this company (guess payroll expenses are cheaper and it shows). This non-bank, per them, is incapable of assisting on the account. I’ve had more then 4 numbers to contact trying to resolve a dispute and couldn’t get anyone. Finally after emailing and contacting driver support to find an operating number, file the dispute, receive my money back. 30 days after that I get another notice that says , “we’re still disputing the transaction with the merchant, so we’re reversing your credit” . Sooo every other month I’m going to be dealing with this nonsense. I don’t even want this account but I’m FORCED to use it due to the company making the mistake and posting all payments to this account for all who are contracted. I have two actual banks with tellers and customer support. I absolutely loath this company. You can and should get better!

Used to love it. I have the the app but will be getting rid of it! I had it for over a year loved it but now all of a sudden I can’t get advance! Nothing on my end has changed! I verify my debit card and it says verified but then I try to take an advance and it say “oops external card can’t be used” how? When it says it verified! When i reach out to customer service they send generic messages back or say switch to direct deposit and you won’t have any issues?? Great way to lose customers! I advise people to use Earnin or MoneyLion! Plus money lion they have a credit account to help people build their credit! I wish they would fix this issue because I loved the app and now unfortunately it’s gone down the drain! Good luck to all the people who use it because after 6months you’ll be in the same spot as me! Having them shove direct deposit with them down your throat to get an advance!

Unbelievable. Update: Thanks for the generic response. It has not changed my opinion. You don’t even have a support phone number. You are established enough as a working bank for me to trust all of my money with you. Will pay back the advance I was able to get before you gave my bank the boot and will be cancelling my account, as I see a lot of people are doing. I will also be telling people to steer clear of your app. Thank you for absolutely nothing. I have been using this app for over a year with no issues. I even signed up for their card and dealt with having to pay an extra five dollars on top of a “tip” to get an advance. Took out an advance on Wednesday night. Thursday morning I get the notification that my bank is no longer supported and that I should move DD to them. Are you nuts? I am not moving my money to a just established online bank, especially with all the horror stories I have read. Thank you, no.

Really?. I’ve been using this app for well over a year and the last few months it’s been getting worse and worse .... doesn’t seem to be able to update normally, blames my bank and plaid the syncing service ..and then offers to use there bank constantly without trying to resolve any issues ...every time I send an issue to them I get the same exact response from everyone of them ...with no sincerity or concern ... it’s just a prescriptive message they all respond with word for word exactly the same.... so I’m just about done trying..

Fraud. I had a branch account for multiple years, and it was fine. Suddenly, I started getting a ton of fradulent charges on my account. I ordered a new debit card, but the charges kept coming on the new card, even before I would have a chance to use it. This happened 3 times, and Branch made me liable for the charges all three times. I would assume since charges were made before my card was even active, that this is fraud committed by internal employees. As a result, I've moved my direct deposit etc elsewhere and requested instructions to close my account. So far, it's been 3 months and Branch has not sent me any instructions, so I suppose my account will just float around out there with a 0 balance, which is fine, I guess. Be very careful before you use Branch, especially if you can't float over $1000 in purchases that you didn't make. I've given up on getting the money back, I just want to warn others.

Disgusted. Fantastic Sams decided to use branch services for its employees to receive their tips. In the beginning it was a game changer that made the receival of my tips convenient. Later I had an issue with a merchant charge. The merchant ran my branch card 4 times explaining that I had insufficient funds. Instead,I ended up using my bank debit card to complete the transaction. Later that evening I discovered that my branch card had been charged for each swipe made by the merchant. The charges remained deducted from my branch card . I waited several days before using my branch card hoping that the funds would be returned. I called customer service and was told that the merchant had not closed out the card charges for business that week and that my funds would be returned within two weeks. I waited two weeks and,unlike my personal banking application that keeps a reliable account of each and every transaction I make,the evidence disappeared. There was no proof or record of the transactions that took place on that evening, the transactions just disappeared.I continued to call customer service. My employer gave me a supposed direct number to someone that would assist me and I was directed to the same pointless waste of time. I never got my $30 back. Who is accountable? Fantastic Sams or Branch?

Branch is a life saver!. to be honest, i was skeptical at first. I have used other apps that are for “loaning money” and most either don’t work or approve me when i have steady income or they charge a lot for a loan. Branch is amazing!! they are FREE with the option of a tip, which i do recommend because it helps keep Branch running and it doesn’t hurt to tip a little (whatever you want, $1-anything). Branch has always came through for me and one of the few loan apps i actually enjoy using. you get a new card to put money on from Branch so you keep it separate from your other money which i like because it’s like my back up card when i really need help. i recommend this app to anyone. it’s easy and payback is automatic but then after a day - 3 days (for processing payback) then you can get another loan if needed. i love this app!! ❤️

Faulty & Unconcerned. Okay so here’s the thing....this app has had problems from jump. Pulling teeth out of a dog would be a lot easier then to deal with this app. If you’re looking for an app to help you out for a payday advance this is not the app for it. They always “guess” your payday and it’s always two days after you take out the advance, which then leads you to reaching out to customer support. Trying to get a hold of customer support is so bad you’d think that were communicating through carrier pigeon. And that’s even after you’ve had to resend your email with all the info of your problems twice! So how they can’t seem to get back to is beyond me. The connection to your bank is the part that scares me the most. When I went to go open the app yesterday it had said that I needed to connect my bank again, in which I did for a total of 4 times! Makes me nervous to think that people could be trying to obtain your information. And now it says that I don’t qualify for an advance after paying them back. So there a go again writing my issues on a scroll and attaching it to a poor little pigeon that didn’t choose this life. All I’m saying Branch app....is look at your life and look at your choices because maybe app development isn’t the right career choice.

Just when I thought I couldn’t get help. I found this app and have been using it every single month since the first time I tried it, and it has seriously helped me every single month, literally can say it’s a life saver every time I just need to use a couple hundred dollars to get through the rest of the month. It also ensures I don’t borrow so much that I hurt myself for the following month and it also has helped me start to budgeting my funds a heck of a lot better then I was doing. I swear if your like me and don’t have any friends to ask for help and family is just out of the question, then do just like me and get this app because it has become the biggest help to me every time I need it the most. Thanks Branch for always being there for me.

Terrible Debit/Card Good App. After using the app for sometime I decided to try their direct deposit after hearing I could get my checks up to two days early. After requesting my card I was emailed a direct deposit form and after sending it to my HR I was in rolled that same week and paid through the Branch app (yet not any sooner I should add). I was disappointed to find out the Branch card was not excepted in many places including 7-Eleven and Quiktrip. After being declined I called their customer service to find out they did not have a specific list of places the card wasn’t excepted so it became my job to find where the card wasn’t excepted by being declined.I tried to take matters into my own hands by transferring all my funds from my branch account to my Chase account only to find out there was a limit of $300 I could transfer Per day but not before I paid a fee of $5. The rest I would have to transfer the next day for another fee.. terrible card service over I would never recommend it to anyone.

Avoid if possible only use if it’s a requirement. Where to start? This is an app ddi/spark requires you to use for payment processing. It has 0 support when there is an issue. Somehow today they changed my pin without my knowledge or consent. If you attempt to call you go straight to voicemail as the mailbox is full and has been for some time. I’m almost positive they are attempting to use bots as customer service because I get the exact same responses/prompts from different “reps/bots” through “chat” function. the one rep. that I did speak with advised me evolve is the “bank” and after having a conversation with evolve bank they provide branch there account/routing numbers but aren’t technically my bank. I’ll be leaving the platform due to the headaches just not worth time. Now here comes the fun part, trying to perm. delete this account not “deactivate” should be interesting…

Wildly inconsistent - support is essentially useless. The amount that you can take as an advance will change on you on a bi weekly basis. You can take $500 dollars one pay period, then pay it back 100% in it’s entirety, get paid again the exact same amount as before. And then for some reason only be able to take $175 dollars as an advance. This causes you to be missing $325 dollars you may have been budgeting for expenses for no real reason. Their support team can’t ever escalate an issue, solve a problem for you, or make any changes on your account, and they take 4+ hours to reply to you just to tell you they can’t do anything for you. Don’t bother with this app, just use Earnin. It’s much better and it’s consistent, they don’t punish their users who always pay them back + fees. This company needs to go out of business, help expedite this please!

Useless. I have had the same direct deposits with the same amount and it’s no longer detecting my deposits because I am unable to get the advance. I don’t recommend this service, customer service does not get back to you. I’ve messaged them twice. Once on my own and the second time was a reply to a old support message I had sent to so I can possibly pay the advance back earlier. They got back to mee almost a week after that message which defeated the purpose cause it was just paid in the regular date. I recommend everyone to us Dave! They also give you a bigger advance. Also I’m throwing this branch card in the dumpster cus it’s TRASH. UPDATE: they now claim I spend all my money on payday which isn’t true because it moved to a credit and savings account. Flawed company and system. The system never detects bank account correctly. I do not recommend anyone use this app. You better off using Dave which gives you a bigger advance and less of a hassle on getting the advance. They also created that trash bank card to steal more money from people who already need extra money so they can profit more off you. It was simple just paying the fee and instant depositing the advance in your account but no, they want to gouge cash. That’s how bad the company is doing.... Very desperate

Branch. In the beginning this app was fantastic . Even though my advances never got higher then 150 for some odd reason I continued to use it . Recently in the last few months it’s been nothing but problems . They lowered my advance to 25 for a mistake they made with taking the repayment back on time . You reach out to customer service and the answer is always “it’s out of my hands” . They take weeks to even respond to your message . Every week I take an advance have worked at the same job get paid the same time and my card and bank info constantly have to be re entered as if it were being removed . Now it’s saying my card is blocked for some odd reason now I’ve been using this app for a year and now all of a sudden it’s a huge arisal of nothing but problems with this app and their team. It’s absolutely terrible !

Poor customer service. I had taken out an advance on Jan 10. Now my paydays are bi-weekly so my next payday is January 23. I did the instant advance which cost me $4.99....no big deal. Done to find out that 4 days later (January 14) branch decided to process the payback and took back the money I had requested and received as an advance. I have emailed support multiple times regarding the issue and all they can tell me is to reply with the number associated with the account, the issue, and screenshots of needed. Which I have done. The lack of customer service from the support team is making me this close to deleting the app. If the agreed upon payback date is set for the user’s next payday. Then the money should be taken automatically on that day. Not whenever the branch app decides. Also the app should allow its users to contact a human via a 1-800 number. Not email some auto response email that doesn’t even help you nor reply in a timely manner. Horrible experience. Wouldn’t recommend.

Worst customer service. This company’s customer service is the poorest I’ve ever seen. Short hours to call them and if u have an issue and send them a message they are slow as molasses getting back to you. We need responses within 2 hours at most and from a live agent. This is our finances we’re talking here. Branch has put a hold on $150 of my money from a $25 gas purchase and this is on day 3 of holding my money FOR NO REASON!!!!! I will be moving my money elsewhere. No reason to kill my weekend activities with my family. Poor responses and they take their time responding and weekends….. non responsive period!!!! I’m done with these people. This is theft as far as I see it. I have no control over them holding my operating money for this weekend and who knows when it’ll be released. I WANT MY FRIGGING INTEREST YOUVE MADE ON THE STOCK MARKET WITH MY MONEY YOU CROOKS!!!!!

So fed up with this app. After my last pay cycle I was able to get an advance a couple of days later. The next day I noticed my daily balance notification hadn’t updated. Went into the app and it said I couldn’t get an advance because my direct deposit wasn’t detected, which was fine. Didn’t need one. But I did put in a ticket. That was almost two weeks ago and I still can’t get one. Since then I’ve submitted five tickets and I don’t get a response and it’s still not resolved. I’m betting they will take the payment tomorrow for the advance I received. If you can’t detect my direct deposits that are clearly showing on the app then you shouldn’t be able to detect my upcoming pay and not take the money out of my account. This is the worst app I’ve ever used for ANYTHING. After this payment is made, I’ll be deleting the app and spreading the word on ever platform I can to worn others not to deal with Branch. Go to Earnin folks. They have live chat and will get your issues settled in 48 hours or less. P.s. you may not be able to see this message long. The last two reviews I posted were deleted.

Very Poor Customer Experience. I give this service and app 2-stars based on poor process and customer service. Although, I love the purpose of Branch however, there could be much improvement. For starters, customer service is helpful but very slow to respond and resistant to really help with the concern. When your process has a break you should be accountable and responsible for negative impacts to your customer that result due to your system fail. Lastly, if your only means of communication with customers is via email, I’d suggest email etiquette development for your customer service team. Sorry, not sorry... Disgruntled Branch customer

Sounds like BS to me.. I’ll just leave this here, it sums everything up. I had been approved for advances for quite some time. Up until 2 days ago, in fact, all of a sudden, I’m not...and this is the response when I inquired about the sudden eligibility change. “ Thank you for reaching out. Branch has made some changes to qualifications for our users. There are several new factors that are now taken into consideration when qualifying for Earned Wage Access. Unfortunately these factors are not available to our support team and will not be displayed in the application. We understand the frustration this change causes, and we know that this is a difficult time for many people. I sincerely apologize that this change was abrupt and unexpected. With unprecedented times ahead, we are doing what we feel is necessary so that we can continue to offer our service to as many people as possible, for as long as possible

App is not advertised as it should be. So I used the app for quite some time and requested about a couple advances here and there. The one time that I did request an advance, I did it no problem. Had it sent to me instantly, no big deal. But when I tried to request ANOTHER advance, the system kept saying I didn’t qualify for one because there was no validation of a direct deposit, even though I get paid biweekly. Then I had to do all this mess to adjust to qualify and after a while it worked. However once I paid back the second advance, it STILL said I didn’t qualify, saying the same thing as it did before. So I’m like “What the hell is happening here?!” I’m trying to request an advance because I am in a rut and nothing is changing! This app is making me so mad! Something better change with this app and quick

Good tool for work life. I’ve only been using branch for a short period of time but I love the accessibility of it for all of the employees in your work force. Managers have the ability to upload schedules in and have them available right away, rather than asking them or checking them at your place of work, and you have the option to offer shifts to your peers as well through the app easily. This app also reminds you before your shift that you have to work and it’s a nice reminder if you forget! Overall enjoy the app definitely and recommend your manager and work force to try it out.

Troubles. The reason for the app is supposed to help you when you need it. The first time you download the app they send you money and you pay it back but after words If you spend too much money out of your account you no longer qualify for an advance. You will the first time but after that you don’t. Don’t depend on this app if you actually spend your money in your account to pay bills and stuff and hope that this will help when you need it. Earnin doesn’t do this. They help you when you need it and don’t get into what you spend your money on or if they think you can handle. They let you decide as long as you pay it back. Even if you pay back the first advance you get with branch they still want to choose how you spend your money and if you get an advance because of how you spent your money. They want you to download the app and get help once but after that don’t ask for help.

Not practical in today’s climate. This app is getting lower and lower on my list for its usefulness in payday advances. It seemed reliable at first but long term, especially in our current climate it is not feasible (for me atleast). They really can’t help with much on their end so don’t look for it. There’s no payment extensions available ever regardless if you have a good history with them and regardless of covid. And it will automatically pull from your account regardless of your available funds unlike MoneyLion and Dave that wait until they can take the full payment. God forbid you get one overdraft fee ..you won’t be able to get an advance for 30 days. Even if your bank refunds the overdraft fee and even if the overdraft fee was a result of something non preventable and unforeseen they do not care. What’s crazy is even if you’ve been paid and your account is positive you still have to wait 30 days. Support is always less than helpful simply saying there’s nothing they can do. I’ll stick with MoneyLion and Earnin .

Failed expectations. I'm tired of going back and forth with my employer and you guys. I've been told all kinds of things and none of you knows how to fix this error that translate to "unacceptable 400" on iphone. I made one last call to you and to my employer support department for your incompetence and terrible service. As a new customer you can know for sure that I will NEVER recommend this platform to anyone in the future. And I will make sure my feedback is heard about your failed and unhelpful service including to my employer and up to corporate and social media. You give poor training to your employees, they don't help us cause they're too lazy but your corporate is worse cause they don't care about unsuccessful customer interactions no one in this company cares about doing their job right. These are the reasons why companies like this one fail to meet every goal, get removed from the market, go out of business, shouldn't even exist in first place. I haven't been able to see my money for a month as a new customer the first time I use this platform cause UNFORTUNATELY my company does payroll with YOU. This is the worst thing that has ever happened to me, it's a scam, waste of time, don't even bother trying. Never work for an employee thats with Branch unless you can setup direct deposit yourself.

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Branch has taken my money and haven’t fulfilled there policy!!!. So the app was working perfectly fine I was able to do cash advances with no problem. I understand that it may take 3 days to process a payback payment but it never has taken this long to process my advance. I’ve written branch several times on different occasions for different things and I NEVER RECEIVE A RESPONSE!!! My bank says the payment was completed five days ago. Rather there was a holiday or not it has never taken this long and support have yet to contact me. I’m over it I’m tired of these apps and there creators bs!!! Ain’t no way it takes that long to process a payment that was taken almost a week ago. How can I get telephone support because this is ridiculous!!!!

Worst thing ever. I have been trying to use this app for the past month. I have always gotten an excuse as to why I can’t take out a loan. This last time I was told because my payday was not regular. Which was a lie I get paid faithfully every Thursday. Then the rep told me that my bank is having issues with their online which is another lie because I have been using my online banking through the app and the website constantly that is how I check my account balance. The representative who was helping me also called me the wrong name and told me to check back later This has just been a terrible experience. I would NEVER EVER recommend this app to anybody. I have never had these types of issues with the earnin app.

Rewards. The latest update now has a rewards tab, which you can earn by spending your money at certain places. For me, it’s perfect because I spend my money on food and gas, so I can earn rewards easily. Unfortunately, I will hit the rewards tab and I can’t even get past the tutorial on how to earn the rewards, and I have to close the app and open it again to see how much money I have my wallet. I love using Branch, and I love the idea of earning rewards, but it’s useless if the tab does not work.

Do NOT use this application if you don’t have too . Ridiculous. This application is super ridiculous. First time I ever tried using is has been a disgrace. Had no problems login in prior to my pay date which is today. As soon as I got the notification that the money hit the account I tried to log in to cash out. All of a sudden the application doesn’t work . Extremely sketch. Been over two hours of trying to use the application updated it, deleted and redownloaded the application same result . Tried contacting customer service all the said is that theirs Heavy traffic and don’t have a time frame when I would be able to log in. Can’t believe this. So inconvenient especially the first time using this. Still haven’t been able to log in as I type this . What a pathetic application

It was fine at first but now it’s horrible!. The app worked fine for me at first, and was everything that was needed but then randomly one day, it could no longer verify and link my debit card to my bank account and I’ve contacted support and that hasn’t been any help at all because I just keep having to try to verify over and over again and my bank is good to go, and is working fine with every other app. Support either does not get back to you or does not do much when getting back to you. I am not happy with this app at all.

Overall fantastic. Just a heads up, if you choose the “standard delivery” option, they will actually not send your advance out for a few business days on purpose. I have Chime and when Dave says he has sent the money via standard delivery, it usually shows up in my bank like 12 hours later. That is not the case with Branch, so if you really need the funds then choose the fast delivery. They will also not send you $$$ if your account is negative. Otherwise, they are a great no-fuss payday advance for when something happens and I’m afraid I won’t make it to payday.

New user. So i downloaded this app because i heard it was very similar to Earnin. This app accepts my bank unlike Earnin which is great but since signing up a few days ago, i havent even been able to send myself an advance. My card was charged for a verification that was successful and yet when i go to do the advance it says “opps cant verify account information”. I’ve been corresponding with a few ppl and there not very good about updating and getting back to you. Im willing to still give it a try and possibly change this review but given that i provided a lot of personal information and its still not working, i would not recommend its use to to others. At the moment their still “not quite sure what the issue is” even after providing many of screenshots.

Does not support chime anymore. I take out payday advance and pay them back every time. This time I paid it back it said my bank is not supported. Contacted customer service and they said they no longer support chime or varo anymore. They haven’t sent out an email or anything to their customers. They said they I would had to change my direct deposit over the on my branch card or use another bank account that’s support which I am not doing. I don’t recommend them to anybody. Even if you change you account over now they still won’t let you get an advance until your first pay check hits and your not guaranteed to be able to take out as much as u were prior to this change. Straight Bs and screwed loyal customers. I closed my account with them.

Decent for banking, could use improvements.. All around ok experience so far. I do get paid 1 day early (even though they advertise 2 days early). Customer service is somewhat helpful, but it takes anywhere from 24-48 hours to get an answer. When you have a banking issue, this time frame is typically a big problem. When transferring money, it takes out a fee, which WOULD be fine… but it takes it from what you’re trying to transfer, which leads to multiple transfers with multiple fees. All in all, I don’t hate it enough to go through the process of changing it, but you would probably have better luck using a different app until this one makes several changes.

Really?. I’ve been using this app for well over a year and the last few months it’s been getting worse and worse .... doesn’t seem to be able to update normally, blames my bank and plaid the syncing service ..and then offers to use there bank constantly without trying to resolve any issues ...every time I send an issue to them I get the same exact response from everyone of them ...with no sincerity or concern ... it’s just a prescriptive message they all respond with word for word exactly the same.... so I’m just about done trying..

Great. On the general manager of Five Guys and mine tire store uses Branch to request time off to make sure there on time for their shift it works wonderful I haven’t had any complaints actually make it mandatory but they download the app when they are hired. It’s a great app and has tons of potential. As long as they listen to the reviews and Update it when necessary. The only complaint I had branch took care of it for me and released a patch to fix it the branches great I highly recommend it to any and all bosses wanting to make your schedule easier

I love branch. This is honestly the best bank I’ve ever had. If I’m in a crunch and I need money branch let’s me advance up to $300 and it automatically gets taken out as soon as my direct deposit hits. Most of the time I get paid before pay day! There’s also no overdraft fees and you don’t have to keep a certain amount in your account either. I cannot express how helpful branch has been to me over the past 2 years but all I know is I plan on staying with them for as long as I can. Highly recommended!! Thanks Branch!

They are ridiculous. I disconnected my account because their criteria for requirements changed arbitrarily. They said if I wanted to borrow more money to make more in my paycheck. When my paycheck was more they lowered the amount I could take. Then customer service just rehashes the same canned response which doesn’t say anything substantial but if they throw it at you enough they will wear you down. Instead of repaying the money through ach withdrawal they did it through my debit card, which I don’t remember even authorizing. I am definitely going to be more careful of this. I disconnected my account because I’m pretty sure they sell information to 3rd parties. No thanks on the constant location tracking and big brother surveillance, if I get pittance in return

A joke. My account was charged twice and yes that issue was resolved but I am not able to advance now after paying back the full amount on time every time. When I first signed up I didn’t qualify because of infrequent card usage/spending and now it’s id day I can’t advance due to too frequent of card usage! Qualification guidelines need to be adjusted along with bug fixes in the entire app as of Friday this app is junk! I have emailed support numerous times to get an automated message in reply and it has ZERO helpful information in it...I was also somehow CC into a support email with other app users and was able to see all of there screen shots from their accounts being double charged over the weekend I feel that is a total violation of others privacy and I know I don’t want to share info like that with others especially via email GET IT TOGETHER!

Disappointed. I have been using app for little over a month. My checks go on fine instant pay works great. But when I transfer money from my main bank account istill after 6 day’s has not hit my branch account. Came out of my main bank days ago and still isn’t in my branch account. Where did my 300 dollars go it went into space somewhere. I’m really not happy about this at all . I would like my money either back in my bank or in the branch account either one . Ty once my problem is fixed I will change my review.

Worst customer service. This company’s customer service is the poorest I’ve ever seen. Short hours to call them and if u have an issue and send them a message they are slow as molasses getting back to you. We need responses within 2 hours at most and from a live agent. This is our finances we’re talking here. Branch has put a hold on $150 of my money from a $25 gas purchase and this is on day 3 of holding my money FOR NO REASON!!!!! I will be moving my money elsewhere. No reason to kill my weekend activities with my family. Poor responses and they take their time responding and weekends….. non responsive period!!!! I’m done with these people. This is theft as far as I see it. I have no control over them holding my operating money for this weekend and who knows when it’ll be released. I WANT MY FRIGGING INTEREST YOUVE MADE ON THE STOCK MARKET WITH MY MONEY YOU CROOKS!!!!!

Reliable. I’ve been using a few various apps similar to Branch for a couple years now. In regards to reliability, sustainability, customer service, app functionality and the services available by each app...Branch exceeds the any other app by a long shot. I’ve had my fair share of quirks with the Branch app, sure. But all of which were met with support, answers and solutions by Branch customer service. If you’re looking for an app that fulfills the services it describes with a few hidden gems in between, this app means business and is the app for you.

So convenient.. Soon as I start my work week and get my hours for the first day I can already cash out money the next day. And how much you can cash out just depends how many hours you worked. and the more hours the more you can cash out. Even after you’ve already cashed out once for that pay period you can cash out again if you’ve worked more hours. It’s just so convenient if you need some extra money before your actual pay date. Just that 2.99 transfer to bank fee I’m not a big fan of lol cashapp doesn’t charge as much. Other than that it’s great love this app :) thank you branch!

Any update?. I’ve used this for a few months now and initially I as able to take out a couple advances. For the past month now the app does not keep updated with my bank and says I don’t qualify. All payments were made on time. I emailed support and was told Plaid was having issues with updating and they do not know when it will be resolved. Not sure what happened from when I first signed up and had no issues but now it never updates my bank and always says I don’t qualify because I need two months worth of deposits which I have way more than that. I’m hoping the Plaid banking verification thing gets fixed soon because I like having this option available.

No. It’s good when u are in a bind but otherwise it’s definitely declined since I first used it . I had a mix up with my pay and instead of getting paid on weds I got paid on the Tuesday the next week, would have been Monday but we just had a holiday. For this ONE mix up they can no longer tell when I get paid like previous MONTHS!!!! So if u have 1 mix up it will throw off months of consistent pay schedule . Customer service was useless as expected and just gave me copy and pasted answers and it was 3 of them who basically said there is nothing we can do. If a robot is running your company what are u there for then?

Used to Love. I used to love this app. Had no issues with taking advances or paying and was up to $450 limit. Two months ago I switched banks and have had nothing but problems. It allowed me to take out $150 advance after my second deposit of the initial $200 it said I was eligible for. When I went back the next day it said I wasn’t eligible. I opened a ticket and was told the approval was in error since I get paid biweekly there need to be 3 deposits. Fine, waited the time required for the 3rd deposit and still nothing. Opened 4 tickets as their customer service is horrible only to be told they can’t manually add the deposit even though previously they’ve asked me for screenshots. They certainly have no issues taking my money though.

Changed for the worse.... I have used Branch for some time. I used to get an advance of about $200+. Quite recently (I’d say the last three paychecks) my max has gone down to only $25 with the reasoning being that “I spend too much from my paycheck”. That’s a huge difference and it has affected the usefulness of this app. I have consistent checks coming in from a steady job. I have always repaid my advances. No acceptable/ understandable rhyme or reason for the decreasing Advance amount. Seems like loyalty means nothing. I would much rather use Earnin and/or Moneylion ( both up to $500 max Advance ina reasonable amount of time). Shame. I really liked Branch and even use their debit card regularly. However, I can’t deal with its inconsistency

None Better!. I started using this app a couple weeks ago when I was in a very difficult spot. I received cash instantly and it helped out tremendously! Not only that but the customer service is impeccable! I accidentally put in a $100 tip which would have broke my bank, but when I contacted support they quickly fixed the issue with no problem at all. Branch, you have a loyal customer in me and I look forward to continued use of your excellent app! Keep up the good work!!!

Thieves!. So I got an unauthorized charge by Walmart and contacted the branch via email (because there’s no option for the banking part) several times asking them to refund the money . They’re just playing dumb not answering my emails and not providing an answer. Walmart steals my money and these guys because they’re owned by Walmart do nothing about it. What a shame that a company who makes billions of dollars have to steal from the poor trying to make it. Also they have a hold of 9 days or longer for any hold on your account which is ridiculous, not even big banks put a hold that long, that just shows they’re not for customers but to make themselves rich. Go somewhere else, do not make business with these thieves!

NO CUSTOMER SERVICE. I can’t call for assistance because I can’t locate a phone number the chat doesn’t work and it took almost a week for you all to take your money from my account that I borrowed also to add in to my frustration your system is telling me I spend more than I make so after you all received your money now your system isn’t allowing me to borrow anymore money after offering me a increase but what crazy is I have money in my account and I get paid next week.

God-awful customer service. Upon seeing my account was closed due to inactivity I attempted to transfer my remaining balance to my bank, but a repeated error on their app has made this impossible. I’ve exchanged multiple emails with customer service at this point and have gotten the same copy and paste responses. These responses have been so generic and unrelated to what I am asking for assistance with that I suspect they’re not actual representatives, but bots. This has begun to seem like a deliberate attempt to squeeze any remaining funds out of accounts they’ve decided to close and steal your money. I will finally attempt to give this company a call, but after this frustration I have very low hopes.

Multiple attempts to get help with account. I cannot get branch to assist with updating my account to update email and phone number so I can get a new debit card. I forgot password or email and so I had to make a new one and I have a new number and phone. I have called and talked to someone who says a case manager would be in contact and it will only take 6 hours to update my info I gave him and nothing has changed and no one has called me and the line he has me call no one picks up. I am having a very bad experience with this company. My unemployment may have went on this account and I’m lost as to who can help me since everyone is just passing the buck and I’m in the same position as I was . It’s frustrating

Good tool for work life. I’ve only been using branch for a short period of time but I love the accessibility of it for all of the employees in your work force. Managers have the ability to upload schedules in and have them available right away, rather than asking them or checking them at your place of work, and you have the option to offer shifts to your peers as well through the app easily. This app also reminds you before your shift that you have to work and it’s a nice reminder if you forget! Overall enjoy the app definitely and recommend your manager and work force to try it out.

Wish it could be zero stars. The customer service is especially bad. Very curt and passive aggressive. They actually charge you from your advance to move the funds into your own bank. It is absolutely ridiculous. So this means you’re getting shorted every advance you take. Then they want a tip. For what? For paying fees to move funds into my account. Then, when you need an advance, they’ll decide if you’re going to be eligible or not. If you’re not eligible, they’ll give you the run around about it and make things really difficult. Please do not get yourself involved in this mess. Especially during these difficult times we’re in. It can be tempting to have a little extra in your pocket, but it is absolutely not worth it. Not at all. Do. Not. Use. This. Horrible. Service.

😍. I’ve had this app for only a few months. At first I downloaded it when I heard about it from my job. I didn’t think that I would use it as much as I have. Little things come up and there’s still a week left until I get paid. It’s good to be able to pull just a little from my check just to get me until next week. It definitely make you pay more attention to how you’re spending your money.

Unable to transfer. The app gives an error when I try to setup my bank account to make free transfers. Obviously the option with fees are working just fine so clearly there’s something going on with this company. I do not recommend this app at all. After contacting customer support they can’t do anything. This app will hold your money behind a pay wall and you will get no support from them. They know this is a issue for a while now, but don’t care. Do not get this app for any reason. Spark drivers are stuck now with a company that isn’t honest. Do not even try and waste your time. Get other app that doesn’t get this issues. Venmo, Apple Pay and PayPal does not have this issues so there’s options out there.

I honestly feel tricked.. I was using branch for about a year with no problems. I did not have my direct deposit going into that account. I was told if I switched my deposit, I could get more money. When I switched my deposit, they now tell me that I cannot get an advance at all! This change happened within just a few days. The bank is horrible in general, I only switched because I needed a little additional money to feed my family during this difficult time. Thankfully I have finally found a better job, and I will NOT be getting my deposit into branch!! I NEVER would have switched it if you didn’t offer more money.

Worked and stopped working. It worked for maybe a few weeks and now my card keeps getting “blocked” or my bank has a “block” on the card. The customer service keeps stating Verified by Visa is giving them a weird error message but instead of cashing out money, the Branch system is trying to take the money out. I have reached out to customer service several times and it doesn’t help. They send a long message with troubleshooting techniques but that’s it. They don’t try and fix the problem. Earnin is a way better app to be honest. I guess I’ll be going back to them. FYI, customer service states they can only unblock your card once and they system is what’s blocking it. They can pull their payback out with no issues though.

Doesn’t make sense. I used to think this app was great, but similar to what some other reviews are saying, I suddenly stopped qualifying for loans even though nothing about my paycheck or my spending changed. They’ve flagged my account as a “high debit” account and claimed that I spend too much of my paycheck, even though I had over 800 dollars in my account on my last payday, plus my direct deposit from my employer, so I’m not sure how they determine that. I wouldn’t recommend using this app though because their explanations when you reach out to customer service basically don’t answer your questions and keep giving the same answers even when you are able to point out discrepancies in their claims. It’s extremely frustrating and disappointing.

Just use Earnin. I’m not sure how this app is rated so high. Customer service is terrible. They don’t respond and I think someone was attempting to be a jerk by leaving their response blank. Pointless. The app has all these qualifications and stipulations as to why you can’t advance. It’s just weird. It’s like one day you can and the next day they can’t find your account. It’s a waste of time and energy. You can use Dave or Earnin. Soooooo much better. I tried multiple times to give Branch a chance but it’s awful. Honestly.

Waste. Really sorry I even wasted my time with this app. Had issues from the second I downloaded it. It won’t let me add my workplace (despite it telling me to) no matter how many times I typed in the info all I kept getting was spinning circle. After two days of that I finally reached out to customer service for help as to what was going on with the app. They responded ONCE and when I emailed them back with was going on. crickets... No one ever got back to me and even after uninstalling it was doing the same thing so I said to hell with this app. If they can’t get their crap in order before I am even able to get to the sign up page then this is definitely an app I don’t need to be dealing with. I will not be wasting a another second on this trash app

Branch always come through in the clutch!. My check was not as large as I anticipated but Branch picked up the slack! Thank you! I haven’t been eligible for a advance in a month. My payroll check was short because my bonus was excluded which resulted in several insufficient funds but Branch was paid! I understand Branch is afraid of not getting paid but to freeze my access to a cash advance indefinitely is disappointing! I have always been able to pay my cash advance. I wish Branch would reconsider how they handle overdraft/insufficient funds on an account.

Horrible. All I’m trying to do is change my email and I have to jump through hoops. I have called multiple times and have been on hold an average of 45 minutes each time and get so frustrated I hang up since no one can answer a phone. I have sent emails and get one of those computer generated responses to forward my info which I have and still nothing and it’s been more then a few days. Sent another email and got that same computer generated email to send my info. I’m done jumping through hoops because these people are incapable of doing their jobs. I will make a complaint to Spark about this issue. No one should have to deal with this garbage!!!

So thankful during this global pandemic !. Branch has helped me feed my children during a global pandemic while struggling TRYING to make it “paycheck to paycheck” to take care of my family. If it wasn’t for branch helping me in between me waiting for unemployment payments, there would have been a few days my husband and I wouldn’t have been able to eat. I feel like branch has helped me more than our own government and that says a lot. So thank you branch- because I honestly don’t know what I would do without your help! -Rebecca B.

RUNN, DO NOT USE THIS APP. The worst app ever! I been doing DDI for a month now and I have to do direct deposit through Branch. I have got paid three time already and I still cannot access my money because I continue to receive an error every time I try to access my wallet. I have called and trying to get to a live person is a joke. I stayed on the line for an hour and then i get a recording “I am sorry but our tech department is busy at the moment and cannot take your call.. please leave a message.” Which the phone disconnected right after so you’re not able to leave a message. They have also took away the option for a callback! THIS APP IS A F’n SCAMMMM!!! And should be sued.

Branch Banking is Excellent. I couldn’t be happier with Branch, I have a bank account with them after using their quick cash services for a year+ With their payday advance services you basically can borrow up to a certain amount dependent on your paycheck and other factors and it has always been there for me in a pinch. I wanted the banking account to have a separate account to keep my “fun” money in so I can access it from another card for me or my boyfriend whenever I want to go out to eat or just have as play money and it has worked amazingly. They let you connect your bank account for free 1-2 day money transfers or instant fee’d transfers but I haven’t had issues with Branch. The banking services app is user friendly and the payday advance is an added bonus. I highly recommend them.

Worst app I never ever used!!!. I signed up for this app last week because my boss required me to get tips from here, after I filled some paperwork, it showed they can’t create my account because identity verification!! I mean that’s fine so I talked with agent at phone, but it took 30 minutes to get one agent to answer my phone! I called everyday, every day took 30 minutes, and on Friday, it took 1 hour!! And no one answer my phone!!! After I talked with one agent, they said they are reviewing my information but they can’t tell me when can I create my information, and for right now, I waited for 1 week more and nobody send email to me for create account information, it’s the worst app and I hope no one use it again!

Newbie…rating may change after using. I mean, so far everything seems to be ok with the exception of some minor hiccups with the app while trying to complete the initial setup & submitting for my first advance. I eventually resolved those issues with minimal effort. Also, the advance limit imposed on my first advance was a laughable $20 but I guess I understand the reasons behind it. Anyways, I was pleasantly surprised when I received an email from my employer informing me that they even participate in this program so, if the Branch app ends up being even partly helpful in a crunch, then my rating will def move to 5 stars.

Horrible service. Called numerous times about my hours not even showing in the app. No one has helped me or even returned emails. Each time you message support they are absolutely clueless on anything. Real simple I just want to access my funds but the app isn’t showing me an option. When I press instant pay it says give branch set up on my employer payroll. I’ve did that and still nothing. I will gladly change to 5 stars when this issue is resolved

It’s great until something goes wrong. I have used this app for almost a year now and I’m honestly on the brink of deleting. They’re customer service is horrible so if something happens to the app or say you get a new debit card or change employment, Good luck on getting a response. I will be deleting soon as I have contacted them 3 times about the same issue. When i did get a response it was “everything looks good on our side” then nothing.I believe this happened before when I had an issue a couple of months ago. Other than their customer service and how they deal with customer issues the app is cool. I won’t give any stars though because it is really ridiculous that I feel like I have to chase and send so many emails just to get a response that doesn’t relate to my problem because the app is not working properly. Save your time.

Good look using this app. Nobody answer I have more than two weeks trying to configure , all support says we are escalating , nothing happen , each time that you write to support or call they says 3 business days, and never answer I have my money locked , nobody write to me to solve, I call to spark (ddi drivers and they says we can not make nothing) you need solve this with branch , and branch says ….. (muted) , I have the proof about my claims, I use my card provided by Uber like Uber driver and it’s working ok) but with spark nobody’s is answering. Your support don’t work, all says I don’t have access. You need better support be cause you are working with money and the people need their money.

New to branch. I recently started my first job, and began using branch to receive my pay. I absolutely love it, and love the features it has. It helps me to know how I am spending my money. And It helps keeping up with my earnings statements, there’s so much it does that other apps don’t do. And when you have an issue they are fast at resolving it, I had added the wrong email address and they responded and corrected it very quickly. It’s a great app and i highly recommend it!!

Awful. Don’t waste your time. It starts off great, and then suddenly your account starts having issues that don’t make sense. Their information does not update quickly and often says you don’t qualify for an advance when you actually do. Their customer support is a joke. They do not respond quickly and have even sent me duplicate message which make me believe they’re not actually real people assisting you. and when they do respond, you get the run around until eventually they tell you there is nothing they can do for you. I’ve had multiple issues that take forever to get solved, if they get solved at all. Their only answer is to just sign up for direct deposit and give them all of your money. Why on earth would I do that with a company I can’t trust???

Very poor customer service. This app is terrible. My funds go on my card cool. But my mobile card and my physical card are 2 different cards. I cannot use my physical card anywhere that requires a pin as it says wrong pin when I know it’s the right pin. Then when I try to reset my pin it says my card is not even activated… I’ve tried getting a new card same. I tried ordering the chip card won’t let me do it because my other card “isn’t activated” I’ve been reaching out to customer service for 3 weeks and have gotten 2 replies and they were the same unhelpful replies. I’ve set on the phone for hours trying to talk to them and never got through. Now y’all done reached out to my email after the review but still trying to take me back to step one. Respond to the other 4 emails I sent

Absolutely horrible app!!!. I can’t believe this bank institute is still around thank god I got my last deposit from my job…customer service is a joke you wait over a hour before speaking no matter what time you call…whoever you speak with can’t help with anything! If you have a dispute they handle them via email! Which they respond every few days so if you do t like the response or if there answer isn’t helping good luck until next time and they areclosed on weekends Why have phone service in the first place!…all my deposits come late no telling when it will hit your account and cross fingers if it actually comes early like they advertised a JOKE OF A BANK actually makes me sick