INTRODUCING B9 ADVANCE
Fee Free
B9 Advance is a free financial benefit built with you in mind.
Built right into the B9 Wallet, B9 Advance helps you cover unexpected expenses between paydays.
B9 ADVANCE HELPS YOU HAVE ACCESS TO CASH WHEN YOU NEED IT MOST
Available within the B9 Wallet app, B9 Advance gives you access to money between paydays. It’s repaid automatically from your paycheck.
  • No credit checks
  • No additional fees
  • No additional interest
  • Best of all, it is free for you!
Smart limits are in place to help you from overspending.
Funds available instantly with a B9 debit card*
B9 Card
FOR WHOM B9 ADVANCE IS BEST SUITED
  • GIG workers
  • Hard workers
  • Immigrants
  • Students
  • Anyone with credit history problems or without credit history
SURPRISE EXPENSES CAN POP UP AT ANY TIME
Life never goes according to plan. B9 Advance has you covered!
20% of households have less than $400 in their checking or savings accounts.
*The 2019 Survey of Consumer Finances (SCF)
Many of the people who have $400 or more available to them likely have already separated that money for another obligation (and so, in other words, the cash isn’t really available to them).
*The 2019 Survey of Consumer Finances (SCF)
HOW IT WORKS
Access your B9 Advance right in your B9 Wallet.
Set up your direct
deposit allocation
Via paper form submitted to your employer
Directly through the B9 App
Funds are credited after the first direct deposit to B9
To increase
your limit
Increase your direct deposit allocation
Add more funds to your B9 account to increase your limit

Just a quick recap of how our famous B9 Advance works:
STILL HAVE QUESTIONS? WE HAVE ANSWERS
How does it work?
Switch your direct deposit to your B9 account here > Wait until you get the first funds credited to your B9 account > Check out your B9 Advance allotment and cash out your earnings earlier -- no more waiting around for your paycheck!
How much does it cost?
It’s completely FEE-FREE!
Fee Free
What if I send funds out of my B9 account?
If you direct funds outside of your paycheck to your B9 account those funds will not count towards your payroll deposit.
All your questions answered
REVIEWS
T-Two
Your best friend in a pinch I really enjoyed the app and I really appreciate the loan out of nowhere when I really needed it although it could be a little more user-friendly and possibly have some alternative options for like adding more than one Bank account
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.
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
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
jose huitron
Your app was a life saver. I needed money for gas and payday was still days away. I downloaded it, linked my direct deposit and within no time I was able to borrow $100.. thank you so so much. I highly recommend this app.
Angela Russell
B9 has come in clutch a lot of times B9 has helped me so much in times that were rough I appreciate this app so much
John Hardy Sr
Great Experience and will continue to Use!!!! Everything is real and legit. Deposit are on time which usually is two days early and the advances really does help in a time of need. THANKS B9!!!
kurbside
B9 is grrrrreat i really like this service and thanks B9 your the coolest awsomest app ever thanks so much be safe guys and god bless america give B9 a try seriously its grrrrrrrrrrrrreat
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!
Kyesha Boyd
This service is been great I enjoyed it and this payment this year for my paydays I have enjoyed being with responses I get back from the customer service department
Aerie Lee Morgan
B9 has helped me in my financial situation so much since I have been utilizing there services. They make it easy to pay back the loan and receive one too.
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
GENERAL FREQUENTLY ASKING QUESTIONS ABOUT BANKING AND ADVANCES
What is a debit card security code?
A short and easy-to-remember sequence of three or four digits on the backside of your debit card is a card security code. Also referred to as a CVC (card verification code) or CVV (card verification value), the code can be found in a specially designated area on the back of the card, right beneath a magnetic stripe in a signature box. As to the primary purpose of the code, it serves as yet another protective measure that secures purchases made with the debit card online, for example, and proves that you, as the owner, possess a hard copy of your card. In situations when your card is exposed to fraudulent actions on the part of hackers or people stealing identities, a CVV will ensure the safety of your assets.
How to pay with a debit card?
There are many ways to pay for goods or services with a debit card. The classic way to pay in most shops is with a special device in which you swipe/insert/attach your card. Most new ones can be simply attached to the device, after what you need to enter the pin code. Although you can change your card settings and not enter a pin code for small purchases. In addition, you can add your card to an electronic wallet for example, Apple Pay. Then, to pay for anything, you will not even require the physical presence of the card; just hold your smartphone to the device. But this payment method may not work everywhere. Finally, you can withdraw money from an ATM and pay with cash if needed. However, most places have long been equipped for accepting bank cards.
How to get a debit card at 16?
There are two ways to acquire a card for a teenage kid. The first one is to set up an addition to your own bank account, a sub-account for your kid that includes a debit card. This will let your kid withdraw cash using an ATM, as well as purchase goods in stores and online. This option gives an ability to control kid's expenditures. The second way is a children's prepaid card. This type of card has no bank account associated with it. Rather, you pre-fund it with funds that your youngster may spend in stores, online, or withdraw from an ATM.
How to unblock a debit card?
As a rule, it is impossible to unlock a debit card independently since this process is controlled exclusively by the bank. If you need to unblock your card, call the bank. - Call the hotline When calling the hotline, you will need to provide your data and information about the card (number, three-digit CVV code). If the card has not expired, your card will be unblocked. In the bank, employees may also solve this problem. Provide the necessary documents, and the bank will reactivate your card within a few minutes.
How to rent a car with a debit card?
Often companies ask for your debit card for car rentals. They need this to guarantee payment for their services. Read the specific company policies before submitting your card details. Some rental services will not do anything with your card, and some will want to hold a certain amount on your account, depending on the conditions. In this case, it is important for you to understand that you will not be able to use this money until the company does not hold it.
How to apply for a debit card?
Usually, you can order and register a new card offline and online. Choose a type of card you are interested in, fill out your personal data, and download and mail the documents that are required. You may have to wait a couple of days or even a week have your new card mailed. After that a courier will deliver the card to your mailbox.
How to check the balance on a debit card?
People use debit cards for various types of money transactions, including sending and receiving money, making purchases, as well as saving and investing. The principle of a debit card is that it holds the funds that you actually have. So when you make a payment, you use your own money and not the money your bank lends you (as you would do with a credit card). Thus, with a debit card, you will not exceed your credit limit since there is no such thing. But to be sure that you have enough money for a purchase, you need to be aware of how much money you have. To know that, you need to check on your card's balance regularly. There are several ways to do it. The first way is to insert your card into an ATM machine and go to the balance check tab. The second way to check your card's balance is to go online to your bank's website and log in to your account. You may also check your debit card's balance via a mobile banking application.
What is a postal code on a debit card
A postal code is a special code that is unique for any geographical location. Postal codes make the mailing system function properly, with mail delivery reaching correct destinations. When speaking about debit cards, they also have their postal codes. But what for? In debit cards, a postal code is an additional security layer. It is a five-digit number that you will not find on your card's body. This code is mentioned in the debit card documents. This code is attached to the actual location when the cardholder resides and where the bills are mailed.
How long do refunds take on debit cards?
A refund is the process of getting the exact amount of money that you spent before. The time for it to happen varies in accordance with the bank that you are using, but in general, it is about 7 to 10 working days. This is because when you pay for something, you think that your money is simultaneously sent to the seller. In reality, it takes some amount of time for your sum to appear in their account. For this reason, the vendor can only allow for a refund when s/he sees that your money is actually in their revenue.
How to transfer money from PayPal® to a debit card?
PayPal® is one of the world's largest electronic debit payment systems. With its help, a large number of money transfers are carried out. To make a transfer from PayPal® to Sberbank, two necessary conditions must be met: - an active wallet in the payment system - a number of the card account tied to it in our bank. To withdraw money from your PayPal® wallet, you must bind a debit card to it. It's not about the number of the plastic, but about the details of the client's personal account and its BIC. It is important to remember that the card account number consists of 20 digits and the bank's BIK - of nine.
How to unlock a debit card?
Certain actions depend on the specific bank, but in most cases, it is really simple to unblock your card. Modern technologies allow you to use your bank's app for this. Usually, through the application, in just a couple of clicks, you can block or unblock your card. But if your card is stolen or lost, we do not recommend using it further. Better ask your bank to issue a new one. You may want to lock or unlock your card for other personal reasons as well. In such cases, it will be most convenient to use the app. But you can also do this by contacting the bank online or by phone.
How to withdraw money from a checking account without debit card?
Complete a withdrawal application from your bank's branch. Fill in your passport details, account details, and the amount of the transaction. Wait for the application to be confirmed - it usually takes about 5 minutes. Receive the withdrawal amount at the cash desk - the bank will immediately deduct the withdrawal fee, if any. Some ATMs allow withdrawing money without a card. To do this, select the appropriate menu item at the ATM. Fill in the form: indicate the number, expiry date, first name and surname, CVC-code of the card, number of the agreement with the bank, passport data, and other information. Specify the amount required for withdrawal. You will receive an SMS code to approve the transaction. If your smartphone supports NFC, funds can be withdrawn via this application by attaching your phone to an ATM that supports contactless transactions and withdraw funds as usual.
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mobile app
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No extra apps needed to move your funds
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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.

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.

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Banking services are provided by Mbanq banking partners, Members FDIC. To report a complaint relating to banking services, email compliance@mbanq.com
  • ✅ Advance salary format sample
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  • ✅ Advance salary format sample - Bnine

Advance salary format in word

When emergency circumstances come into our lives, we are more likely to carry out rash actions to find the needed money. Some people tend to take payday loans even with an average credit score. But some lenders will charge you extra and make it only worse.

The best alternative to such unreliable methods is a Salary Advance. With this type of loan, you will be able to repay your debt safely and fastly. Moreover, salary advances give you an opportunity to make beneficial savings and may be found in your local credit union.

Advance salary format letter

Salary Advance by itself is a newly introduced financial option that lets you have your salary earlier than the official payday set by the employer. It is presented by the wage advance companies and lets you borrow money from your own salary by just taking it gradually, as you earn it, and not as a single paycheck.

Here are the distinctive features of the Salary Advance loan:

  • By having the loan approved, you also get access to financial counseling along with the savings account, to which the funds transfer is made
  • The maximum loan amount is 500 dollars throughout one paycheck period
  • It includes no fees at all
  • Interest rate percentage decreases each time the deposit sum is covered
  • Free all-day access and self-serve of the account
  • To be eligible to take the advance, an employee should be not less than 18 years old

However, each withdrawal should be discussed with a credit union officer. It is a drawback of a salary advance loan, yet it helps to monitor your funds balance. Taking the cash away without letting the officer know may cause a one-year delay in your borrowing privileges. As follows, you should make a request each time you want to take out some cash.

Advance salary from company

With each new loan advance, some part of the advanced payment is converted into a deposit for your savings account. You will have access to these funds in the future, which is very helpful since the loan terms help you save this money and be able to use them. Thus, your account gives you stable dividends, which improves your balance.

Talking about the APR and required deposit, since each loan has to be no more than 500 dollars each month, you have to commit investments to cover the borrowed sum. If the salary advance cash account balance is less than 500 dollars, the APR equals 12%, and the cumulative percentage for the initial deposit comes to be only 5%.

In contrast, when you have more than 500 dollars, the APR decreases to 5.50%, and the deposit comes up to 7% of the loan advance.

Your Salary Advance Cash Account

In addition, your salary advance cash account is not so easy to access since the funds work as collateral for the advance loan at the same time. It is a guarantee that the accrued interest and the amount of the initial loan will be repaid. Also, note that the payment should be produced on the established pay date and by one payment process.

Advance salary in accounting

You have to remember that there is no access to the accumulated salary advance. And even if the request to withdraw funds is accepted, the borrowing privileges will be delayed for about a month.