Earned Wage Access

Free, on-demand access to a portion of wages before payday.

Access up to 50% of earned wages
No changes to existing payroll
No pre-funding or escrow

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.

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.

Faster access to wages is a top benefit desired by workers applying for new jobs
80%
Have less than $500 in Emergency Savings
[Branch Report]
96%
Employers say it helps with talent attraction
[ADP Earned Wage Access Report]

Fueling the Future of Workforce Payments. Ready to learn more?