Earned Wage Access
Give Workers Access to Their Pay, Before Payday
Earned today. Available before payday.
Lumber has partnered with Branch to bring their award-winning earned wage access offering, On-Demand Pay, to your workers.
Now, your workers can access a portion of their earned wages ahead of payday, directly within the Lumber app they already use every day. No new systems. No payroll changes. No cost to you.
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On-Demand Pay
How It Works
01
Workers pick up shifts
Workers create their Branch account directly from the Lumber app and continue picking up shifts and working as usual.
02
Workers request an advance
They can access up to $400 per pay period directly within the Lumber app.
03
Get paid their way
Funds are delivered directly to the worker’s debit card for free within 2-business-days or instantly* for a small fee ($4.50 or 6%, capped at $20, per advance).
04
Automatic repayment
Funds will be recouped from the same checking account when the next recurring payroll deposit is detected, no payroll changes required.
*Most instant transfers are usually completed within 30 minutes but may be delayed by service disruptions or connection issues.
Why Everyone Loves It
A Win for Your Workforce and Your Business
On-Demand Pay is one of the most requested benefits by today's workforce.
When offering earned wage access, companies often see stronger retention, better shift coverage, and a more engaged team.
$0 employer cost, no pre-funding
Offer Earned Wage Access without adding another benefit expense. Branch uses its own capital to fund worker advances.
Support your workforce
Offering greater pay flexibility can help employers create a stronger employee experience and support retention and shift coverage.
Nothing new to manage
Branch handles worker onboarding, advance fulfillment, and worker support.
Get access to earned wages sooner
Workers don't have to wait until the next scheduled payday to access money they've already earned.
Handle unexpected expenses
Give workers another option when an unexpected bill or expense comes up.
Access it where they already work
On-Demand Pay is available directly through the Lumber app — no separate system to learn.
Choose how they get paid
Workers can choose a free standard transfer or pay a small fee for an instant transfer.
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Frequently Asked Questions
What does this cost our organization?
Nothing. On-Demand Pay through Branch is available at no cost to Lumber clients.
What does it cost workers?
Workers have two options:
- Standard transfer (2-business-day processing) — Free
- Instant transfer to a debit card — $4.50 or 6%, capped at $20, per advance
Does this affect our payroll process?
No. On-Demand Pay runs independently of your payroll cycle. Branch uses its own capital to fund advances, and repayment is pulled automatically based on each worker's direct deposit activity—not your payroll calendar.
Who is eligible?
Any W-2 worker whose employer has enabled the feature is eligible to enroll. Workers must be 18+ and will complete a brief identity verification during setup.
How much can workers advance?
Workers can access up to $400 per pay period.
Is it available in our state?
Branch's EWA offering is available in 49 states. It is not currently available in Connecticut. State-specific fee caps may apply in Indiana, Maryland, and Wisconsin.
Where do workers go for support?
Branch provides direct support to workers at support.branchapp.com. Your team doesn't need to manage worker inquiries.
Still have questions?
Can’t find the answer you’re looking for? Please chat to our friendly team.
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