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
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.
Teresa Urbano
This is app is great for an advance I was able to get a cash advance by my 2nd direct deposit. I would definitely recommend this app never really had issues with it like other payroll advance app. And it also lets you repay them anytime it's GREAT!!!!
Author
I was in a stressful spot when b9 helped.me with the money I had to come up with to keep my power on I have recommended b9 to multiple of my friends thank you b9
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.
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
Dino Nunes
This is a fantastic card and they advance on your pay and every time you pay it back it goes up a little bit higher for the old grants even more money it's a great great service very happy I won't go anywhere else
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
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
Hayden Phillips
B9 is amazing, it has everything I need to do banking, and it even offers a cash advance which is really useful when unexpected expenses come up. I would highly recommend this and give it a five star rating!
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
Elyanna Alvarez
I love b9 my direct deposit comes in earlier than my normal bank! I also love the cash advance option as I sometimes need my paycheck asap. Awesomeness
dystany zapata
I feel like a part of a family. Everything is convient and easy. Quick cash advance and easy to pay back. I have not had any problems with this bank since I have been a customer. Customer is very fast and effective and reply back fast. I would highly recommend this bank to family and friends
GENERAL FREQUENTLY ASKING QUESTIONS ABOUT BANKING AND ADVANCES
How to check balance on a Visa®Card debit card?
The easiest way to check your Visa®Card balance is to use the online bank. The process may vary slightly depending on which particular bank your card is issued with, but on average, you need to go to the website of your credit institution, go to the online bank section, enter your username and password, then confirm your entry with a text message. Go to the bank cards section, where you should see the current status of your funds. If you are on the street, the easiest way to check your account is by using a terminal or ATM. To do this, insert your card into the special slot on the device and enter your PIN. Choose menu item "Balance" or "Check balance. The ATM will offer to print the balance on a receipt or show it on the screen of the device.
What is a debit card?
While a card of this kind can be found in every cardholder nowadays, its functioning principles, as well as the main features, are often beyond the range of its user's interest. In a debit card Visa®Card, Mastercard®® , and others the features of credit and ATM cards have merged to allow the user to perform operations with money from their bank accounts. Debit cards can be used in various cases, such as buying items at online shops, paying for purchases to a cashier at a supermarket, or using a mobile wallet application. The card is directly connected to your account in a bank, which differs from how a credit card operates. Hence, you can perform transactions concerning the money on your deposit or digital withdrawal from your ATM.
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 transfer money from a debit card to a bank account?
Thanks to debit cards, anyone may transfer money to another person's account with or without a transaction fee. Sending money in this way requires only account data (the number and name of the owner) and the ability to use the bank's online applications. Log in to your bank's mobile application, select the desired card and specify the number of funds debited. After, select the "transfer to a bank account" function and enter the recipient's account number. Do not forget to check all entered data before the transfer. There are also special online services through which you may also transfer money to a bank account. They have a similar translation process.
How do banks investigate disputes on debit cards?
In each bank, there are particular people that are responsible for resolving transaction frauds. These people, bank investigators, will firstly look at the data of the transaction which came under the question. It can be an IP address of the purchase made or the unusual timing for this card, and so on. When the cardholder claims that the seller somehow tricked them, some additional info about this merchant may be obtained. If the situation becomes serious in the opinion of the bank, then outside forces, such as the police or the Federal Bureau of Investigation, could be incorporated.
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 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 check how much money is on a debit card?
There are several ways to check the amount of funds on your debit card. The first is to use online banking, which is linked to your card. Just go to the application and see the balance; the main thing is to have an Internet connection. The second option is to try to find the nearest ATM, use it by entering the PIN code and selecting the "balance check" function. The amount that is stored on the card should appear on the screen. The last method is to call the bank's hotline, wait for an answer, and request the card balance. Perhaps you will be asked for some data to verify that you are the owner.
How long does it take to get an unemployment debit card?
An unemployment insurance debit card is a card that one may need to receive unemployment compensation. To get such a card, one will have to sign up for unemployment benefits. After that, the unemployment debit card will be sent to a client via mail. Usually, it takes from seven to ten business days for a new card to arrive. When the card arrives, a user will need to activate it to be able to receive unemployment compensations from the state.
How to renew a debit card?
As a rule, if the card has expired, you will not be able to use it for making purchases and other transactions. Also, if you have enabled automatic payments, you will receive a message about their cancellation. However, it is not a reason to worry and be nervous because you can extend the validity of debit cards through a bank. If you contact the bank to reissue the card, your card number will remain the same (it is 16 digits), but the CVV number will change. If your card is lost or stolen, the bank will still completely change all your card details to prevent fraud. To renew the card's expiration date, contact the bank with this request. Within a few days, our specialists will contact you and inform you about the possibility of obtaining a new card. After receiving the card, be sure to activate it either at the bank or at home yourself. An important point is the disposal of the old card. Cut it into small pieces so that no one can use it for fraudulent purposes.
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 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.
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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.

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  • ✅ Salary advanced guestbook 2 4 1
  • ✅ All in one mobile app!
  • ✅ Salary advanced guestbook 2 4 1 - Bnine

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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.

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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.

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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.

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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.