Open B9 Account in minutes
No credit checks
No minimum balance
Fully online
B9 App
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Everyday banking with B9 Mobile App
B9 Visa® Card
Pay everywhere with B9 Visa® Card or withdrawn cash from ATM
B9 Advance
Get your paycheck up to 15 days early
Fee Free bank transfers
ACH and internal transfers fee fee for B9 Members
B9 App
Easy to apply,
Easy to use
Both SSN or ITIN are accepted in order to open your B9 account. You can easily connect B9 to any payroll platform to set up your direct deposit with B9.
Fair price
There is a small $9.99 a month subscription fee for a B9 account which includes a B9 Visa debit card. Open your online bank account in 5 minutes with no minimum balance required, Start making purchases online with your B9 virtual card which is assigned instantly. No overdraft fees, no minimum balance required. Get your B9 debit card now.
B9 Price
GET YOUR B9 VISA® DEBIT CARD
Everyday banking 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
Instant transfers between B9 members.
B9 Visa®
Card
Pay everywhere with your B9 Visa® Card or withdraw cash from ATM.
REVIEWS
William Magpantay
EXCEPTIONAL BANKING SERVICE B9's app is user friendly and their customer service is exceptional. Personally, the best features of B9 are their Cash Advance and getting paid up 15 days early. What more can you ask for? TWO THUMBS UP! Great job, guys!
HUGO RAMOS
It is been a pleasure to apply and get this account I have no problems at all and I already set up direct deposit everything good 100% recommended
Teresa Urbano
This is app is great for an advance I was able to get a cash advance by my 2nd direct deposit. I would definitely recommend this app never really had issues with it like other payroll advance app. And it also lets you repay them anytime it's GREAT!!!!
Jennifer
I was skeptical at first about the advances but it's great and easy to pay back. I also thought I wouldn't get paid 2 days early anymore but I do! I love my b9 account
Aerie Morgan
B9 has helped me through my financial struggles now for the last three weeks. They make it easy to get a loan till payday and easy to pay back the loan on payday.
ziplo loveee
I love b9 they're amazing my money came quick and they gave me and advance and gave me a fair time to pay it I'm in love and I highly recommend
Concrete_Soul Hardbody_Spirit
Greatest choice I have made in a while when it comes to banking.B9 comes through when you need them most.I received services immediately.
Ross Rudd
AMAZING I've never had no problems. Amazing acct for gig workers just like me. It's nice to access your check right away instead of waiting to payday.
Peter Davidson
At first I was Skeptical of this app. A lot of paycheck advancement app are Deceiving and hard to set up and are not 100% honest. B9 was actually simple and they kept there word on Everything they advertise.I got a paycheck advancement easy and quick without any fees. I would definitely recommend this app. My experience was great the only thing I would change would be that the app lets you transfer money to a debit card instantly. Plus Be compatible with Apple wallet and Apple Pay. Besides that the app is amazing and I will be using this app as my main go to when times are hard. Thank you Plus customer service it's very helpful and they respond quick. Hundred percent recommend this to anyone and everybody
Cindy Junes
B9 is on point. I wish I would be able to set up my direct deposit automatically but my company is not listed. I set up my direct deposit manually and got paid right on time. Also love that my arch transfer only take 1 business day
Author
It's a good app only thing is they charge you atm fees I used AllPoint Atm thinking it would of been free but Nope still got charged
AG
This is a great app to have especially when you're running low on cash and don't know what To do you can always count on b9 to come through
Frequently Asked Questions About Banking and Advances
Still fail to scan your ID?
There could be several reasons why your document is not being captured:

Make sure you don't have an active account under different phone number. If you do - request to update the phone number on your previous account
Your document doesn't have expiration date (system doesn't accept documents without expiration date)
If you are still facing difficulty, please contact customer service by emailing customer support at support@bnine.com. Cash app custodial account
How can I close my account?
If you wish to close your account, please make sure to remove your direct deposit away from coming to B9 to avoid any future issues by following these steps:

Open the B9 app -> Go to the profile tab -> Tap on manage your direct deposit -> Select online deposit switch -> Tap on continue -> Tap at the button on the top right corner next to "your connections" -> Select: revoke access.

You can move your deposit away from the "Manage your direct deposit" and also by going directly to your employer to update your paycheck allocation with them. We suggest confirming with your employer as well. Cash app custodial account
B9 app doesn't work. What can I do?
Please make sure that you have the latest version of the B9 app and if still doesn't work uninstall and reinstall the B9 app, if the issues persist you can contact us:

In App support
Email: support@bnine.com

Phone Number: (888) 297-5504 Cash app custodial account
B9 Membership Plans
Basic Plan: Through our B9 Account and B9 Card, B9 will charge you a subscription fee of $9.99 (each month while you are a B9 customer).

B9 has the right to change or waive any subscription fee for the use of the B9 Account and B9 Card at any time with prior notice in accordance with applicable law.

We do not charge any additional fees for internal member to member transfers, ACH transfers, or the advance service we offer. The B9 membership fee is for the B9 account.

Premium Plan: For $19.99 a month, the B9 Premium Plan gets you all the features of the B9 Advance Plan and more!

-20% discount ($16/month) for 3 months package

With the B9 Premium Plan, you get to check your credit report, credit bureau score, and a credit score simulator with more features to come. Not only that, but you may be offered higher advance limits compared to the regular B9 Advance Plan that offers up to $300.

To switch, go to the Profile tab o Cash app custodial account
What kind of transfer B9 doesn't accept?
Wire Transfers: We do not accept wire transfers. If you attempt a wire transfer, the transaction will be rejected. We are not liable for wire transfers that you initiate to your B9 Account or deposits of any kind that you mail to us, including if it is lost in transit, lost in the mail, or otherwise not received by us.

Cash: We do not accept cash deposits. If you mail us a cash deposit, we will return the cash to you.

Paper Checks: If you mail a paper check to us, including personal checks, money orders or cashier’s checks, we may apply the check to any negative balance you may have on your B9 Spending Account or return the check to you.

Foreign Currency: We do not accept any deposits in foreign currency. Any deposits received in foreign currency, whether in the form of cash or check, will be returned to you. Cash app custodial account
ATMs
Currently, B9 does not offer any free ATMs for the B9 card. Any ATM that allows VISA cards to withdraw are accepted by the B9 card.

The B9 card currently does not work with contactless ATMs. You are able to withdraw from ATMs with the B9 card, but unable to deposit into ATMs.

The fees for ATMs are $2.50 plus fees from the owner of the ATM. Cash app custodial account
Transfer money from my B9 account
In the B9 app, you can transfer funds domestically. In the Wallet tab click Send Money and choose one of the options:

Send money instantly to external card (only US debit cards are accepted)
Instant transfer between existing B9 users
Domestic transfer via ACH (1-3 days)
These are the possible reasons why the transfer was failed:

Receiving card doesn't have PUSH feature
Exceeded the limits for transactions Cash app custodial account
How do I upload required documents?
How to upload images to ensure the best outcome:

Use the original document (not a copy or scanned image)
Use the appropriate document
Be sure to take the picture in a bright, well lit room
Avoid any glares, don’t use a flash
Ensure that the entire document is captured and that none of the important areas are covered
Before completing/submitting the image capture, please check that all documents in the picture are clear and legible. Cash app custodial account
Add money to my B9 account?
Options to add money to your B9 account:

Setup payroll deposit to your B9 account
Add money instantly from external card (only US debit cards are accepted). Check out Adding an external card to B9 Wallet
Internal transfer from another B9 member (instant)
ACH transfer to B9 account (up to 72 business hours) Cash app custodial account
Send Money to Another Card (transfers from your B9 Card):
The maximum amount of money you can send in one transaction is $500 and the minimum amount is $1.
$1,000 or 4 times per day
$3,000 or 10 times per week
$3,000 or 12 times per month Cash app custodial account
How do I update my phone number?
Updating your phone number is easy! All you need to do is reach out to our support team with the following:

Current phone number on the account
New phone number you are looking to change to
A selfie with you holding the ID you onboarded with
Once you have those 3 items, feel free to contact our support team and we will change right away! Cash app custodial account
Transaction Dispute
We strongly recommend that you reach out to the merchant you are wanting to dispute the transaction from in order to discuss the details of the transaction. This may be a much quicker process to resolve your concern, as they may be able to refund you the purchase and save you time.

If you are looking to continue with the dispute process, please note that only transactions that are posted to your account can be disputed. Pending charges may be temporary or can change before they post.

We strongly recommend you reaching out to the merchant for immediate questions about any charges you may have with them. You also have the ability to lock your card to prevent further transactions from occurring by going to the Cards Tab of the app, clicking on the top right corner, and selecting Lock Card.

If you need any help with a transaction, please reach out to our Customer Success Team so we can help. Cash app custodial account
Creating a B9 account
Everything is very simple. It only takes 5 minutes to apply for a B9 account!

Step 1. Download the B9 App

Download in App Store
Download in Google Play

Step 2. Go through Onboarding steps

Please have the following information available:

Valid US phone number
Your Email
Your Full name and Date of birth
Your Full US address
Your SSN or ITIN number
Your US government issued photo ID

Step 3. Once you complete the onboarding process your bank account will be ready instantly! Cash app custodial account
Contacting our Customer Support
Our customer support is open the following hours:

Mon-Fri: 5 AM to 9 PM Pacific Standard Time (8 AM to 12 AM Eastern Standard Time)
Sat-Sun: 6 AM to 6 PM Pacific Standard Time (9 AM to 9 PM Eastern Standard Time)

Our customer service line is open the following hours:

Mon-Fri: 6 AM to 6 PM Pacific Standard Time (9 AM to 9 PM Eastern Standard Time)
Phone Number: (888) 297-5504 Cash app custodial account
All-in-one
mobile app
Free download for iOS and Android
No extra apps needed to move your funds
B9 App
Legal
Contacting B9 Customer Support

B9's Customer Success Team is here to help when you need it!

For faster assistance, our FAQ has answers for our most frequently asked questions and is available to you 24/7.

In-App Support

Our Agents are available for B9 members via in-app support tab:

Mon-Fri: 5 AM to 9 PM Pacific Standard Time (8 AM to 12 AM Eastern Standard Time)

Sat-Sun: 6 AM to 6 PM Pacific Standard Time (9 AM to 9 PM Eastern Standard Time)

Email Us You may email us at support@bnine.com, one of our friendly Customer Success Team members will answer in 24-48 hours.

For additional support you may phone us by clicking on the FAQ for our hours of availability.

Complaints
Mbanq’s banking partner, Evolve Bank and Trust, Member FDIC. To report a complaint relating to banking services, email compliance@mbanq.com

The bank account is a financial service provided by almost every bank. It allows people to keep their funds in the bank and use them for different purposes. There are several types of bank accounts, and some of them are created for saving money while others are used as storage. In addition to bank accounts, people usually issue a debit or credit card to use the funds from the account any time they want.

In this article, we will discuss the types of bank accounts and how to get them in the US.

Bank Accounts Types

You can discover the variety of bank accounts at your bank because the range of offered types depends on every financial institution.

However, in most cases, you can open the following types of bank accounts:

  • Checking accounts
  • Saving accounts
  • Certificate of deposit

The most popular category is checking bank accounts because it is a convenient way to manage finances and control expenditures. It allows checking the account balance and expenses during the statement period and estimating the budget.

Furthermore, the banks have different offers for people of different ages and social groups. Thus, you can always find an offer of bank account creation with beneficial conditions for you.

The creation of a bank account is not always a free service, and you have to pay your bank fees. It can be a service fee or monthly maintenance fee for the usage of an account and debit card connected to it. Account fees are low in most banks, but you have to pay other fees for some operations made with your account.

Firstly, online banking systems allow you to send money to other accounts, but the size of transaction fees depends on the bank and issuer of the second account. Secondly, you cannot only use your funds from the account but also borrow money from a bank if you have insufficient funds. For this service, the bank will charge overdraft fees from your account when you deposit cash to it. Thirdly, you may pay ATM fees if you use the machine of another bank for cash withdrawal.

You can always avoid fees if you know the terms of your bank account and the sizes of the extra charges and monthly maintenance fees.

Online Checking Account

Nowadays the banks have a mobile application where you can use financial products and manage your checking account. With the mobile app, it is easy and fast to make wire transfers, apply for personal loans, pay bills, buy insurance products, and control credit balances. You can start using mobile banking after registration at the bank and ask the bank workers to connect your checking account to the online system.

Personal checking accounts, as well as savings accounts, help to arrange your funds and introduce everyday banking to your life. Furthermore, you can create a checking account online, pay a monthly service fee, and enjoy the remote control over your budget.