Does this impact my credit?

No. Only credit products can affect your credit score, and Branch only supports debit products. In comparison to other banking accounts, the only instance this card can be tied to your credit is if your account is closed with money owed (multiple overdraft fees you don’t pay over a period of time). The bank could escalate this matter to collections, which involves your credit. 
 

If believe your account to be overdrawn, please contact Branch.