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
Michael
This great I got my pay check on time and I got to borrow money to pay off my bills. Still waiting on my card but I was still able to use without it,thank you so much
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.
David Baca
We were provided excellent customer service. All responses were prompt and professional. Clearly, the upfront statement on our policy stated it was limited which told us that our preliminary research was not well thought out.
Peter Davidson
At first I was Skeptical of this app. A lot of paycheck advancement app are Deceiving and hard to set up and are not 100% honest. B9 was actually simple and they kept there word on Everything they advertise.I got a paycheck advancement easy and quick without any fees. I would definitely recommend this app. My experience was great the only thing I would change would be that the app lets you transfer money to a debit card instantly. Plus Be compatible with Apple wallet and Apple Pay. Besides that the app is amazing and I will be using this app as my main go to when times are hard. Thank you Plus customer service it's very helpful and they respond quick. Hundred percent recommend this to anyone and everybody
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.
Jaci
Quick and easy cash advances and no problem with debit card for purchases! Works for cash app as well and comes in mail fairly fast. Definitely recommend using so far. Gives me a long time to pay back advance as well
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.
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
Bean
Also I'm going to everything that I need to do is keep one of the notifications of the V9 and abilities of the expectations of the remarkable institutions
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.
AG
This is a great app to have especially when you're running low on cash and don't know what To do you can always count on b9 to come through
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.
GENERAL FREQUENTLY ASKING QUESTIONS ABOUT BANKING AND ADVANCES
How do I get my unemployment debit card?
The unemployment card is issued by a bank chosen by your state. In most cases, it's a US Bank, Bank of America, or Central Bank. Once your claim for benefits is approved, it takes 7-10 days for the card to be issued. Once you've got the card, you have to activate it online or by phone. In some states, the unemployment card is issued before the first payment, so you will have zero balance at first. Keep the card after finding a job because if you apply for benefits another time, it will be used again without the need to wait for reissuing.
How to transfer money from a debit card to a prepaid card?
Cards with a stored value are very different from the usual debit cards. Talking about the regular ones, your money is kept in a private account of your bank. A debit card is a key for using these funds. Prepaid cards comprise an encrypted amount on a special anonymous account, while the debit card is recorded in the name of the owner. But sending a particular sum is no different from the usual one. It is important whether your bank has the possibility of such an operation. Ask the specialists in your bank about this option. And be sure to find out the commission that banks charge for the transfer. Knowing this, you should not have any problems with your money being sent and received.
How to use a debit card without a pin?
While using a pin is to protect your card, for some reason, you may want to use it without a code. This is possible in some situations. For instance, in many shops and other establishments, when paying, the terminal may ask you to select the "debit" or "credit" option after you have entered your card. If you choose the second option, the device will ask for your signature but not for the PIN code. The signature must match the one on the back of the card. Some small shops do not ask for a code for small purchases. And restaurants often require your signature on the receipt rather than entering a code on the terminal.
How to send money using debit card online?
The most convenient and frequently used method of transferring money online is a transfer via a debit card. There are several specially developed services designed for making transfers and payments. Firstly, you may use the Western Union service. This service operates both at the national and international levels and charges fees for each transfer. You may transfer money through the official website of the service, following all the instructions. The second method is to transfer money through Moneygram, where you need to activate and link a debit card. Finally, the simplest option is to transfer funds online via PayPal® or any similar service. When your card is authorized and linked to the service, you will be able to transfer money online.
What is the best reloadable debit card?
It is crucial to choose a card that has good conditions of use. For example, PayPal® Prepaid is a very good card made by Mastercard®. It is famous for its user-friendly interface and an opportunity to reload money and receive benefits faster than it was arranged. Two cards that are provided by Visa®Card are famous for no fees: the NetSpend Visa®Card Prepaid Card as well as the Pink NetSpend Visa®Card Prepaid Card. Moreover, the second one provides a cashback program for its users.
How to stop recurring payments on a debit card?
Most people often connect recurring payments for more convenient payment for services. You do not need to think about it constantly because your funds are debited automatically. However, if you want to stop a recurring payment, follow these steps. The first way is to disable recurring payments through your bank's online application. Usually, you may change this function in the settings. Select the desired account from which money is debited, and change the data on the regularity of debiting funds.
How to set up a debit card?
It is very easy to get a debit card now. It is perhaps more difficult to choose the best deal on the market. That's why, first of all, you must decide on the bank that you want to service your card and bank account. After that, you need to open an account in the bank. This can be done in several ways in person at any bank branch or via the Internet, by filling out a special form and provide the necessary documents. Then you request a card. It usually takes a bank from one working day to a week to make a card. Some banks will send you a package of documents by mail, and others will send a representative to you or ask you to pick up the card at their branch personally. After that, you just need to activate the card and use it. The activation process also depends on the chosen bank, but usually, this can be done either through ATM or the bank's application.
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.
What is the CVV on a debit card?
A CVV number is a special security code consisting of three-four digits. The code can be found on the opposite side of your debit card. Depending on the bank that issued your debit card, the number of digits in a CVV can insignificantly differ. What the abbreviation CVV stands for is the Card Verification Value, a numeric code that serves monetary safety and security purposes. It is extremely helpful because it ensures your funds are intact and no purchase with your card can be made without your permission. Often referred to as CVV2 numbers or CSC numbers, the extra-secure CVV codes are composed so that hackers and other fraudsters should fail to try to get the correct code to use your debit card and commit an unlawful act secretly.
How does a debit card work?
Even today, there are people who still seem to miss the difference between bank card types. Despite a similar design, credit and debit cards are altogether different types of bank cards in terms of money processing and payment procedures. Another thing that confuses users is the term "credit card. It is often used as a mutual term for both card types. A credit card is a card that has a limited amount of funds that you can borrow from the bank as you make purchases. When you go over the established limit, you overdraft your credit card. This means that you will have to put back more cash than you had to. A debit card, in its turn, has no limit. So technically, you can't overdraft it because it will not let you do so. When paying with such a card, you only use the funds that you actually have - you don't borrow anything from the bank. Basically, you can't spend more than what you have. To be able to use your debit card in the future, however, you need to regularly replenish your balance.
How to cancel all subscriptions on your debit card?
Most of our transactions are now done through our smartphones, and by means of them, the subscriptions can be canceled. In iPhones, open your settings and search for iTunes and App Stores' menu. There, choose to enter Apple ID and look for the subscriptions tab. Afterward, you will see all of them and can easily cancel those that you need. In Androids, the same can be done through your Google account. If your membership was made by means of other devices, then look for the website of this company and cancel it there, or call them and ask for the break of the contract.
How do overdrafts work?
An overdraft option is only possible if first, your bank has such an option, and second if you gave your bank consent for this possibility. If you didn't know about overdraft for a debit card before, call your bank and ask them if they can make it happen. After that, you won't have to worry about having a zero balance because your bank will back you up. But of course, there is a price for it, and it is usually about 35 dollars.
All-in-one
mobile app
Free download for iOS and Android
No extra apps needed to move your funds
B9 App
Legal
Contacting B9 Customer Support

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.

Complaints
Banking services are provided by Mbanq banking partners, Members FDIC. To report a complaint relating to banking services, email compliance@mbanq.com
  • ✅ Application for salary advance letters
  • ✅ All in one mobile app!
  • ✅ Application for salary advance letters - Bnine

Application for salary advance format

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.

Application for salary advance from office

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.

Application for salary advance loan

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.

Application for salary advance template

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.