B9 Visa® Debit Card with up to 5% cashback
Pay everywhere with you B9 Visa® card of withdraw cash from an ATM.
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finovate
finextra
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The first B9 Visa® Debit Card
With up to 5 % cashback
Cashback how
How it works
Select your personal categories
Select the categories you want to use the most every month. Cashback will be deposited by the 5th of the following month.
Spend at least $200
You will begin to earn cashback as soon as you reach $200 worth of the categories you selected.
Cashback program rules
Cashback Reward Amounts and Criteria
B9 is not a Bank. B9 Card is issued by Evolve Bank & Trust pursuant to a license from Visa. Rewards are not offered by Evolve Bank & Trust and are instead offered and managed by B9. The amount of cashback that a you receive each month is dependent on the your aggregate spending each month at cashback eligible merchants. The cashback you receive may vary from month to month and year to year. All members with a B9 Debit Card are eligible for cashback rewards and will be given an opportunity to select up to 4 merchant categories when they sign-up for cashback, for which the member may receive cashback rewards, so long as the member satisfies the minimum monthly aggregate spending requirements of $200 with the selected MCCS. You may sign up for cashback rewards on the B9 App.
Cashback Amount Criteria
0.5% to 5.0% Depends on the merchant category codes selected and upon meeting the required spending.
How and When Will I Receive My Cashback Rewards
Your cashback rewards will be automatically deposited into your B9 Account and can be used for any purchase or can be electronically transferred to a different account.
Monthly cashback amount will be credited to your account on the 5th of the following month.
GET YOUR B9 VISA® DEBIT CARD
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
Keep your 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
Rob G
I've had nothing but a positive experience with B9. Account set up with easy and Bank verification was less than a day. It took a week for my direct deposit to hit so that they could give me an advance but once they could verify the income it was a very simple process. I would recommend 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
Komron Music
B9 is a wonderful service! I would highly recommend them to anyone else who uses Uber or Lyft. They have cash advances for Uber drivers as well... amazing.
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.
Jabria
Choose B9. B9 has given me the flexibility to do more. With the services they offer on their platform, I am confident within myself and my finances. 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.
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.
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
Kayla Krauter
Amazing app, it's so easy to use! Customer service is always super quick to respond and resolve whatever needs their attention. I always know my money's safe when I bank with B9!
Koroush
New age of banking is here ! Being able to withdraw cash two weeks prior to payday is a life saver for people like myself who live paycheck to paycheck . getting paid two days early is also a life saver , fast and swift mailing of the debit card was also a breath a fresh air compared to other banks that take much longer to send a card that can be given much swifter.
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!!!!
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
Frequently Asked Questions About Banking and Advances
Missing credit/transfer Payroll Deposit:
We are sorry to hear your paycheck hasn’t hit yet! If this is your first direct deposit, it can take a pay cycle for changes to be reflected depending on your employer.

Please reach out to your employer and make sure that they have the correct account number and routing number. You can find that information in the Wallet Tab of the app by clicking in the top right corner and selecting B9 Wallet.

Unlike traditional banks, B9 does not hold your direct deposit until Friday to release it. We do not hold payroll deposits and as soon as we receive the deposit from your employer, we will post it! In the meantime, keep checking your B9 app for your up-to-date account balance!
How do I add my card to a digital wallet?
To find your Physical or virtual card information in the app:

Click on the Cards tab of the app
Click on View Details on your B9 card
You can add your B9 virtual or physical card to use with Apple Pay, Google Pay, or Samsung Pay. B9 makes it easy by having a button right under your B9 card in the Cards tab that allows you to connect to your digital wallet.
To set your B9 card as your default card, follow these steps for your Apple device:
Apple Pay (iOS devices)
- Go to Settings > Wallet & Apple Pay
- Under Transaction Defaults, click 'Default'
- Select your B9 debit card as your default
Lost my B9 card, what should I do?
Please follow these steps in case you lost your B9 card:
Lock your card to secure your funds
Order new B9 card
Why my spending doesn't count towards Cashback?
One of the common scenario is the transaction doesn't include correct MCC* code.

List of MCC codes for each category can be found here: Terms of Service

*Merchant Category Codes (“MCCs”) - are four-digit numbers that a credit card issuer uses to categorize the transactions consumers complete using a particular card. Payment brands use merchant category codes to classify merchants and businesses by the type of goods or services provided in order to track and restrict transactions.
Will I receive cashback rewards for charitable donations, gift card purchases and deposits into crypto wallets?
Unlikely as these will most likely be conducted as cash transactions and will therefore not be considered a purchase as required to be eligible for cashback rewards.
Missing credit/transfer ACH Transfers
ACH transfers can take up to 72 business hours to complete (excluding weekends and federal holidays). In many cases, these transfers can settle sooner.
How do I activate my B9 Visa Debit Card?
You will be able to activate physical card 1-2 business days after you order it.

The steps to activate your card are as follows:

Login -> Cards Tab -> Click on Activate button -> Set a PIN

Virtual card doesn't require the activation.
Missing credit/transfer Merchant Refunds:
Refunds depend on the refund policy of the store (merchant) you are expecting the refund from. Many stores (merchants) will refund your purchase anywhere from a few hours to a few days. Depending on the policy, many stores (merchants) must process and authorize a refund prior to it being posted to your B9 account. Please allow for some time so that the merchant’s refund policy may be fulfilled.
When is cashback paid?
Cashback is deposited by the 5th of the following month.

If I report a fraud on my account or my card as lost/stolen, will I be able to keep the cashback rewards that are attributed to the fraudulent activity?

No, as part of our commitment to the security of our members, B9 will not hold you liable for any fraudulent purchases made on your account without your permission and will therefore void cashback rewards attributed to fraudulent activity.
Cashback rewards attributed to legitimate activity will not be impacted by the fraud on the member’s account.
Lost my B9 card, what should I do?
Please follow these steps in case you lost your B9 card:
Lock your card to secure your funds
Order new B9 card
What happens to my cashback rewards if I return a purchase?
In the event, that purchase is returned, voided, or canceled prior to the cashback being awarded to the member, the cashback rewards attributed to the return, voided, or canceled purchase will be voided and not deposited into the member’s account.
In the event a purchase is returned, voided, or canceled after the cashback is awarded to the member, the cashback rewards attributed to the return, voided, or canceled purchase will negate an equal amount of cash back rewards to be awarded to the member in subsequent months until the balance of the returned, voided or canceled purchase cashback rewards is satisfied.
Requesting bank statement
You can request a bank statement within the app by going to the Wallet Tab -> click on the 3 dots in the top right corner -> request an Account Statement.

Feel free to reach out to our Customer Support team for any questions regarding your bank statement.

In App support

Email: support@bnine.com

Phone Number: (888) 297-5504
To set your B9 card as your default card, follow these steps for your Android device:
Google Pay (Android devices)
- Once in the Google Pay app, on the bottom, tap 'Payment'
- Tap the payment method you want to make your default
- Tap 'Make default'
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

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There is no doubt that the major part of humanity got used to employing debit and credit cards in their daily life and each financial affair. Not a long time ago, the banking system introduced a Virtual Card. It is a computer-generated representative of your physical plastic card in your smartphone.

With its help, you can perform online purchases without having a real card number nearby.

Do not be afraid to make the online card and deposit funds there since Virtual Card is able to prevent fraud in the similar way the common cards do it. Therefore, online payments are secured transactions and are performed billions of times per day by millions of virtual credit card issuers.

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Benefits of Virtual Cards

Not to mention that nowadays it is almost necessary to have a Virtual Card. However, there are still some people who doubt the usefulness and worthiness of it.

Below you will find the list of advantages of having a digital card:

  • When establishing Virtual Card, you get access to the mobile app (any kinds of digital wallets) where all the card information is stored. Not only can you see the card number, expiration date, and CVV, but also have greater control over the money management
  • Moreover, in this app, you can set the spending limit or change the settings for a particular card without contacting your bank. There is also a possibility to launch bonus programs, such as cashback for the recurring payments and earn rewards via each online payment
  • The most significant feature is that you get an instant notification on your phone each time the money is withdrawn from the card or when you spend limits. It is a special level of security, so you will know when scammers are trying to use your funds
  • Except for online shopping, you can perform any transaction with your virtual card. For instance, transferring money from one account to another, requiring money, and even applying for a loan. To do it, you will not even need any card details, only your phone password and enough money in your bank account

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There are many other benefits from having a digital card, such as savings accounts or favorable terms of use for the issuers, but to mention them will take a lot of time, so you would better try it all by yourself!

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To activate your virtual card, you have to know the actual card number, expiration dates, CVV code, and the issuer`s name.

Choose the relevant virtual card issuer`s app (depending on your banking system), and enter the card information.

Choose one of the following ways of using your card: Google Pay, Samsung Pay, Apple Pay. Proceed to fill in the information (like security code, personal information of the issuer, etc.) in your online account.

If you already have funds on another virtual card, you can transfer them to the new one. If not, you can deposit cash through the ATM.

Virtual Debit Cards

You can convert your physical debit card into a virtual one easily by downloading the app of the card representative and entering the card details. You will be able to use the card both virtually and in real life. However, note that different cards require additional fees due to the service.

Virtual Credit Cards

A virtual credit card is a more complicated option, yet still easy to create and use. As previously, all you have to do is download the relevant app and set the spending limit. After an established period of time, you will have to add money there to cover the accumulated debt.