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Everyday banking with B9 Mobile App
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Get your paycheck up to 15 days early
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Easy to apply,
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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.
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NO credit checks,
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SSN & ITIN are accepted to open B9 Account.
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REVIEWS
Taylor Hillhouse
B9 from the jump!!!! B9 seriously saved my behind off the jump! I was so thankful to have stumbled upon B9 and even more thankful when they advanced me $100 instantly! I was on the app maybe 5 minutes total & had $100 advanced to me!! Thank you so much B9!! You're a life saver for sure!!!!!! -forever greatful.
Armando
You guys help a lot of people out with your advance only thing I would do if I be were you guys is maybe advance a lil bit more money for the bigger families out there.
Marcus Goodwin
B9 is a awesome and really helps when you need extra money.Also I like the fact it helps wen your are in a quick emergency , I would most definitely recommend them to anyone.
Darliene
I was in a tight pinch and b9 advanced me $100 at 1st I wasn't sure about this app but they actually pulled through. I'm definitely sticking with b9:)
Danielle Cullum
The cash advance is the most simple process with B9! No credit check, you don't have to have a qualifying direct deposit into your account before you're eligible for the advance, it's completely hassle free. It honestly was a life saver and I was able to get it instantly in a very desperate time of need because of financial struggles due to the pandemic. It might have just been $100, but it put food on the table for me and my 2 year old son until I received my paycheck 4 days later! Thank you B9!
Andria Dixon
At first i was a little confused but after my first deposit i was able to advance an amount. Definitely happy and reccomend expecially during those pay gaps.
Kevin Jackson
B9 is a great banking app. They give you early access To your direct deposits and they have pretty quick customer support. I have used them for a couple months and will continue to do so.
Menterro Hambrick
I just recently started using the service and it has exceeded my expectations!!! The features alone was worth switching over my full deposit.
Dom Delacruz
A Banking app you can trust! This online banking app is one of the best I have used so far. They are new and upcoming but yet they are built and based around the customer. Which is hard to come by now a days. There customer service is amazing and there additional features really help out. Especially during this hard times. (COVID)
Jabria
Choose B9. B9 has given me the flexibility to do more. With the services they offer on their platform, I am confident within myself and my finances. Thank you B9.
Patricia
Payday advance. I was in need of money before my payday. I didn't want to take out a personal or payday loan and pay high interest rates. With B9, I was able to receive an instant payday advance over a week before my actual payday. Sign up was simple and quick. B9 came through and saved me a lot of time, money worry and stress. The advance will be deducted from my payday direct deposit without the high interest rates attached!
Brittnay Setting
B9 has been so helpful in the past recent weeks! Our family came into some rough patches and this app was the perfect way of advancing my own hard earned money and not charging me an arm and a leg to receive it sooner! I am so happy I signed up and will continue using it! the creator is the real GOAT!
GENERAL FREQUENTLY ASKING QUESTIONS ABOUT BANKING AND ADVANCES
How to know a bank account number online?
Visiting a banking application or a website is the quickest and most convenient way to get your bank account number. You might not always have a welcome letter or a checkbook with you, but there is at least one thing that is easily accessible your mobile phone. This method allows you to find the account number on the go. Sign in or log into the app or the site, find the page where basic details about your account are written, view the bank account number. If you have failed to find it, contact the support team or ask a virtual assistant for help.
What does it mean to freeze assets and bank accounts?
It means that your bank account and all the money on it have been frozen by the bank. This happens when some shady activity has been discovered on your account. For example, if you made any fake checks or have a great deal of unpaid taxes. You typically cannot do any operations with this account. Depending on your case, restrictions can be held from 10 to 30 and more days. Not only can the bank freeze your account, but you can also do it by yourself. In cases when con men received access to your account, you can call your bank and ask to freeze it.
How much are bank accounts insured for?
Usually, the insurance is paid to the clients of the bank when it is getting closed or can no longer provide previous services to its depositors. The standard insurance of a bank account is 250 thousand dollars. There are different categories of bank accounts for which the insurance amount may change. 250.000 is only the starting price of the coverage. In joint accounts, for example, the cost of the insurance is 250 thousand dollars for each of the owners.
What is a routing number in a bank account?
This is a nine-digit code that is used to identify a bank in the United States of America. It is needed to complete a transaction between banks. If you need to find out your bank number, you can look at your personal check. Most often, it is located in the lower-left corner. You can also find out this information by contacting the bank via the hotline or using the website. Do not forget to check the entered data several times before making a transaction. If you make a mistake in this number, then the money may simply not find the required bank, and the operation will be rejected.
How to close a bank account without going to the bank?
To do this, you first require to make sure that it is ready to be closed. You require not only to pay off existing debts (if any) but also to transfer the available money to another account or withdraw cash. Also, do not forget about automatic payments that may be linked to this account (subscriptions to applications or services, payments for mobile communications, and so on); you should either cancel them or link to another account. After that, you can close it through your bank's app. Usually, a couple of clicks are enough. If you have any additional questions or difficulties, be sure to contact the support service via chat or by phone.
How do i add someone to my bank account?
This additional person is called a "secondary signer." Unlike with the joint accounts, this type of deal is not equitable. In the first case, there are two owners of a card, and they are both responsible for it. In the second case, an added person can do everything as the owner, but he’s not legally accountable. If the cardholder wants to withdraw the second user from his card, he can do it without any permission or reason. In any way, there are situations when you might need a secondary signer. The best choice would be to add a relative, a spouse, or the closest friend. After choosing a person, you both would need to go to the bank and sign some forms. And, of course, your personal documents will be needed. Look for this information on the website of the bank or call them up.
At what age you can open a bank account?
The generally accepted age for opening a bank account would be 18 years old. If you need to open it earlier, there is an option of creating a joint account with your parents or with other legally responsible people, such as guardians. But in this case, the other half of the card owners can see your transactions and also use the card. Some minors might not like it, but there is no other choice. A loophole would be for those who are legally emancipated from their parents. Only this category of teenagers can get a bank account.
What happens to a bank account when someone dies?
The easiest situation is when the person that passed away ascribed a Payable on a Death person. This means that a bank account has its own beneficiary, which will have access to it after the death of its owner. In other cases, a will of a dead person will help his/her close ones to answer that question. When probate wasn’t created, then the inheritance, bank accounts included, will be divided by the law.
How to transfer money from an unemployment card to a bank account?
An employment card works the same way as any other debit card. The only difference is that it is provided by the state Unemployment Office, which sends you payments if you don't have a job every month to support you. As with any other debit card, you can transfer these payments to your bank account using a direct deposit transfer to make the management of this money more convenient. This is an indispensable option, especially if you need to pay bills and other debts. For receiving such a card, you need to make sure that you fit the category of people who can get it, then claim for it and wait for a couple of weeks until you can receive it.
How to add a beneficiary to a bank account?
Some banks provide an opportunity to add beneficiaries to the bank account through a mobile app, but the most common way to do it is to visit the bank office personally. This process is quick and does not require any special documents from you. Your ID, data about the bank account, the contract concluded between you and the bank, personal information about the beneficiary. The beneficiary doesn’t need to visit the bank office in this case. Also, this procedure will legally bind transactions of your funds after the death to the beneficiary and make the probate process easier and faster.
How to deposit cash in a bank account?
Nowadays, most people prefer to have their money on credit cards, and probably they are right. But what to do if you suddenly find yourself with a considerable amount of cash? What is the best way to deposit this money? The first and easiest way is to find the nearest ATM and make an ATM deposit. In this case, it is necessary to insert a card into a machine, type your PIN code to unlock it enter the amount of cash that you want to deposit on your account, and insert cash. The second way is by bringing your cash to a local branch of your bank; in this case, a banker will do everything for you.
How to open a bank account for a minor?
As a rule, banks do not allow minors to create a bank account without an adult’s involvement. In most cases, a joint owner is represented by the child’s parent or guardian. Once you have decided to develop the kid’s financial habits, specify the exact procedure you need to go through. Some banks will require visiting a local branch in person; others (modern ones) will ask you to install their app and fill out an online application form. You will have to prepare a documentation package including your SSN, driver’s license (or passport), your child’s birth certificate, or school ID (contact a bank representative over the phone for more precise information). In most cases, after you complete the application process, you have to deposit a certain amount of money into the new account. If it is not a custodial account and the kid has access to it, the bank will issue a card that the child can use to make purchases and manage funds at an ATM.
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B9’s Customer Success Team is here to help you when you need us!

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

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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)

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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.

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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.