Earned Wage Access, Built Your Way
Give your workforce on-demand access to a portion of the wages they've already earned—before payday, without changing how you run payroll.
- Access up to 50% of earned wages
- Two models—Core and Flex—to match your business needs
- No pre-funding, no escrow, no third-party risk
Faster access to wages is a top benefit desired by workers applying for new jobs
Have less than $500 in Emergency Savings [Branch Report]
Employers say it helps with talent attraction [ADP Earned Wage Access Report]
Higher shift coverage when customers implement Branch [Branch Data]
Two Models to Offer EWA
Branch offers earned wage access through two models—allowing you to launch fast or integrate deeply, depending on how you operate and how you'd like to manage repayment.
Flex Model
Lightweight, quick to deply
- Built with workplace roster
- Embedded directly into your platform or app
- Revenue sharing potential
Core Model
Fully-integrated into your payroll process
- Built with time & attendance or payroll integration
- Make payouts through Branch App or Branch Direct
- Offer workers up to 50% of earned wages ahead of payday
More Than Just EWA—a Comprehensive On-Demand Pay Platform
Boost attraction and retention
Earned wage access and other on-demand pay options can increase retention rates by as much as 37%—and workers are 2x as likely to apply for a job if they're offered (Branch case study).
Gain a competitive advantage
Fast, flexible access to wages helps you stand out from the pack when applicants are weighing their options for job opportunities.
Change lives, not payroll
Without on-demand options, many employees fall victim to predatory payday loans or high-interest credit cards. Offer a simpler solution: a free way to access their own earnings if they need it.
Free options
No overdraft fees, late fees, or minimum balance requirements. Plus, no pre-funding, interest, or changes to payroll needed.
Full digital banking experience
Workers can receive a Branch digital account and debit card they can use to save or spend their earnings; they can also transfer funds to other accounts.
Currently only available in Core EWA.
Built-in financial wellness tools
Workers can earn cashback rewards, see personalized spending insights, and automatically contribute to their savings.
Currently only available in Core EWA.
Frequently Asked Questions
Offering EWA comes at no cost to your business. Workers can access their earned wages for free via their Branch Wallet instantly or to an existing bank account via standard ACH transfer, or they have the option to move funds instantly* to a connected debit card for a small fee.
Offering EWA comes at no cost to your business. Workers can access their earned wages for free via their Branch Wallet instantly or to an existing bank account via standard ACH transfer, or they have the option to move funds instantly* to a connected debit card for a small fee.
Yes. Companies can embed Branch's Flex EWA directly into their existing app or website, giving the employers they serve a popular benefit without building it themselves.
Yes. Branch can offer EWA in all 50 states.
*Most instant transfers are usually completed within 30 minutes but may be delayed by service disruptions or connection issues.