Branch: No Wait Pay. | unitQ Score

The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues
-2 Points Past 7 Days
Category: Finance
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Android unitQ Score
Android User Feedback
100 Reports
iOS unitQ Score
iOS User Feedback
170 Reports
User Feedback
170 Reports
100 Reports
Branch: No Wait Pay. - Latest Quality Issues
Oct 13, 2021
I haven't been able to access my wallet all morning. I can't even make a request for customer service because the app keeps timing out before I can log in
Oct 13, 2021
Constantly removes payment before my check is deposited. Which in turn puts me in the negative. I have discussed this many times with them and they never fix or change anything. Use the "Dave" app instead. They know how to handle their customers!
Oct 13, 2021
After using Branch for over 3 years and always paying back on time without any issue I can't advance because I spend to much on pay day ....but my account always has funds. A bunch of bs. Never had this problem with any financial app .
Oct 10, 2021
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
Oct 9, 2021
Horrible!! They make promises they can't keep. They're is no instant access like they promised, and to have to pay a fee to have my funds transferred on money i have already earned is appalling.
Oct 8, 2021
Horrible. You people tell Spark there's instant pay available but there isn't!!!! Just a scamming company that holds you're earnings after Walmart sucks you in. What a Joke Branch is!!! WHERE'S YOURE SO CALLED INSTANT PAY BRANCH. A BUNCH OF CROOKS!!!!
Oct 8, 2021
I had to edit my review here after almost 2 yrs using branch. The app has not worked for 3 months now far as keeping connected to my bank acct and updated. Therefore im unable to take a advance out the app is useless to me. I was a big fan but its time to find something that works like earnin my spouse loves it and never has had a issue she speaks highlly of it.
Oct 7, 2021
I agree with NikkiG33;
Started off great. I paid back all my loans but suddenly the app disconnected from my bank for no reason. No error on my bank's behalf. I connected to my bank but then branch says I have missing qualifications; they can't view my bank transactions. If my bank is connected then there shouldn't be any problems one would think. So what started off as good for a few months soon soured and they are no help. They just say keep checking back. I have to move forward. I'm wasting precious time. An app either lives up to my expectations and have skilled support staff or I delete app and find someone that has a more professional set up.
Oct 6, 2021
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!
Branch: No Wait Pay. - Product Description
Get paid your money and tips instantly and receive your full paycheck early*! Sign up is free and easy. No fees, interest, credit checks, or membership costs.

Branch makes it easy for workers to grow their finances with a free digital wallet -- in fact, we’re helping them save thousands of dollars per year on overdraft fees, monthly fees, and ATM fees alone.

Hundreds of thousands of workers enjoy the following benefits…

Get Paid Instantly
• Free, fast access to your money, tips, and reimbursements
••• Get paid instantly up to 50% of your paycheck when you need it.*

• Up to two-day early full paycheck
••• Add your paycheck to Branch and get it early.*

Fee-Free Digital Wallet + Debit Card 

• Zero-fee digital wallet with Branch’s Mastercard debit card
••• Say goodbye to hidden bank fees, overdrafts and ATM fees.

• Access 40,000+ free ATM’s whenever you need cash
••• Use your debit card across all locations in the United States.

• Contactless payments and instant set-up with Apple Pay & Google Pay
••• Use your debit card immediately after set-up through your phone or Apple Watch.

• Instant refund on gas holds at the pump
••• Forget about those pesky pending gas holds and only charge what you fill. 

Pay Bills & Transfer Money Easily

• Move money instantly between your other bank accounts
••• Easily transfer money from a family or a secondary bank account to Branch.

• Pay your bills, subscriptions, and auto-payments. 
••• Use your Branch Wallet to pay for recurring bills and auto-payments. 

• Lose your card? Block your card instantly in-app
••• Take control and keep your account secure by locking it.

• Feel safe with top rated EMV chip card security
••• Your data is safe and secure with EMV backed chip card and in app pin security.

• Responsive customer support
••• Friendly support from real people available on email, phone, and chat.

Use the funds in your Branch wallet to handle your daily purchases like buying gas, paying your bills, and tackling emergency costs.Branch helps you avoid late fees, overdrafts and credit card debt! 
If you have any questions or comments, please reach out to us at support@branchapp.com


*Timing and availability may vary depending on the employer’s deposit schedule.

There is no cost to use the app or Branch debit card. However, you may incur a small fee if you choose to transfer your funds from the Branch account to an external debit card or account instantly.

Banking Services provided by Evolve Bank & Trust, Member FDIC. The Branch Mastercard Debit Card is issued by Evolve Bank & Trust pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.
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