B9 ADVANCE
Deposit funds from your paycheck to your B9 account and get early access up to 100% of your earnings for the last 15 days.
Subject to approval
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
Who is B9 Advance best suited for?
  • Hard working part-time and full-time employees
  • Gig workers
  • Students
  • Immigrants
Don’t wait for your paycheck anymore!
How do I get an advance?
Step 1
Download the app & set up your B9 Account and B9 Visa Debit Card.
Step 2
Set up your payroll direct deposit instantly in B9 or via paper form with your employer to automatically enroll into B9 Advance membership.
Step 3
If you’ve completed direct deposit setup to your B9 Account and we see your incoming funds, we will alert you to the availability of advance pay through the B9 App, SMS messages and/or email.
Eligible users will then be offered the opportunity to receive a free B9 Advance to their B9 Account, if applicable. B9 Advance is an optional, no-fee service for its members.
What are the eligibility requirements for the advance service?
The complete eligibility criteria for B9 Advance can be found within the Terms of Service but have also been summarized for your convenience below.
Your B9 Account must be in good standing.
You have received at least $300 in payroll deposits over the last 14 days.
You have paid back all previous cash advances within 15 calendar days.
What if I deposit my paycheck out of my B9 Account?
If you deposit your paycheck to your B9 account those funds will not count towards your payroll deposit.
Everyday banking with
NO credit checks,
NO minimum balance,
NO overdraft fees.
Up to 5% cashback
Choose the card you prefer- physical B9 Visa debit card or a virtual card. Cashback is available for both.
Bank
transfers
Transfers in seconds, ACH is also available.
Credit Score under control
Get access to your credit report and monitoring- included in the Premium Plan.
B9 Advances for employees
Combining work and benefits, switch your work-related income to B9 as well and get paid up to $500, 0% APR.
REVIEWS
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
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
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
Patricia
Payday advance. I was in need of money before my payday. I didn't want to take out a personal or payday loan and pay high interest rates. With B9, I was able to receive an instant payday advance over a week before my actual payday. Sign up was simple and quick. B9 came through and saved me a lot of time, money worry and stress. The advance will be deducted from my payday direct deposit without the high interest rates attached!
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
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
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.
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
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
Tymesea Stacks
I've had a great experience with this card/company so far. Always responds back in a timely matter when I have questions. No complaints.
Javier Fernandez
So far this financial tool has delivered all the offerings of its platform including the most attractive which is incremental in pay advances depending on the consistency of your employee direct deposits. The app is pretty simple and user friendly
Frequently Asked Questions About Banking and Advances
How does advance repayment work?
Any time a deposit is made into your B9 account, that deposit goes towards the repayment of an advance balance if you have one. You can also use your available balance to repay your advance balance. After the advance is paid off in full, if all requirements are met, a new one will be offered to you a few hours after.
Things to keep in mind:

If you partially paid your B9 Advance, you will not be eligible for a new one until you pay off the full amount of the previous B9 Advance.
Late repayment of your B9 Advance will affect your B9 Score and ultimately lower your future B9 Advance limits.
Multi-factor authentication during direct deposit set up
Another common reason may be that you are not completing the multi-factor authentication that your employer/payroll requires to connect. Multi-factor authentication can be a code sent to you through SMS or email by your employer, a security question, etc. Please make sure to complete the multi-factor authentication to connect and if you are not receiving the multi-factor authentication, please reach out to your employer/payroll to verify your details.
When do I get my advance?
After receiving your first payroll deposit, B9 will offer you an advance within one hour of receiving your deposit. You will see a banner notification on your phone letting you know that an advance is available. You can also view available advance offers on the bottom of the Wallet Tab of the app.

If you received your payroll deposit, but haven't gotten an advance, there could be a few reasons that an advance offer hasn't been extended:

deposit just wasn't recognized as a payroll deposit, there was a system error that prevented the advance from being offered. If this is the case, please reach out to our Customer Success Team
deposit is ineligible for the advance service at this time such as a deposit from SSI or UI. If this is the case, try adding additional sources of income such as Doordash, Uber, Lyft, etc.
Can't find your employer or payroll company during direct deposit set up
It could also be that you just can't find your employer or payroll company. No worries! If this is the case, please fill out the direct deposit form that is sent to your email when you choose the manual deposit switch option and give it to your employer.
What are the eligibility requirements for the advance service?
The complete eligibility criteria for B9 Advance can be found within the Terms of Service but have also been summarized for your convenience below.
Your B9 Account must be in good standing;
You have received at least $300 in payroll deposits over the last 14 days
You have paid back all previous cash advances within 15 calendar days.
How do I get an advance?
Step 1. Download the app & set up your B9 Account and B9 Visa Debit Card;
Step 2. Set up your payroll direct deposit instantly in B9 or via paper form with your employer to automatically enroll into B9 Advance membership;
Step 3. If you’ve completed direct deposit setup to your B9 Account and we see your incoming funds, we will alert you to the availability of advance pay through the B9 App, SMS messages and/or email.

Eligible users will then be offered the opportunity to receive a free Advance to their B9 Account, if applicable. B9 Advance is an optional, no-fee service for its members.
Missing direct deposit
B9 never holds direct deposits. We will always post your funds as soon as we receive them from your employer or your benefits provider.

The timing of your deposit depends on when the sender initiates the payment to your B9 account. Deposits post Monday-to-Friday throughout the day.

If you do not see your direct deposit in your account, it means that we haven’t received it yet. As soon as your direct deposit arrives you will receive a push notification.
Setting up direct deposit
Options to set up your direct deposit:

Set up your direct deposit online in the B9 App. Setup Direct deposit switch online
By sharing your B9 bank account details with your employer
Download manual switch form in B9 App and submit to your employer Get DD form from B9 app
Why did my advance limit change?
The amount of advance pay you are eligible to receive is based on multiple factors and criteria determined by B9 and may change from time to time. Some of them are:

your B9 Account℠ history
direct deposit frequency and amount
spending activity
other risk-based factors
Your current available amount is displayed in the Wallet Tab of the B9 mobile app. Your limit may change at any time, at B9's discretion.
Invalid credentials during direct deposit set up
The most common issue that prevents you from connecting your payroll is invalid credentials. Below is a sample of what this type of error looks like.
If you receive this error, please make sure that you are entering your username and password for your employer/payroll correctly to connect. You can reset your password if needed at this point as well which is a quick fix for this type of error.
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 when you need it!

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 the 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: You can 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
Mbanq’s banking partner, Evolve Bank and Trust, Member FDIC. To report a complaint relating to banking services, email compliance@mbanq.com

Policy on salary advance

  • ✅ Policy on salary advance
  • ✅ All in one mobile app!
  • ✅ Policy on salary advance - Bnine

Planters fort smith ar machine operator advance salary

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.

Planters machine operator advance salary

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.

Predatory salary advance documentary

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.

Predatory salary advance documentary show

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.