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
yahoo-finance
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
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.
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.
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.
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.
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
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
Andria Dixon
At first i was a little confused but after my first deposit i was able to advance an amount. Definitely happy and reccomend expecially during those pay gaps.
HUGO RAMOS
It is been a pleasure to apply and get this account I have no problems at all and I already set up direct deposit everything good 100% recommended
Taylor Hillhouse
B9 from the jump!!!! B9 seriously saved my behind off the jump! I was so thankful to have stumbled upon B9 and even more thankful when they advanced me $100 instantly! I was on the app maybe 5 minutes total & had $100 advanced to me!! Thank you so much B9!! You're a life saver for sure!!!!!! -forever greatful.
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.
Elizabeth Konkle
Fantastic service Enrollment was fast and easy. My direct deposit went through the same week, and I was immediately eligible to get an advance on my pay. The virtual card was useful while waiting in my card to arrive
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!
Frequently Asked Questions About Banking and Advances
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'
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.
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.
Creating a B9 account
Everything is very simple. It only takes 5 minutes to apply for a B9 account!

Step 1. Download the B9 App

Download in App Store
Download in Google Play

Step 2. Go through Onboarding steps

Please have the following information available:

Valid US phone number
Your Email
Your Full name and Date of birth
Your Full US address
Your SSN or ITIN number
Your US government issued photo ID

Step 3. Once you complete the onboarding process your bank account will be ready instantly!
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.
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.
How do I order my first B9 card?
B9 Physical card
Steps to get your first B9 physical card:
Step 1. Open your B9 account

Step 2. Add a minimum of 10$ to your B9 account

Step 3. Order your card, go to the Cards Tab of the app and you will see a card with a prompt asking you to "ISSUE PHYSICAL CARD". Once issued, it may take a few hours for card details to be displayed.
B9 debit cards have a cost of $10 and will go towards directly paying for the card. After ordering your first card, subsequent cards do not require a minimum balance.

Step 4. Cards take 5-10 business days to be delivered. If your card has not arrived after 10 business days, please reach back out to Support in B9 app or support@bnine.com.

Step 5. Activate your card after 1-2 business days following these steps: In the Cards Tab tap on the Physical card -> Click on Activate card -> Set a PIN
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.
Having problems adding external card?
These are the most common problems with the inability to add an external card:

Is the external card you’re trying to add is US issued debit card or prepaid card and not a credit card?
Did you make sure the information you typed is correct?
Are the billing addresses for both cards the same?
If above steps line up and error still occurs, please contact our customer support team for further investigation so we can get you up and running!
Pending B9 card transactions
B9 card transactions go through two phases:

Pending
Completed
Transactions first start as pending in order to allow for adjustments. Adjustments such as cancellations, tips to merchants, changes in the total, and more can happen in this phase of the transaction. Most transactions usually settle in the same amount as pending so that it does not affect your balance.

If a transaction is cancelled, it may take a few business days for the funds to be off hold and back into your B9 account. Any additional changes that happen will be reflected in your transaction history. If you have any questions about a transaction, please contact the merchant directly.
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.
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.