Financial Wellness Tools

Cash flow management tools to help people budget better and save more.
  • Cash back rewards on purchases
  • Personalized spending insights
  • Educational financial content

Free financial wellness for all

Financial freedom should be accessible for everyone. Whether it’s through cash back rewards on everyday purchases with the Branch Card or personalized spending insights with our Cash Flow tool, free financial wellness tools are baked into every aspect of our app.
Get your employees started on their financial wellness journey

Provide smarter money management and free savings education to the people who power your business.

How it works

Instant pay doesn’t require any changes to your existing payroll process. We work with you to get an estimate of wages earned and let employees access up to 50% of their upcoming paycheck. This service is pre-funded by Branch; all we need from you is time and attendance files and a roster file; we can work with either flat files or API integrations.

How CashFlow works

Backed by research from data scientists, we provide an automated overview of your employees’ earnings and expenses. This broad overview helps simplify cash flow for users and alert them to upcoming bills and spending trends that could derail their finances.


Employees set up Direct Deposit with Branch Wallet and add recurring bills to gain real-time visibility into their expenses.


Personalized insights into earnings vs. expenses auto-populate in the CashFlow tab.


Alerts for upcoming bills and low balance help employees avoid overdrafts.

Better savings education and money management improves employees morale and retention.


Reduced Absenteeism


Improved Talent Retention

Good for Business –

  • Increased employee satisfaction and retention
  • Reduced absenteeism
  • Improved talent attraction by offering a meaningful financial wellness benefit

Good for Employees -

  • Alerts for high expenses and low balances
  • Better planning for recurring bills
  • Eliminates overdraft fees
The future of employer-to-employee payments is here.

Ready to go beyond the paycheck?

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