Branch: A Better Payday

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.

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?

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.

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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.

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I used Branch a few times when my family and I had hit a rough patch. I got paid a couple days early because of the thanksgiving holiday, and now, 3 paychecks later, they're claiming that I don't have consistent paychecks and am no longer eligible for any advance because I got paid 2 days earlier almost 3 months ago. Yet if I had a longer pay period, that wasn't an issue. WHAT?!?! My repayment went through, I got the confirmation email, and unfortunately needed a little help again, only to be told that I no longer qualify because of an issue on their end that they supposedly can't fix or override. When I attempted to call them out on conflicting information, they will no longer respond to any attempts at contact. So I am now $398 short because of their inability/unwillingness to acknowledge and fix issues with an app that THEY created. It was helpful at first, but now it's become a nightmare. Or, in their words, "an inconvenience."