Earned Wage Access
Free, on-demand access to a portion of wages before payday.
What Is Earned Wage Access?
Earned wage access (EWA)—also known as on-demand pay—allows employees to access a portion of wages they've already earned ahead of payday. Employees can request an advance if they have unexpected expenses or need help between paychecks.
The Business Perks of On-Demand Pay
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 without changing 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 to their own earnings if they need it. Plus, no pre-funding, interest, or changes to payroll needed.
Flexible Configuration Options
Branch’s EWA offering adapts to how your business operates and manages workers.
Lightweight & Quick to Deploy
The fastest path to EWA. Employees are onboarded via a simple roster model, and repayment of advances comes directly from their bank account or the Branch App—no payroll integration required
Fully Embedded
For customers who want deeper integration, Branch connects directly into your existing system. Repayment of advances happens automatically via payroll deduction, giving your finance team full visibility and control.
On-Demand Pay Is Just the Start
With Branch, you don’t just get the benefits of on-demand pay. You get to offer your workers a full digital banking experience—with financial wellness tools and rewards included.
Full digital banking experience
Workers 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.
Free options
No overdraft fees, late fees, or minimum balance requirements. Free in-network ATM options are also available.
Built-in financial wellness tools
Workers can earn cashback rewards, see personalized spending insights, and contribute to savings goals.
Fueling the Future of Workforce Payments. Ready to learn more?
