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
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!!!
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
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.
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
Ross Rudd
AMAZING I've never had no problems. Amazing acct for gig workers just like me. It's nice to access your check right away instead of waiting to payday.
Matt Dominguez
B9 has been a great service, they have really came in clutch when I've needed funds asap! I tell all my friends and family about the service, and how they have to get enrolled to see for themselves. Thank you B9!!!!
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.
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
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
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
Armando
You guys help a lot of people out with your advance only thing I would do if I be were you guys is maybe advance a lil bit more money for the bigger families out there.
Frequently Asked Questions About Banking and Advances
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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

Salary advance security bank

  • ✅ Salary advance security bank
  • ✅ All in one mobile app!
  • ✅ Salary advance security bank - Bnine

Salary advance sample policies

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.

Salary advance secu

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.

Salary advance security bank requirements

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.

Salary advance security bank sms format

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.