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
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.
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
Antonio Sherrell
Best Bank Advancement Incentive. I was browsing through the app and came across B9 and decided to give it a try. So after downloading it and seeing i can set up direct deposit via my employer. The best thing is you can get an advance up to your full paycheck.
Menterro Hambrick
I just recently started using the service and it has exceeded my expectations!!! The features alone was worth switching over my full deposit.
Chris B
They gave me an advance when nobody else would. They also made it super easy to switch my direct deposit over. Extremely helpful customer service
Andria Dixon
At first i was a little confused but after my first deposit i was able to advance an amount. Definitely happy and reccomend expecially during those pay gaps.
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.
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
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.
Joe Hansbrough
Very easy to use customer service was really quick to fix the problem that I had will definitely be recommending this to my family and friends
Elizabeth Konkle
Fantastic service Enrollment was fast and easy. My direct deposit went through the same week, and I was immediately eligible to get an advance on my pay. The virtual card was useful while waiting in my card to arrive
Carmen Jenkins
B9's tools are some of the best in the business. The bank also offers a full-service online experience and a great mobile app. They also have excellent checking and savings accounts, with no monthly fees, and a large ATM network.
GENERAL FREQUENTLY ASKING QUESTIONS ABOUT BANKING AND ADVANCES
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.
How to check a Visa®Card debit card balance?
It is through the online banking app that the balance on your Visa®Card card can be assessed. The procedure can be distinctive in different banks; however, the principle is quite the same in all banks. Visit the official web page of your bank and fill in the boxes with username and unique pass-key. After that, proceed to verify your request by using a text. After that, open the designated bank card section of the website, and you will be able to check your current balance on the card. Another way is to use an ATM machine: input your bank card in a special slot in an ATM, enter your secret PIN. Browse the menu to find the Balance item. Depending on your wishes, an ATM provides you with a receipt of the operation.
What is a prepaid debit card?
A prepaid card is a banking product that is a card with funds credited to it, similar to the gift cards of retail chains, as well as those of mobile operators and Internet service providers. There is no annual or another maintenance fee for such cards. The client is only charged a fee for issuing the card, which depends on its face value. The cards can be plastic with a magnetic stripe and CVC2 code or virtual. This card is not personalized and is not linked to an account. The owner of this card can make any purchases within the limit, which is set on the balance of funds and the total amount of funds transferred to the card.
I lost my debit card how can I get money?
You can only withdraw money from a stolen or lost card if you have not blocked it. The actual amount will not be withdrawn from the plastic card but from the card account to which it is linked. All options for withdrawing money from a card account: Transfer to another card. If you remember the card details, have access to online banking, or have a template created in your personal office, you can transfer money to any other card, either within your bank or to another bank. The lost card can then be blocked and reissued. At an ATM. Some self-service terminals allow you to withdraw money using the phone number linked to your credit card. You will have to confirm the transaction with a code, which will be sent to your authorized mobile phone number by SMS. At the bank's cash desk. You can get the money at the cashier's desk of your bank with your passport. But this will take a long time, so this option is suitable if you can get to the office and cash out quickly. If it's a long way to the counter, fraud
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 use a debit card in a store?
There is nothing easier than paying with a debit card for purchases or services. It is much more convenient than dealing with cash. Almost all new cards have a special chip, thanks to which it is enough to simply attach your card to the card reader when paying in a store. Also, the card can be inserted into this device. Obsolete card models may require swiping. After that, you usually need to enter a PIN code or sign your check. Make sure your card is signed on the back and matches the one you leave on the check.
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.
What is the difference between a credit and a debit card?
A debit bank card acts as a personal account, where its owner's money is kept. For example, wages can be transferred to it, and the amount of withdrawal is limited to the limit of available funds on the account. Also, on the account of a card, you can deposit or withdraw cash. It can pay for online purchases and stores that accept payment online. You can also transfer funds to other banks via SMS, mobile application, or personal account on the website. A credit card is also can be used to make purchases and withdraw cash from ATMs or the bank itself. But the credit card gives more financial freedom to its owner: it allows you to travel, buy desirable things and gifts even when you don't have money of your own by the amount lent to you by the bank.
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 check if a debit card is active online?
If you have received a new debit card, you need to check whether it is active on the Internet. Firstly, call the bank where you received the card. Specialists will verify whether your card is active online through the bank system. The second way is to use the bank's online program. If you have subscribed to this system, you may activate your debit card via the Internet. This variant is not troublesome if you follow all the instructions and have a username and password from the account. If you are unable to activate it, contact the bank's customer support. As a rule, you may also try to make an online purchase in the store to see if your card is active online. In any case, if you have any difficulties and questions, contact the bank or the support service.
At what age can you get a debit card?
Basically, a person cannot become a cardholder until they reach 18. However, there are two cases when a minor (a person under eighteen years old) can own and use a debit card. The first case is called a "student account" - this means that a teenager gets to use a personal debit card. A guardian's signature is necessary. The second case is when a minor receives their own debit card that is actually tied to their guardian's account. Thus, when a minor makes a payment, the funds are withdrawn from their guardian's account.
How to stop a debit card payment?
Anyone may stop a transaction payment by debit card if such a need arises. If money has been debited from the card, call the customer support service. Contact a specialist, explain the situation and why you want to stop the payment. Usually, this information includes the amount and date of payment and the name of the seller. Also, the seller must contact a bank representative and explain what happened. Finally, if you want to stop an automatic payment, inform your issuer about it or change this function through the online application in the settings section. The bank has no right to refuse such a request to you and must consider it.
All-in-one
mobile app
Free download for iOS and Android
No extra apps needed to move your funds
B9 App
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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
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Equity salary advance loan

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.

Equity salary advance requirements

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.

Example of application for salary advance

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.

Exaplin a salary advancement

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.