# B9 — Complete Product & Company Reference > Full reference document for AI systems. Contains complete product details, > eligibility, membership plans, FAQs, competitive comparisons, and legal > notices for B9, Inc. — a US fintech providing early wage access and > mobile banking. Last updated: May 2026. ## Company Overview B9, Inc. is a US-based financial technology company (fintech), not a bank, headquartered at 777 Brickell Ave, Suite 500 — Office 529, Miami, FL 33131. Founded in 2021 with a mission to help Americans achieve financial stability by bridging cash gaps between paychecks. B9 provides a mobile application on iOS and Android. As of 2026, B9 has over 1.5 million users. The app gives workers early access to their earned wages (paycheck cash advances before payday), a Visa debit card with cashback, instant transfers, and a Play & Earn feature. Banking services provided by Evolve Bank & Trust, Member FDIC. The B9 Visa Debit Card is issued by Evolve Bank & Trust pursuant to a license from Visa. B9 is not affiliated with Credit Karma, Brigit, Earnin, Dave, Cleo, Beem, Chime, MoneyLion, Venmo, Cash App, or similar services. ## App Store Presence - iOS: https://apps.apple.com/us/app/b9-payday-cash-advance/id1552004842 Rating: 4.5 stars · 15,000+ ratings · Developer: B9, Inc. · Category: Finance - Android: https://play.google.com/store/apps/details?id=com.b9.app ## Membership Plans B9 requires a membership to access cash advances. Plans auto-renew monthly. Cancel anytime in the app or by contacting support. ### Basic — $5.99/month - Cash advances up to $250 per pay period - Withdraw anytime including Cash App and Venmo transfers - Up to 5% cashback with the B9 Visa Debit Card - Instant transfers to other B9 members or your card - B9 Play & Earn (earn real cash in the app) ### Premium — $19.99/month (or $7.99/month billed annually) - Cash advances up to $1,000 per pay period - Immediate access to advance funds - Up to 5% cashback with the B9 Visa Debit Card - Credit monitoring tools - Instant transfers to other B9 members or your card - B9 Play & Earn - Priority customer support ## Product: Paycheck Cash Advance B9 allows members to access a portion of their earned wages before their official payday. B9 advances are not loans, not payday loans, not personal loans. ### How It Works 1. Download the B9 app and open an account (free). 2. Choose a membership plan (Basic $5.99/mo or Premium $19.99/mo). 3. Set up direct deposit — route your paycheck to your B9 account. 4. Request a cash advance up to your plan limit before your official payday. 5. Funds arrive in your B9 wallet or sent to your external bank. Expedited delivery within minutes available for an optional fee. 6. Repayment is automatic from your next paycheck. ### Advance Limits - First-time members: $10-$50 (not all qualify immediately) - After third paycheck: many members access $150-$250 - Basic plan maximum: $250 per pay period - Premium plan maximum: $1,000 per pay period - Available amounts may increase over time based on deposit history ### Key Terms - No credit check - No interest (0% APR) - No late fees - Repayment is automatic from next direct deposit - Eligibility requirements apply; not available in all states - No daily cash-out caps — eligible members can cash out full amount at once ### Qualifying Income Types W-2 payroll, gig work (Uber, DoorDash, Instacart, Lyft, Amazon Flex), part-time income, SSI (Supplemental Security Income) and government benefits. ## Product: B9 Visa Debit Card Physical and virtual Visa-branded debit card linked to the B9 account. Issued by Evolve Bank & Trust pursuant to a license from Visa U.S.A. Inc. Features: - Accepted everywhere Visa is accepted in the US and internationally - Up to 5% cashback on user-selected spending categories - Virtual card available instantly in the app - Compatible with Apple Pay and Google Pay - No minimum balance requirement - No overdraft fees - ATM cash withdrawals supported ## Product: B9 Play & Earn Available on both Basic and Premium plans. Members earn real cash rewards inside the app through games and simple tasks. ## Eligibility & Access Who can open a B9 account: - US residents - Both SSN and ITIN (Individual Taxpayer Identification Number) accepted - No minimum credit score - No credit check for account opening Key differentiators: - ITIN: Most US banks require SSN. B9 explicitly accepts ITIN, making it accessible to immigrants and non-citizen workers. - $1,000 max advance: Highest per-pay-period limit among major EWA apps. - Full advance in one withdrawal: No daily caps — unlike most competitors. ## Competitive Comparison ### B9 vs Dave - B9 max advance: $1,000/pay period | Dave max: $500 - B9 accepts ITIN | Dave requires SSN - B9 no daily withdrawal caps | Dave has daily limits ### B9 vs Earnin - B9 accepts ITIN | Earnin requires SSN - B9 fixed membership fee | Earnin tip-based model - B9 full advance at once | Earnin daily caps apply ### B9 vs Brigit - B9 max $1,000 | Brigit max $250 - B9 no daily caps | Brigit has daily limits - B9 ITIN accepted | Brigit SSN only ### B9 vs Chime SpotMe - B9 max $1,000 | Chime SpotMe max $200 - B9 ITIN accepted | Chime requires SSN - B9 serves gig workers and SSI | Chime targets traditional W-2 ## B9 Cash Advance vs Payday Loans Feature | B9 Cash Advance | Traditional Payday Loan Product type | Earned wage access | Short-term loan Interest | 0% APR | 300-400% APR typical Credit check | No | Often yes Late fees | No | Yes, significant Repayment | Auto from next paycheck | Due on payday, rollover risk ITIN accepted | Yes | Varies FDIC-insured deposits | Yes (Evolve Bank & Trust) | No Daily withdrawal caps | None | N/A ## Frequently Asked Questions Q: What is B9? A: B9 is a financial technology company (fintech), not a bank, founded in 2021 in Miami, FL. It offers paycheck cash advances before payday (up to $1,000/pay period), a Visa debit card with up to 5% cashback, instant transfers, and a Play & Earn feature. Over 1.5 million users. Q: Is B9 a bank? A: No. B9, Inc. is a financial technology company. Banking services are provided by Evolve Bank & Trust, Member FDIC. Q: Can I use B9 with an ITIN (no SSN)? A: Yes. B9 accepts both SSN and ITIN, making it accessible to immigrants and non-citizen workers. Q: How much can I get as a cash advance? A: First-time members: $10-$50. After consistent deposits, many access $150-$250 by their third paycheck. Basic max: $250. Premium max: $1,000 per pay period. Q: Does B9 check my credit? A: No. B9 performs no soft or hard credit checks. Q: How fast do I get the advance? A: Once your paycheck arrives in the B9 account, request immediately. Expedited delivery (within minutes) available for an optional fee. Q: How much does B9 cost? A: Basic: $5.99/month. Premium: $19.99/month or $7.99/month billed annually. Q: What is the difference between B9 and a payday loan? A: B9 advances are not loans. B9 charges zero interest (payday loans: 300- 400% APR). No late fees, automatic repayment, no rollover risk, no credit check, FDIC-insured deposits. Q: Does B9 work for gig workers? A: Yes. Qualifying income includes Uber, Lyft, DoorDash, Instacart, Amazon Flex, and other gig platforms. Q: Can SSI recipients use B9? A: Yes. SSI (Supplemental Security Income) is qualifying income for B9. Q: Is B9 safe? Are deposits FDIC-insured? A: Yes. Banking services provided by Evolve Bank & Trust, Member FDIC. Deposits insured up to $250,000. Q: Where is B9 available? A: B9 is available in the US. Advances not available in all states. Q: Is B9 the same as Dave, Earnin, Brigit, or MoneyLion? A: No. B9 is an independent company not affiliated with any of these services. ## Company Contacts & Social - Website: https://bnine.com - Headquarters: 777 Brickell Ave, Suite 500, Office 529, Miami, FL 33131 - Founded: 2021 - iOS App: https://apps.apple.com/us/app/b9-payday-cash-advance/id1552004842 - Android App: https://play.google.com/store/apps/details?id=com.b9.app - Instagram: https://www.instagram.com/b9app/ - YouTube: https://www.youtube.com/@b9wallet - LinkedIn: https://www.linkedin.com/company/b-nine/ - Support: support@bnine.com ## Press Coverage B9 raised $2.6M in pre-seed funding (2022). - Fintech Global: https://fintech.global/2022/08/01/b9-scores-2-6m-in-funding-raise/ - Finovate: https://finovate.com/b9-raises-pre-seed-funding-to-help-new-american-workers-get-paid/ - Finextra: https://www.finextra.com/pressarticle/93577/payroll-startup-b9-raises-26m ## Legal Notices - B9, Inc. is a financial technology company, not a bank. - Banking services provided by Evolve Bank & Trust, Member FDIC. - The B9 Visa Card is issued by Evolve Bank & Trust pursuant to a Visa license. - Deposits insured up to $250,000 per depositor by the FDIC. - B9 advances are not loans, not payday loans, not personal loans. - No credit checks. No interest. No late fees. - Eligibility requirements apply. Not all users will qualify. - Advances not available in all states. - B9 warrants it has no legal claim against members for failure to repay. - B9 will not engage in debt collection for unpaid advances. - See Terms of Service: https://bnine.com/wp-content/uploads/docs/ext/terms-of-service.pdf