Mbanq’s banking partner is Evolve Bank & Trust, Member FDIC. To report a complaint relating to banking services, email compliance@mbanq.com.
1 B9 is not a bank. B9 is a financial technology company. Banking Services are provided by Mbanq’s banking partner, Evolve Bank & Trust, Member FDIC. The B9 Account℠ is provided by Evolve Bank & Trust, Member FDIC. The B9 Visa® Card is issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Deposits held at Evolve Bank & Trust are insured up to $250,000 per depositor, per account ownership category, by the FDIC. FDIC insurance protects against the failure of an FDIC-insured depository institution.
2 B9 Advance℠ is an optional, no fee service offered by B9 to its members that requires members to set up a payroll direct deposit to be deposited to the member’s B9 Account℠ at least once each month. The amount of advance a member is eligible to receive will be based on the member's B9 Account℠ history, payroll direct deposit frequency and deposit amount, and other factors determined by B9, and may change from time to time. If a member directs funds to its B9 Account℠ outside his/her paycheck, those funds will not count towards their payroll deposit.
Eligibility requirements apply. Not all users will qualify. As of August 2026, B9 Basic offers advances up to $250 with an average of $68 and B9 Premium offers advances up to $1,000 with an average of $348. Advances not available in all states. See Terms of Service or contact B9 via support@bnine.com for additional terms, conditions, and eligibility requirements.
For Cashback, Terms and Conditions apply. Cashback percentage may vary based on purchase category. Cashback amounts may change from time to time and are subject to the B9 Cashback Program Rules. Please see B9 Cashback Rewards Disclosure for full details.
B9 warrants that it has no legal or contractual claim against you based on a failure to repay a B9 Advance. B9 will not provide a member with further advances while any amount of their prior B9 Advance remains unpaid under the B9 Advance℠ service. With respect to a failure to repay an advance, B9 warrants it will not engage in any debt collection activities, place the amount owed with or sell to a third party for collections, or report the unpaid balance to a consumer reporting agency.
Loans are not provided by Evolve Bank & Trust. Loans are issued by B9, Inc., which holds a California Finance Lenders License (CFL) and operates as a licensed lender in the state of California (NMLS ID #2156167). B9 Terms and conditions apply. Approval is subject to credit eligibility and applicable regulations.
B9 is a financial technology company, not a bank. B9 Credit Builder loans are issued by Cross River Bank, Member FDIC (“CRB”) and serviced by BuildCredit LLC. Loan proceeds are deposited into a savings account provided by CRB and are insured up to $250,000. FDIC insurance covers accounts held with CRB in the event that CRB fails.
All customer data is properly secured in accordance with federal and state regulations and will be retained until all state and federally mandated record retention requirements are met. B9 does not share customer data with unaffiliated third parties. Please go to www.bnine.com to access our current Privacy Policy.
The testimonials used are from actual B9 members. While the testimonials are genuine, individual results and experiences may vary. Some members may have received compensation or other forms of incentives for writing their reviews. Our members’ feedback is valuable to us, and we strive to provide the best possible service to all our customers.
© 2026 B9, Inc. All Rights Reserved.
Explainer ·Sep 22 50/30/20 Budget Rule Explained (With Examples) The 50/30/20 rule splits your take-home pay into needs, wants, and savings — here's how the math works, with real examples, plus what to adjust if your income comes from gig work or hourly shifts. 
Guide ·Earn ·Sep 22 Gig apps that pay the same day Same-day pay is a payout setting, not an app. Most gig platforms hold earnings for a free weekly transfer and offer a second button that sends the money in minutes for a fee. 
Guide ·Earn ·Sep 22 When the first money from a side job actually lands Expect the first deposit a payout cycle or two after your first shift, not the same night. The delay is verification, a bank link and a payout minimum — all of which you can finish before you start working. 
Guide ·Money now ·Sep 22 How to get $200 before payday If your pay lands in a bank account, a cash advance app is usually the fastest and cheapest way to cover $200. If it does not, a same-day shift or selling one thing gets there with no fee at all. 
Guide ·Money now ·Sep 22 Cash advance apps that work without direct deposit Some providers' terms point at the bank account you link, not at a payroll file — which is what matters if you are paid in cash, tips or on a 1099. The list is shorter and the limits are lower. 
Review ·Sep 21 Best Cash Advance Apps for Gig Workers in 2026