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
Miishacamille
Sign up was easy. Got an advance the same night. The only problem I had was using the money right away. I had trouble activating the virtual card. Other than that does what they claim to do.
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:)
Skye Allred
B9 is One of the best places to get your check deposited to and get an advance they give you almost 100% of your paycheck is convenient is well worth it
Brian Ramsey
B9 is a great company that offers the world's best cash advance opportunities.The customer service is outstanding and persues excellence in assisting you.I recommend this company to anyone.
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
Charles Mcclenan
The joy I never knew until now. I was skeptical at first but it wasn't a scam. I was able to get a part of my check the first time and it had me questioning the app. But after my second deposit I was able to get my whole check and I never looked back. Never felt financially secure before this app knowing that am covered for emergency by my own money best feeling in the world. Thank you guys for giving me and my family joy unknown
Vicente
I love this app best way for advance virtual card instantly and mailed real card. Instacash after repayment aswell
Elia Ortega
To be quite honest if it wasn't for this app I wouldn't be surviving as well as I have been these last couple of months. Being a single mom of two young kids working a part-time job and going to school quite difficult but with this app I was able to take myself a few times with the headaches of not being able to pull out any additional funds
Koroush
New age of banking is here ! Being able to withdraw cash two weeks prior to payday is a life saver for people like myself who live paycheck to paycheck . getting paid two days early is also a life saver , fast and swift mailing of the debit card was also a breath a fresh air compared to other banks that take much longer to send a card that can be given much swifter.
shay
I love this company gave me a loan after my first deposit they did a awesome job when i lost my card as well will be banking with them for a long time
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!
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
GENERAL FREQUENTLY ASKING QUESTIONS ABOUT BANKING AND ADVANCES
How to send money to debit card?
Adding money to a debit card is a simple, common, and fast procedure. Actually, these cards were created for convenient and fast non-cash payments. To do this, you can use mobile services or Internet banking of your fixed bank, fortunately now they have become very convenient for users. Just be vigilant because such transfers may be subject to a transfer fee; this should be clarified with your bank's website or by contacting customer service. If the contract of your card does not specify any requirements, then there should be no problems with transferring to a debit card.
How to transfer money from a debit card to another debit card?
It depends on your bank. This procedure can be done by using the bank's app or the site or by going to an ATM. In any case that you prefer or is available to you, actions are quite the same. You need to click on a button that would allow you to transfer the money (in different banks, it will be named variously, but the meaning stays the same) and choose where to send it, which is, in our case, another debit card. Then fill in the line for the amount of money given away and make sure that all information about the recipient's debit card is correct. Click to send, and that's it. However, note that different banks can commission you for sending the money to another's bank client.
How to transfer money from apple cash to a debit card?
You can send the money from Apple Cash to a bank account or to a Visa®Card card. For the former case, the transaction can take from 1 to 3 working days, depends from your bank. For the latter situation, you can expect to get the sum of the money during the next 30 minutes. In order to make these kinds of transactions, your first action is to open a Wallet App and choose an Apple Cash card, from which the money would be written off. Find a menu button there, which will look like three dots, tap on the transfer to a bank, and write how much money should be sent away. After that, choose what kind of transfer is to be made: to a bank account will require a 1-2 Business days option, to a Visa®Card card Instant transfer is the way to go. The last step for you is to either tap on the debit card or a bank account, to which the money will go.
How long does it take to get a debit card?
The process of obtaining a personal debit card can be done through different banks. Your first step would be to pick a bank and figure out the ways how you can request a card from them. Depending on your personal preferences and the depth you will go into finding the best bank, this action can take a couple of minutes or hours and days of searching. The second step is to file for a card and give your personal data to the bank that you've chosen. The final step is to wait for the card to be done. In different banks, this takes a different amount of time. Some will send you the card in a few days, while others will make you wait for a few weeks.
How to get cash without debit card?
Nowadays, there is an opportunity of withdrawing money from your debit card without having a card with you. Usually, you can do it with the help of an app provided by your bank. Unlike a regular way of withdrawing money, using an app and special security codes that a bank sends you at the moment provides safety. There is no chance that you will accidentally lose your card or reveal any data by leaving a receipt near the ATM machine.
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 get an online debit card?
An option of creating an online debit card depends on your bank. If it has such a function, then your first action would be to find out how to order it. In some banks, it is done through its application, in others by the website. The third possibility is to directly call the bank and find out their instructions. In any case, you will have a possibility to find out about documents that are needed, the blanks that you should sign, and the approximate amount of time after which the card will be ready. The first two are similar in most banks, but the last one can vary. In general, your debit card will be in process for no longer than two working weeks. Nowadays, many banks are able to create cards faster, but it also depends on your country and city.
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 can I track my unemployment debit card?
Unemployment payments may be received weekly by means of a debit card created specifically for this purpose. In order for the goal of tracking activities to be achieved, three main ways exist. The first one is simply finding the nearest ATM, sticking your card in it, and entering the PIN. Afterward, on the display of the ATM, your current balance will appear. The history of getting compensation is also available for you to find there. The second option is to call a hotline of the unemployment debit card. Its number can sometimes be written on the card itself and ask for all details in need. The third way is to visit the website of your debit card, the address can also be found on the back of a plastic card. However, not all such cards have a website.
How to find my debit card number without my card?
There are several ways to do this: Look in the contract. The contract always states the customer's personal account among all other information; You must have your passport with you. Some banks allow you to find out the necessary data without the client's identity document. In this case, you should have any card (charge or credit card) and the mobile phone to which it is linked; call the operator on the banking organization's hotline. Because personal account information is personal data, you must tell the operator your code word; Almost all banking institutions have applications that allow you to carry out many transactions online. By accessing your personal account, you can find out your personal details.
How much does a debit card cost?
As a rule, the bank provides people with debit cards for free after applying. Unlike credit cards, debit cards do not involve debts and huge fees: you may use the card at any time, paying for any services. There are several possible options for charging for using a debit card. Firstly, it is a monthly maintenance fee. In the United States, such a fee varies from $10 to $15. However, if you keep a certain minimum balance on the card every month, the bank cancels the monthly maintenance fee. The second point is the withdrawal of cash from ATMs of other banks. Such a fee is no more than five dollars for withdrawing money. Finally, you will have to pay for transactional transfers. In this case, the transaction fee depends on the transfer amount.
How to find your pin number for a debit card?
Don't rely on a financial institution to help you recover your password, as they don't have this information. All institutions are guided by the principle that this kind of information is inaccessible to their employees. And no one will extract your digits from the encrypted program either. Try looking for an envelope. When you are given a new plastic carrier at the branch, you receive it in an envelope with a special printout that has the PIN code on it. Check all your papers and important records, as 90% of us don't throw away such documents. You will then have to apply for a new card. There is no application for a different code at any institution. If you are unable to remember and find out the PIN code of your bank card, you have to apply for a new one, with a new number, expiration date, and, of course, a new secret set of digits. This is a chargeable procedure and takes around 7-10 days, but unfortunately, you have no other option.
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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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Email Us You may email us at support@bnine.com, one of our friendly Customer Success Team members will answer in 24-48 hours.

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  • ✅ Advance salary packaging
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  • ✅ Advance salary packaging - Bnine

Advance salary memo

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 of a dnp

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 paid entry

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 paid entry in tally

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.