Branch: A Better Payday 4+

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.

Perfect service

I have been using the Branch account for more than a year without any problem, a wonderful and easy-to-use application, and an ATM card that I use on a daily basis and for all my purchases, as well as withdrawing money from the account from CVS Pharmacy located directly opposite my place of residence.
A few days ago, I was deceived by a person who claimed to be a spark customer service agent who obtained information from me - while acting like he was verifying my account- that enabled him to enter my account, change and update the info on the account and transfer money to his account. I immediately contacted Branch's technical support and informed them of the matter. The company sent me an email telling me that they had froze the account and withheld the funds and the ATM card, and issued a new card that would that I would receive in the coming days. The next day, they sent me a message that my account is secured and advised me to log in , change the password, and then return the correct any info or data that was changed by the person who hacked into the account. Today, the stolen amount was returned to the account.
Thank you very much Branch

Developer Response ,

We are happy to hear that you had a great experience with our support team during a difficult situation! We really appreciate the five-star review! Thank you!

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.