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Paycheck Advance Before Payday
B9 helps working Americans access cash advances before payday.
Set up direct deposit, unlock your advance, and cash out whenever you need it.
No credit checks, No interest, No late fees2.
Subject to approval.
Don't wait for your paycheck anymore!
Additional benefits include
Everyday spending with
NO credit checks,
NO minimum balance,
NO overdraft fees.
Only need SSN or ITIN!
SSN & ITIN are accepted to open B9 Account.
Instant
cash
cash
Instant transfers between B9 members.
B9 Visa® Card
Pay everywhere Visa is accepted with your B9 Visa® Card.
B9 Credit Builder
No hard pull, no deposit! Build your credit history with B9 Credit Builder.
Click to try now
B9 Credit Builder loans are issued by Cross River Bank, Member FDIC (“CRB”) and serviced by BuildCredit LLC. Loan proceeds are deposited into a savings account provided by CRB and are insured up to $250,000. FDIC insurance covers accounts held with CRB in the event that CRB fails.
B9 Visa® Debit Card
With up to 5 % cashback
How it works
Select your personal categories
Select your top spending categories each month, and your cashback will be deposited into your rewards account right after the eligible transaction settles.
Spend at least $200
You will begin to earn cash back each month once you spend $200 within the categories selected.
* B9 is not a bank. B9 Card is issued by Evolve Bank & Trust pursuant to a license from Visa. Rewards are not offered by Evolve Bank & Trust and are instead offered and managed by B9. The Cashback Rewards Program is governed by the terms and conditions set forth in the Cashback Rewards Disclosure (“Disclosure”). You will receive the Disclosure with your Cardholder Agreement. The Disclosure will explain the Cashback Rewards Program, including the following: 1) You may earn up to 5% cashback rewards on eligible net purchases. The cashback rewards amount will be determined by aggregate spending activity at eligible merchants. Consult your Disclosure for cashback limits. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cashback rewards including: balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account. Please refer to your Disclosure for complete program terms and conditions. 2) Cashback Rewards will not expire as long as your B9 account is in good standing. 3) Undistributed cashback rewards are forfeited if the cardholder closes their account prior to the cashback reward disbursement. 4) Program subject to change. 5) You are solely responsible for any taxes that may be owed as a result of cashback rewards earned and/or redeemed under this card. Please consult your tax advisor. 6) Other terms may apply and will be included in the Disclosure.
Two plans — two strategies
B9 Advance
get $10-$250*
B9 Premium
get $10-$1,000*
* B9 Advance℠ are optional service, offered by B9 to its members that require to set up and maintain a direct deposit to B9 Account. All B9 members are informed of their current available maxes in the B9 mobile app. For B9 Advance Terms and Conditions and eligibility requirements apply. Not all users will qualify. Advances amounts range from $10 to $1,000. New users are usually offered Advances of between $10 to $50. Average approved advance for B9 Basic plan is $70 and the average approved advance for the B9 Premium plan is $291 as of December 2025. See Terms of Services or contact B9 via [email protected] for additional terms, conditions, and eligibility requirements. May not be available in all states. Their limit may change at any time, at B9’s discretion. B9 subscription is $0 for all clients whose direct deposit amount transferred to their B9 Account is more than $5,000/month. Deposits from multiple employers count. Government benefits also qualify. This does not exempt other fees, see the Terms of Service or contact B9 via [email protected].
Stay safe with B9
Bank account funds are FDIC insured up to $250,000 through Evolve Bank & Trust, Member FDIC.
Encryption PCI-DSS protects all your data
What our members are saying
FAQ
Is B9 a bank, and is my money FDIC insured
B9 is a financial technology company, not a bank. Funds in your B9 account are FDIC insured up to $250,000 through B9’s partner bank, Evolve Bank & Trust, Member FDIC.
Does B9 pay you early? Does B9 offer early direct deposit?
Yes. B9 members can get their direct deposit up to 2 days early. B9 posts your deposit as soon as it’s received — how early you get paid depends on when your employer or payroll provider sends the payment.
How much does B9 cost? What are the B9 membership plans
B9 has two membership plans: Basic at $11.99/month and Premium at $19.99/month. Premium adds credit report access, a credit score simulator, priority support, and higher advance limits. Membership fees are waived if you deposit $5,000 or more into your B9 account each month.
Does B9 offer loans?
B9 does not provide consumer loans as defined by the Truth in Lending Act. Instead, our service grants early access to your earned wages through an Earned Wage Access (EWA) product. The amount of a B9 Advance you receive depends on your anticipated wages. There are no interest charges on a B9 Advance, and we do not perform credit checks or pull credit reports to determine eligibility. B9 Advance is not a consumer loan product. The complete eligibility criteria can be found in the eligibility requirements or within the Terms of Service. Learn how to get an advance or contact support.