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Branch App review

This free checking account features early direct deposits and free instant paycheck advances.’s rating: 3.4 / 5.0


Branch is a free checking account offering unusual perks like free instant paycheck advances and early direct deposits. But the account is currently waitlisted and it’s only targeted to hourly employees.

$0 per month



Minimum deposit to open


Fee$0 per month
Minimum deposit to open$0
ATM transaction fee$0
Out-of-network ATM fee$0
Overdraft fee$0

Review by

Cassidy Horton is a writer for Finder, specializing in banking and kids’ debit cards. She’s been featured on Legal Zoom, MSN, and Consolidated Credit and has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. When not writing, you can find her exploring the Pacific Northwest and watching endless reruns of The Office.

Expert review

Branch is ideal for hourly employees looking for a checking account with unique features like early direct deposits and instant cash advances. The account is completely free and there are no minimum balance requirements.

But you must manage your account through the mobile app and you can only reach customer service through the contact form on its website. You can’t call or chat them if you have questions.

How do I open a Branch account?

Open a Branch account and add yourself to the debit card waitlist in five steps:

  1. Go to the provider’s site and follow the steps to apply.
  2. From the Branch website, download the official Branch mobile app from the Apple Store or Google Play Store, launch the app and click Sign Up.
  3. Enter your employer’s name and location and click Find My Workplace.
  4. Select your employer from the list and click Continue.
  5. Enter your name, email address and phone number and click Verify.
  6. Connect a bank account and add yourself to the waitlist for the Branch card.


You’ll need to meet the following requirements to open a Branch account:

  • Minimum 18 years old
  • An existing checking account to link to Branch
  • Social Security number

Required information

Have the following information on hand when you open an account:

  • Full name
  • Date of birth
  • Employer’s name and address
  • Residential address
  • Social Security number

What are the benefits of a checking account with Branch?

When you open a Branch account, you’ll enjoy features like:

  • No monthly fees. Branch never charges monthly, overdraft, ATM or membership fees.
  • No minimum balance requirements. Account holders don’t have to worry about keeping a certain dollar amount in their account every month.
  • Paycheck advances. Get a free instant advance on your paycheck with the Branch debit card.
  • Early direct deposit. Receive your paycheck two days earlier when you have direct deposits going into this checking account.

What should I look out for?

Potential drawbacks of Branch include:

  • Waitlisted debit card. You’ll need to open a Branch account and hop on the waitlist to save your spot in line.
  • Employers required. Branch recommends users to sign up only if their employers are registered as there are features that are unavailable to individuals.
  • Limited support. There are no physical locations to bank — you can only chat with customer support through the contact request form on its website.
  • Mobile app only. Branch doesn’t have a web-based version of its service, so you’ll have to manage your account entirely from your phone.

If you think a standard checking account with a high APY is what you’re after, shop around for other options.

Branch’s ATM network and fees

Branch doesn’t have an ATM network, so you’re free to use any ATM worldwide. The company doesn’t charge any ATM fees, but you’re still subject to operator fees.

Compare with other checking accounts

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
55,000+ free Allpoint ATMs worldwide
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $150 bonus when you spend $1,000 in your first 60 days.
NorthOne Business Banking
Finder Rating: 3.4 / 5: ★★★★★
NorthOne Business Banking
withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs

NorthOne Business Banking is an all-in-one solution for small business owners, startups and freelancers. It boasts unlimited free transactions, subaccounts, and robust bookkeeping integrations.
Citi Priority Checking
Citi Priority Checking
Over 72,000 fee-free ATMs in the U.S.
Secure online banking and access to cash with one of the largest networks of fee-free ATMs in the US. Earn up to $1,500 when you open an eligible account and complete required activities.
Finder Rating: 4.6 / 5: ★★★★★
4.00% on balances of $0.01 to $2,000
over 40,000 in-network Allpoint ATMs in the U.S without ATM fees
Current is a mobile-only account with spending and savings tools. Additional features include no overdraft fees and free AllPoint ATM access.
Finder Rating: 4.8 / 5: ★★★★★
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
More than 85,000 ATMs nationwide
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.
First Citizens Bank Free Checking
First Citizens Bank Free Checking
1,100+ First Citizens Bank ATMs
First Citizens Bank Free Checking stands out for its built-in finance tracking tool, Manage My Money. Available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV, and WI.

Compare up to 4 providers

How do I deposit or withdraw my money?

There are a few ways to deposit and withdraw money through Branch:


  • Direct deposit from an employer
  • External transfer from another bank
  • ATM that accepts cash deposits


  • ATM using your debit card
  • Cashback at a retailer
  • External transfer to another bank

What other checking options does Branch offer?

Branch doesn’t offer any other checking accounts.

Frequently asked questions

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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