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
Concrete_Soul Hardbody_Spirit
Greatest choice I have made in a while when it comes to banking.B9 comes through when you need them most.I received services immediately.
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!!!!
Brittnay Setting
B9 has been so helpful in the past recent weeks! Our family came into some rough patches and this app was the perfect way of advancing my own hard earned money and not charging me an arm and a leg to receive it sooner! I am so happy I signed up and will continue using it! the creator is the real GOAT!
kurbside
B9 is grrrrreat i really like this service and thanks B9 your the coolest awsomest app ever thanks so much be safe guys and god bless america give B9 a try seriously its grrrrrrrrrrrrreat
Janaya Andrews
I love the app so much it makes everything fast and easy to get to and when your low on funds this app really does help with that problem a lot I know that this app helps me so hey why don't you go ahead and download this app for your next payday
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.
Marcellus Fails
This application is great! I had a problem and they was quick to fix it and emailed me back everytime I emailed them!!!!
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
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
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.
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!!!
Aerie Morgan
B9 has helped me through my financial struggles now for the last three weeks. They make it easy to get a loan till payday and easy to pay back the loan on payday.
GENERAL FREQUENTLY ASKING QUESTIONS ABOUT BANKING AND ADVANCES
How long does it take to get a debit card?
The process of obtaining a personal debit card can be done through different banks. Your first step would be to pick a bank and figure out the ways how you can request a card from them. Depending on your personal preferences and the depth you will go into finding the best bank, this action can take a couple of minutes or hours and days of searching. The second step is to file for a card and give your personal data to the bank that you've chosen. The final step is to wait for the card to be done. In different banks, this takes a different amount of time. Some will send you the card in a few days, while others will make you wait for a few weeks.
How to add a debit card to cash app?
Cash App is a money service application for iOS and Android mobile devices. With this application, one can receive and send money, make purchases, save funds, and invest them. One can also attach a debit card to their Cash App account. To do so, a user will need to run the application, go to personal settings that will show a list of available options. One of the options will be adding a credit card. Note that there is no difference in what type of card you're adding - a credit or a debit card - both will work fine. To add a new card, the user will need to insert their card's account number. After that, the user will only need to approve the further actions by hitting the "add card" option.
How long does it take for a debit card to arrive?
The delivery time for your new or reissued debit card depends on your bank. In most situations, cards will be delivered within 5-10 business days. If you need the card earlier, don't despair. Some banks can issue a card the very next day or after a couple of business days. Also, delivery times depend on the address. Perhaps the fastest way would be to pick up the card yourself at a bank branch. You can always clarify the terms by calling the support service.
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 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 swipe a debit card?
There are two ways of swiping, and it depends on your debit card itself. You can either put your card into the card reader at the magazine and type in your PIN or enclose it on the screen of the card reader. The first option is available to all cards, and the second is trickier. Take your card and look at it. Does it have a Wi-Fi picture somewhere? If yes, then you can use the second option. When putting the card in, you will always need to type a PIN, but when you just enclose it to the screen, this is not always the case. Some card readers need a PIN only when the amount of money is larger than is the limit of a device, and others need a PIN all the time. If you need to stick the debit card in, always put it in with the face side of the card looking up.
How to get PayPal® with a debit card?
There is a restriction in the types of debit cards that PayPal® allows for usage. Check that the one that you want to link with a PayPal® is of Visa®Card, Mastercard®, or American Express types. Then go to the PayPal® website and find the Wallet button. Click it and then Credit and Debit cards as well. In this section, you are now able to link a card for its further exploitation through the PayPal® system. Put in all the information required, check its accuracy and save it.
What is a postal code on a debit card
A postal code is a special code that is unique for any geographical location. Postal codes make the mailing system function properly, with mail delivery reaching correct destinations. When speaking about debit cards, they also have their postal codes. But what for? In debit cards, a postal code is an additional security layer. It is a five-digit number that you will not find on your card's body. This code is mentioned in the debit card documents. This code is attached to the actual location when the cardholder resides and where the bills are mailed.
What do you need to get a debit card?
If you decide to get a debit card, you will need to take simple steps and collect a few documents. The list of documents often differs depending on the bank chosen, but usually, this includes an SSC, driver's license or ID with a photo, proof of address, and state identification card. It is better to check the current list on the bank's website or by calling the support service. After you have prepared the necessary documents, you can open a bank account. This can be done in person by visiting a bank branch convenient for you. Many also allow you to do this online through the website. Please indicate immediately if you need a debit card. After you make a request according to the bank's rules, they will send you the card or ask you to pick it up at the branch. This process takes from one working day to a week.
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 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 to get cash without debit card?
Nowadays, there is an opportunity of withdrawing money from your debit card without having a card with you. Usually, you can do it with the help of an app provided by your bank. Unlike a regular way of withdrawing money, using an app and special security codes that a bank sends you at the moment provides safety. There is no chance that you will accidentally lose your card or reveal any data by leaving a receipt near the ATM machine.
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No extra apps needed to move your funds
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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 advances balance sheet
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  • ✅ Salary advances balance sheet - Bnine

Salary advances accounting

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 advances and rti

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 advances definition

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 advances for nonprofit employees

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.