Bnine How the B9 paycheck advance really works
Bnine (B9) lets you move your direct deposit into a B9 account and draw part of your paycheck before payday. Here are the limits, the monthly fee and the rules B9 does not put in its ads.
Read the Bnine reviewEstimate your monthly cost
Independent guide, not affiliated with B9, Inc. Reviewed by the Bninecash Editorial Team. Figures checked against B9's published terms on September 30, 2026.
Check your loan options
Need more than a Bnine advance can cover, or can't wait for your first paycheck to reach B9? Use this form to see personal loan offers from lenders in a third-party network. It takes a few minutes.
This is not the B9 application. It does not open a Bnine account or request a B9 Advance. To use Bnine, download the official B9 app.
Loan offer disclosure. The form on this page is not an application for a B9 account or a B9 Advance. It is operated by a third-party network that may connect you with independent lenders offering personal or installment loans. Bninecash is not a lender, does not make credit decisions and does not set rates or terms. Each lender sets its own APR, loan amount, term and fees, which vary by state law and your credit profile; the lender must show you the APR and all costs before you accept a loan. Unsecured personal loan APRs commonly fall in a single-digit to mid-30% range for qualified borrowers, and short-term or bad-credit loans can cost much more. Illustrative example only, not an offer: a $1,000 loan repaid in 12 monthly payments at 35.99% APR would cost about $100.46 a month, $1,205.49 in total. Late or missed payments can result in fees and may be reported to credit bureaus. Submitting a request does not guarantee an offer, and lenders may check your credit.
What is Bnine?
Bnine is the common name for B9, a mobile banking and paycheck advance app from B9, Inc., a Miami fintech founded in 2021. Members move their direct deposit into a B9 account and can draw part of their pay before payday, up to $250 on the $9.99 Basic plan or $1,000 on the Premium plan ($19.99 a month, or $6.99 a month billed yearly), with no credit check and no interest. The advance is repaid automatically from the next deposit.
- Company
- B9, Inc., Miami, FL
- Product type
- Earned wage access, not a loan
- Bank partner
- Evolve Bank & Trust, Member FDIC
- Accepts
- SSN or ITIN
What Bnine offers
B9, Inc. (often searched as Bnine, after its bnine.com domain) is a Miami-based fintech founded in 2021. It is not a bank. The Bnine app bundles five services around one requirement: your paycheck has to land in your B9 account.
Bnine cash advance
Draw part of your earned pay before payday. No credit check, no interest, no late fees. The advance is repaid automatically from the next deposit into your B9 account.
B9 Visa debit card
A Visa debit card tied to your B9 account, issued by Evolve Bank & Trust, Member FDIC. Works with Apple Pay and Google Pay and pays cashback in selected categories.
Transfers
ACH and wire transfers, free instant transfers between B9 members, and paid instant transfers to your card, Cash App or Venmo.
B9 Credit Builder
A separate credit-builder loan issued by Cross River Bank, Member FDIC, and serviced by BuildCredit LLC. This one is a real loan, unlike the advance.
B9 Play & Earn
Small cash rewards for playing games and completing simple tasks inside the Bnine app. Available on both plans. Treat it as pocket change, not income.
How to get a Bnine advance
The order matters. Most one-star Bnine reviews come from people who expected money before their first paycheck arrived. Not sure you qualify? Try the 30-second eligibility checker.
Open a B9 account
Download the official B9 app and verify your identity with an SSN or ITIN. Pick Basic or Premium.
Move your direct deposit
Send your paycheck, gig pay or benefits such as SSI to your B9 account. You can split deposits from more than one source.
Wait for the first deposit
Access starts after B9 receives your pay. You need at least $100 in qualifying deposits within 14 days.
Draw and repay
Cash out your available limit. Your next deposit into B9 repays the advance automatically, and consistent deposits raise your limit.
- Basic plan
- $9.99 / mo
- Basic advance limit
- up to $250
- Premium plan
- from $6.99 / mo
- Premium advance limit
- up to $1,000
- Typical first advance
- $10 to $50
- Interest, late fees, credit check
- $0 / none
You need at least $100 in payroll or benefits deposits to your B9 account within the last 14 days. Limits grow with consistent deposits.
Bnine plans compared
| Feature | Basic | Premium |
|---|---|---|
| Monthly price | $9.99 | $19.99 monthly, $35.97 every 3 months, or $6.99/mo billed yearly ($83.88) |
| Fee waiver | $0 with $5,000+ in monthly direct deposits | $0 with $5,000+ in monthly direct deposits |
| Advance limit per pay period | Up to $250 | Up to $1,000 |
| Cashback on B9 Visa debit card | Up to 5% | Up to 5% |
| Instant transfers and Play & Earn | Yes | Yes |
| Credit monitoring, priority support | No | Yes |
Prices and limits from B9's published plan details. Older reviews online still quote $5.99, $11.99 or a $500 cap; check the numbers against B9's current plans. See every Bnine fee.
What changed: old Bnine numbers vs current
Many review sites still quote B9's older plans. Here is how those figures compare with what B9 publishes now.
| Detail | Older figures still found online | Current figures |
|---|---|---|
| Basic plan price | $5.99 or $11.99 per month | $9.99 per month |
| Premium plan price | $19.99 per month, or $7.99 billed yearly | $19.99 per month, $35.97 every 3 months, or $6.99 per month billed yearly |
| Membership fee waiver | Not offered | $0 with $5,000+ in monthly direct deposits |
| Average approved advance | About $67 Basic, $260 Premium | About $67 Basic, $332 Premium (July 2026) |
| Basic advance limit | $100 to $300 | Up to $250 per pay period |
| Premium advance limit | $500, or "100% of your paycheck" | Up to $1,000 per pay period |
| Deposit needed to qualify | Often not stated | $100+ in payroll or benefits deposits within 14 days |
| Credit Builder | Not offered | Offered through Cross River Bank |
We don't list exact change dates because B9 doesn't publish them. If you see an older number elsewhere, trust B9's app on the day you sign up.
Where Bnine advances are available
B9 offers its paycheck advance in 44 states and Washington, D.C. Six states are excluded and one is capped. Check yours before you move your direct deposit.
Not available
Indiana, Kansas, Maryland, Nevada, South Carolina, Wisconsin
Available with a lower cap
Connecticut, limited to $750 per pay period
Available
All other states and D.C., subject to B9's normal eligibility rules
Based on B9's published cash advance terms. State rules for paycheck advance apps change often, so confirm in the official B9 app. This list covers B9 only; lenders on our apply page have their own state coverage. See the full Bnine state availability guide.
Our editorial rating of Bnine
We score Bnine on six criteria that matter to someone deciding whether to move a paycheck. The score is our editorial opinion, based on B9's published terms and public user feedback. B9 did not pay for or review it.
Where Bnine stands out
- One of the highest advertised advance ceilings among paycheck apps: up to $1,000 per pay period on Premium.
- Accepts an ITIN as well as an SSN, which most competing apps do not.
- No credit check, no interest and no late fees on the advance itself.
- Works with W-2 wages, gig income, part-time pay and benefits such as SSI.
Where Bnine falls short
- You pay a monthly membership whether or not you take an advance.
- New members usually start at $10 to $50, far below the headline limit.
- Any deposit into your B9 account goes toward repaying your advance first.
- Instant transfers to your debit card, Cash App or Venmo cost extra.
What B9 users rate the app
| Platform | Rating | Number of ratings |
|---|---|---|
| Google Play | 4.5 / 5 | about 20,300 |
| Apple App Store | 4.5 / 5 | about 15,000 |
| Trustpilot | 4.0 / 5 | about 1,174 |
Third-party ratings as shown on each platform at our last check. They are not collected by us. See Is Bnine legit? for the most common complaints.
Sources we check
- B9 official website (bnine.com) for plans, limits and product descriptions
- B9 Advance page (bnine.com/advance) for eligibility and state availability
- B9 subscription plans page (bnine.com/plans) and terms of service (bnine.com/terms)
- B9 app listings on the Apple App Store and Google Play
- B9 reviews on Trustpilot (trustpilot.com/review/bnine.com)
- Consumer Financial Protection Bureau for consumer rights and complaints
- FDIC for deposit insurance rules
- Federal Trade Commission for advertising and disclosure standards
Bnine vs EarnIn, Dave and Brigit
The biggest difference is where your paycheck goes. Bnine needs your direct deposit in a B9 account. The others link to the bank account you already have.
| App | Maximum advance | Monthly cost | Instant transfer | Move your paycheck? |
|---|---|---|---|---|
| Bnine (B9) | $250 Basic, $1,000 Premium per pay period | $9.99 Basic; Premium from $6.99; $0 with $5,000+ deposits | Optional fee | Yes, to a B9 account |
| EarnIn | $150 per day, up to $1,000 per pay period | $0, optional tips | From $3.99 | No, links your bank |
| Dave | $25 to $500 | Up to $5, plus 5% per advance ($5 minimum) | 1.5% to an outside debit card | No, links your bank |
| Brigit | $25 to $500 | $8.99 to $15.99 | Optional fee, varies by plan | No, links your bank |
None of these apps charge interest or run a hard credit check for advances. Figures from each provider's published terms and fee pages at our last check; limits vary by user and most people start well below the maximum.
Choose Bnine if you have steady deposits, want a high limit, or file taxes with an ITIN and are willing to make B9 your main account.
Look elsewhere if you want to keep your current bank, or only need an advance a few times a year and would rather not pay a monthly fee.
Explore every Bnine topic
Each page covers one question in depth, with facts checked against B9's published terms.
- Bnine reviewOur verdict, pros, cons and who the app suits.
- Bnine cash advanceLimits, how the limit grows, and how repayment works.
- Plans and feesBasic vs Premium and every fee B9 charges.
- RequirementsSSN or ITIN, the 14-day deposit rule and common reasons for denial.
- State availabilityWhere B9 Advances are offered, capped or unavailable.
- Is Bnine legit?Company background, ratings and real complaints.
- B9 Visa debit cardCashback, safety and known limitations.
- B9 Credit BuilderThe one Bnine product that is a loan.
- Customer serviceHow to contact B9 and cancel a membership.
- Bnine alternativesOther apps and options to bridge a gap.
- Cost calculatorWhat a Bnine advance really costs per month.
- Advance not available?Eight reasons your B9 advance is missing, and how to fix them.
- Bnine vs EarnInLimits, fees and which paycheck app fits you.
- Bnine with an ITINHow ITIN holders open an account and qualify.
- Bnine for SSIHow benefit deposits qualify and how repayment works.
- Eligibility checkerFive quick questions to see if you qualify for a B9 advance.
Our Editorial Team
This site is written and maintained by the Bninecash Editorial Team, a small group of writers and editors who research U.S. consumer finance products. We publish under one collective byline and never use invented names or credentials.
What we do for every Bnine page
- Check primary sources. Plan prices, limits and eligibility come from B9's own website, terms and app store listings.
- Date every fact. Each page shows the date its figures were last verified.
- Publish the downsides. We report fees, limits and user complaints alongside what Bnine does well.
- Stay independent. We are not affiliated with B9, Inc. and B9 does not pay for or approve our coverage.
- Fix errors fast. Send corrections with a source to [email protected].
Bnine FAQ
Is Bnine the same as B9?
Yes. B9, Inc. operates the app and uses the domain bnine.com, so many people search for it as Bnine. The app is listed as B9 in the App Store and Google Play.
Is a Bnine advance a loan?
No. B9 states that its advances are not loans, payday loans or personal loans. There is no interest and no credit check. The separate B9 Credit Builder is a loan from Cross River Bank.
How much can I get from Bnine on day one?
Usually very little. B9 says new users typically start between $10 and $50, and the limit grows as regular deposits arrive. The $1,000 ceiling applies to eligible Premium members.
What do I need to qualify for a Bnine advance?
A paid B9 plan, an SSN or ITIN, and at least $100 in payroll or benefits deposits to your B9 account within the last 14 days, plus a clean repayment history.
Does Bnine check my credit?
No. B9 does not run a soft or hard credit inquiry to open an account or approve an advance.
How is a Bnine advance repaid?
Automatically. Any deposit into your B9 account goes toward your outstanding advance first, including small transfers, not only payroll.
Is Bnine available in every state?
No. B9 Advances are offered in 44 states and Washington, D.C. Six states are excluded and Connecticut is capped at $750 per pay period; the full list is on our state availability page.
Is Bnine safe and legit?
Yes. B9, Inc. is a Miami-based fintech founded in 2021, and B9 says deposits are FDIC-insured up to $250,000 through Evolve Bank & Trust. Most complaints concern fees and small starting limits, not fraud.
Can I cancel Bnine anytime?
B9 describes the Basic plan as cancel-anytime. Repay any outstanding advance first, since B9 will not issue new advances while a balance remains.
Is Bninecash part of B9?
No. Bninecash is an independent guide. We cannot open, change or close a B9 account. For account help, contact B9 through the app or at [email protected].
Short on more than one paycheck can cover?
A Bnine advance tops out at your limit. If you need a larger amount, you can compare personal loan offers from a third-party lender network. This is separate from B9.