Branch: A Better Payday 2025.5.0

Welcome to a more streamlined payday experience that prioritizes fast and flexible payout options for various forms of earnings, including wages, tips, mileage reimbursements, and direct deposits. Utilizing Branch allows users to obtain a complimentary digital bank account and debit card, which they can retain for life, alongside access to essential financial wellness tools.

With the Branch account and card, users can effectively manage their finances by saving, spending, or transferring earnings as needed.

• SAVE: Safeguard funds within the Branch digital wallet while utilizing a dedicated Savings Goal feature to allocate money for specific financial objectives.
• SEND: Transfer money to external bank accounts or peers by linking with other P2P applications as necessary.
• SPEND: Utilize the Branch Card for various purchases both in-store and online, cover expenses such as gas and groceries, and access cash at over 55,000 ATMs without additional charges.

Branch offers several notable benefits:

• Fast and Flexible Access to Earnings: Funds are credited to your account immediately upon payment from your employer, eliminating delays commonly associated with traditional banking methods.
• Create Your Own Payday: If your employer participates in earned wage access, you can request an advance of up to 50% of your earned wages to assist with unexpected expenses.
• Fee-Free Banking Options: Avoid overdraft fees, in-network ATM charges, and other unexpected banking costs.
• Free Financial Wellness Tools: Benefit from cash back rewards on everyday purchases, tailor savings goals, and receive personalized insights regarding spending habits.
• Easy Bill Payments: Utilize your Branch Card or digital wallet for recurring bills, subscriptions, and automatic payments.
• Simplified Money Transfers: Effortlessly transfer funds between different bank accounts as necessary.
• Convenient On-the-Go Payments: Make seamless contactless payments through Apple Pay or Google Pay.

The signup process is quick—taking under 90 seconds—and users can start accessing their earnings immediately. For additional assistance, responsive customer support is available via phone or in-app chat.

Banking services are provided by Evolve Bank & Trust, a Member FDIC. The Branch Mastercard Debit Card is issued by Evolve Bank & Trust pursuant to a license from Mastercard and is accepted wherever Mastercard debit cards are utilized.

Branch also provides access to Greenhouse, a digital marketplace platform managed by MoneyLion Technologies, Inc. Users can explore various financial products offered through partnerships with MoneyLion. Personal loans showcased in the marketplace feature repayment terms ranging from 12 to 84 months with APRs between 5.99% and 35.99%. For example, obtaining a $10,000 loan with a 60-month term at a 16.21% APR would result in a monthly payment of $244.30 (consisting of $135.09 principal and $109.21 interest), totaling $14,657.87 if all payments are timely made. Loan offers necessitate application and approval from lenders, with potential additional fees such as origination or late payment fees depending on the lender's terms. Not all applicants will qualify for the lowest rates or maximum loan amounts.