Branch Card

Paycard alternative
Eliminate paper checks
Pay employees instantly – even day one

Let’s be real: Paycards suck. Ditch the fees and switch to Branch Card.

Paying people with instant paycards can be convenient, but those cards traditionally come with fees for both you and your employees: Maintenance fees, management fees, ATM fees, and more. Plus, managing the paycards is a time-intensive payroll hassle. We created something better: Branch Cards.

What is Branch Card?

Branch Cards are not prepaid cards or instant paycards—they’re debit cards. Each card comes with a no-fee checking account and digital wallet your employees can use to pay bills, buy gas, shop online, or buy anything else they would with a debit card.

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 it works

Skip the costs, delays and management hassle of the paycard process and provide your employees a fee-free, full-banking experience instead.


Order a stack of Branch Cards to keep on hand.


Hand them out to your employees and you’ll be able to push funds to their account.


Add tips or mileage reimbursements.

With Branch Cards, you can push funds to your employees’ accounts instantly—even day one on the job—whether that’s paying them:
Tips + Gratuities
Reimbursements (such as mileage or expenses)
Last Day /
Final Paycheck
Rewards + Bonuses
Looking for paycards for employees? Branch Cards are Better.

Good for Business

Instantly onboard new employees
Incentivize your existing team
Replace your paycards (or at least level up)
Ditch the paper checks and HR headaches

Good for Employees

No ATM fees
No overdraft fees
No minimum balance requirements
Empowers unbanked or underbanked employees with a bank account and debit card
Faster payout of wages, tips, and reimbursements

Ready to go beyond the paycheck?