Branch: A Better Payday vs Clair Utilisation & Stats

Welcome to a better payday. One with fast, flexible payout options for your earnings—whether that’s wages, tips, mileage reimbursements, direct deposit, or more. When your company offers Branch, you can receive a free digital bank account and debit card that you can take with you for life, plus free financial wellness tools right at your fingertips. And it’s all possible through our simple, 90-second signup. With your Branch account and card, you can save, spend, or send earnings however you like. SAVE Keep your money securely in the Branch digital wallet; with a dedicated Savings Goal feature you can even set aside funds for specific financial goals. SEND Send your money to external bank accounts if needed, or to peers by connecting other P2P apps. SPEND Use your Branch Card to shop in-person or online, pay for gas and groceries, and get cash for free at more than 55,000 ATMs. With Branch, you can… +Get Fast, Flexible Access to Your Earnings Branch pushes money into your account the moment your company pays you. No more waiting for bank delays or paper checks. +Create Your Own Payday If your employer opts in to earned wage access, you can advance up to 50% of your earned wages on-demand to cover unexpected expenses. +Enjoy Fee-Free Banking Options Say goodbye to overdraft charges, in-network ATM fees, and other hidden bank fees. +Access Free Financial Wellness Tools Earn cash back rewards on everyday spending, set aside funds for your unique savings goals, see personalized spending insights, and more. +Pay Bills Use Your Branch Card or digital wallet to pay for recurring bills, subscriptions, and automatic payments. +Transfer Money Easily Quickly move money between other bank accounts when needed. +Pay On the Go Contactless payments are easy to use by enabling Apple Pay or Google Pay. Sign up in 90 seconds or less and start accessing your earnings right away. Need help? Our responsive customer support (from real people!) can help you via phone or in-app chat. Banking Services provided by Evolve Bank & Trust, Member FDIC. The Branch Mastercard Debit Card is issued by Evolve Bank & Trust pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.

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Clair

We've temporarily paused Clair onboarding as we work on updates to the mobile app. New user access will be unavailable until 2025. We apologize for the inconvenience and can't wait to bring you fresh features soon! Clair is a banking app that gives you access to a portion of your earnings before payday. When you open a Clair Spending Account, held at Pathward® N.A, Member FDIC, you'll enjoy on-demand pay with access to fee-free wage advances, an FDIC-insured* Spending and Savings account with no monthly fees, and a Clair Debit Mastercard® to spend your earnings. Here's what you'll love about Clair: - Quick and easy access: Open a Clair Spending Account and take your first wage advance in the Clair mobile app after setting up a repayment method. - Freedom and control: You decide how much to advance from your next paycheck, up to a pre-approved amount determined by Clair** on an individual user-basis. - Access all the banking services you need: Get access to 40,000 fee-free AllPoint ATMs†, a virtual and physical debit card, Apple Pay™ and Google Pay, savings reminders, and much more! Learn more about Clair at getclair.com. Note: Clair is only available to select businesses. Check with your work app, time clock, or employer for an invite before getting started. Clair is a financial technology company, not a bank. Clair Spending is a demand deposit account established by, and the Clair Debit Card is issued by, Pathward, N.A., Member FDIC. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated. Clair Savings Account is established by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. While wage advances are free, certain other fees may apply depending on how users use their account. Standard data charges may apply when using the Clair app. * Funds are FDIC insured, subject to applicable limitations and restrictions, when Pathward, N.A. receives the funds deposited to your account. ** Your advance rate will depend on your individual circumstances. Limits are subject to change. † The Clair Debit Mastercard can be used for no-fee withdrawals at U.S. ATMs in the Allpoint network. Fees may apply for international ATM transactions or transactions outside of this network. Banking Services provided by Pathward, N.A., Member FDIC. ‡ The Clair Savings Account is established by Pathward, N.A., Member FDIC. Interest is calculated on the Daily Balance of the Savings Account and is paid monthly. The interest rate paid on the entire balance will be 1.98% with an annual percentage yield (APY) of 2%. The interest rate and APY may change. The APY was accurate as of 11/04/22. No minimum balance necessary to open the Savings Account or obtain the yield. You must have or obtain a Spending Account in order to obtain and open a Savings Account, and you must be the primary accountholder of your Spending Account. Savings Account funds are withdrawn through the Spending Account, and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC-insured through Pathward, N.A., Member FDIC. For purposes of FDIC coverage limit, all funds held on deposit by the accountholder at Pathward, N.A., will be aggregated up to the coverage limit, currently $250,000.00.