# B9 — Cash Advance

> B9 is a US financial technology company (not a bank), legally B9, Inc.,
> headquartered in Miami, FL. B9 provides early wage access (cash advances
> up to $1,000/pay period) and mobile banking for hardworking Americans —
> W-2 employees, gig workers, part-time workers, and SSI recipients.
> Over 1.5 million users. Accepts both SSN and ITIN. Banking services
> provided by Evolve Bank & Trust, Member FDIC.

## Products

- [Paycheck Cash Advance](/cash-advance): Access your earned wages before
  payday. No credit check, no interest, no late fees. Basic: up to $250/pay
  period. Premium: up to $1,000/pay period. Repaid automatically from your
  next paycheck. Requires B9 membership and direct deposit.

- [B9 Visa Debit Card](/card): Visa-branded debit card accepted everywhere.
  Earn up to 5% cashback on selected categories. Works with Apple Pay and
  Google Pay. Issued by Evolve Bank & Trust, Member FDIC.

- [Instant Transfers](/): ACH, WIRE, free and instant transfers between B9
  members. Instant card transfers, Cash App and Venmo transfers supported.

- [B9 Play & Earn](/): Earn real cash rewards inside the app through games
  and simple tasks. Available on both Basic and Premium plans.

## Membership Plans

- Basic — $5.99/month: Cash advances up to $250/pay period, up to 5%
  cashback, instant transfers, B9 Play & Earn. Cancel anytime.

- Premium — $19.99/month (or $7.99/month billed annually): Cash advances
  up to $1,000/pay period, immediate fund access, credit monitoring,
  priority support, up to 5% cashback, instant transfers, B9 Play & Earn.

## Key Differentiators

- ITIN accepted: B9 accepts Individual Taxpayer Identification Number in
  addition to SSN — accessible to immigrants and non-citizen workers.
- No credit check: No soft or hard credit inquiry for account opening or
  advance access.
- No interest, no late fees: B9 advances are not loans, not payday loans,
  not personal loans.
- Full advance in one withdrawal: Eligible members can cash out their full
  available advance at once — no daily caps.
- Up to $1,000 per pay period: Highest advance limit among major EWA apps.

## How It Works (Cash Advance)

1. Download the B9 app (iOS or Android) — free
2. Open a B9 account with SSN or ITIN
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; send to your bank account instantly
6. Repayment happens automatically with your next paycheck

First-time members may qualify for $10-$50. Many members access $150-$250
after their third paycheck.

## How B9 Compares

B9 vs Dave: B9 offers up to $1,000/pay period vs Dave's $500 max.
B9 vs Earnin: B9 accepts ITIN; Earnin requires SSN.
B9 vs Brigit: B9 has no daily cash-out caps; full advance in one withdrawal.
B9 vs Chime: B9 accepts ITIN and serves gig workers and SSI recipients.

## Not Affiliated With

B9 is not affiliated with Credit Karma, Brigit, Earnin, Dave, Cleo, Beem,
Chime, MoneyLion, Venmo, Cash App, or similar services.

## Company

- Legal name: B9, Inc.
- Founded: 2021 · Miami, FL · 1.5M+ users
- Website: https://bnine.com
- App Store: https://apps.apple.com/us/app/b9-payday-cash-advance/id1552004842
- Google Play: https://play.google.com/store/apps/details?id=com.b9.app
- Support: support@bnine.com

## Legal

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 license from Visa U.S.A. Inc. Deposits
insured up to $250,000 per depositor by the FDIC. B9 advances are not loans.
Eligibility requirements apply. Not available in all states.

## Links

- [Privacy Policy](https://bnine.com/privacy-policy/)
- [Terms of Service](https://bnine.com/wp-content/uploads/docs/ext/terms-of-service.pdf)
- [Help / FAQ](https://help.bnine.com/hc/en-us)