B9  Reviews 1,132

TrustScore 4 out of 5

4.1

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Review summary

Based on reviews, created with AI

Reviewers had a great experience with this company. Customers frequently praise the app for its ease of use, smooth operation, and convenient features like early paycheck access and cash advances. Many people highlight the excellent customer service, noting quick responses, helpfulness, and politeness. The service is often described as reliable and efficient, with users appreciating the ability to manage their money effectively and the security provided. However, some people were dissatisfied with aspects of the payment system, specifically the advance option draining accounts before new deposits. A few other people also felt that customer service could be poor, citing slow responses, unhelpful agents, and issues with held funds or missing wire transfers. There were also occasional complaints about the app's functionality regarding certain transactions and the monthly fee being charged twice.

What people talk about most

Payment

Consumers find payment to be ambiguous, with many reporting issues such as hidden charges, unexpected fees... See more

Application

Reviewers mention positive feedback about the app, often praising its convenience, ease of use, and... See more

User experience

Customers had positive experiences with user experience. Many reviewers praise the app's ease of use,... See more

Customer service

Customers consistently note ambiguous experiences with customer service. While many reviewers praise the... See more

Service

Reviewers highlight positive aspects of service. Many customers appreciate the convenience and support,... See more

Based on these reviews

Rated 4 out of 5 stars

It's hard to rate because the app itself isn't that great but I've had some great customer support through the app. So I'm eating four stars on the customer service because they are very helpful and g... See more

Company replied

Rated 4 out of 5 stars

I had a few problems in the beginning of using b9 but the were resolved quick an now I use it all the time I like b9 app.

Rated 4 out of 5 stars

It was easy to sign up to the account AND it was VERY SOON afterwards that I received my first advance. The way they do things is kinda OFF TRACK but it's cool

Company replied

Rated 4 out of 5 stars

Good company with great advances customer service kinda sucks but that's the only downfall


Company details

  1. Alternative Financial Services

Written by the company

Take your paycheck under control. Open B9 Account and move your salary to get approved for a B9 Advance℠ in minutes. No credit check. No late fees.


Contact info

4.1

Great

TrustScore 4 out of 5

1K reviews

5-star
4-star
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1-star

Replied to 37% of negative reviews

Typically replies within 2 weeks

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Rated 1 out of 5 stars

Long waits for Money holds.

Walmart put a hold on my account for several hundred dollars. They released it last week and I have yet to get it back and b9 states I will have it back on the 21st! That will be 31 DAYS! That they held HUNDREDS of dollars! When you have 6 kids and a limited that is a lot of money to hold! It is April 12 and 23 DAYS that I haven’t not received a dime from MY money!

20 March 2026
Unprompted review
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Reply from B9

Hello Alisha. We understand how confusing a pending charge can be. This is a temporary authorization placed by the merchant to check available funds—it’s not a completed transaction. The timing is outside our control. We can only share the authorization expiry date, but it may settle or drop off sooner if the merchant finalizes or releases it.

Rated 1 out of 5 stars

If i could leave 0 stars I would

If i could leave 0 stars I would. This is the worst bank I ever had they charge for everything everything if I want to move money or pay a bill they charge $4-$30 u can’t speak with a supervisor if u needed. they aloud uber to take money two times and then I couldn’t get my money back for 31 days by far the WORST BANK. “Do Not DO NOT BANK WITH B9!!”

8 April 2026
Unprompted review
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Reply from B9

Sorry to hear that! Could you share more specific details about your experience? B9 has helped over 1 million users and received thousands of positive reviews in Apple Store. We offer cash advances up to $1,000 per pay period and ways to earn extra money by completing simple offers. Feel free to reach out at support@bnine.com

Rated 5 out of 5 stars

its a great app/money tracker

its a great app/money tracker, it gives instant updates on what,where and remaining balance straight to your phone, im able to use it anywhere, even all my online transactions. I highly recommend it.

3 April 2026
Unprompted review
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Reply from B9

We appreciate your great feedback! It's fantastic to hear B9 helps you receive your paychecks early and manage your finances with ease. We're thrilled to support your everyday money needs, whether it's borrowing funds or sending money quickly. Thanks for choosing B9!

Rated 5 out of 5 stars

Great app

Easy app to work and very easy to get advanced

21 March 2026
Unprompted review
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Reply from B9

Fantastic to hear how B9 helps your finances! We're thrilled that getting paid early and having the cash advance option are making life easier. Thank you for your kind words!

Rated 1 out of 5 stars

The only reason I rated it 1 star is…

The only reason I rated it 1 star is that there wasnt an option for negative 10. This is by far the worst shadiest Bank you could ever think about trying to trust your money with they're a bunch of thieving lying Crooks who don't give a shit about their customers. They're not even an actual bank they call themselves a tech company but they're not even a tech company. I don't even know what they are other than fraudsters. Do not I repeat do not give them any money unless you don't want to see it ever again. Right now they are breaking the law by illegally withholding my entire paycheck from me for no reason whatsoever and I've been trying to talk to somebody from customer support for 34 straight hours because I am out of town and I have no other income on me and they are still withholding all my money. I have called in literally 10 times and been told we are sorry but you have to wait until you're account is done being reviewed. I asked to speak with the manager and there isn't any every single time I call There is nothing to review other than the fact that they're holding my money hostage. Even if I didn't like you I wouldn't refer you to this "Bank" or "tech company"or fraudulent band of felons!

27 March 2026
Unprompted review
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Reply from B9

Hi! We’re very sorry to hear about your experience and understand how stressful this must be. The safety and accessibility of our clients’ funds is our top priority. Due to a high volume of requests, some responses may take longer than usual, and we sincerely apologize for the delay.

Please reach out to our support team directly at sm@bnine.com with your details so we can assist you promptly and help resolve the issue. Thank you for sharing your feedback — we’re committed to improving our service.

Rated 1 out of 5 stars

False Reviews, High Fees

This app is riddled with fees, with a minimum fee of 4 dollars per transfer and that is just one problem. They had an ACH issue and now I was unable to receive my direct deposit from my employer and have to wait over a week. They never informed me of this issue and I had to reach out myself. What kind of company is this? 0 accountability. All these positive reviews is because they will give you 5 dollars for writing one. Don’t be fooled.

2 March 2026
Unprompted review
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Reply from B9

Hi, Haris! We’re sorry to hear about your experience and appreciate your feedback. We want to clarify that super fast card transfers to apps like Cash App may include fees due to processing costs. To avoid these fees, you can use ACH transfers, which are zero fee and usually arrive within 1 business day. Deposits over $5,000 per month also waive the monthly fee.

Regarding direct deposits, sometimes deposits can be returned if the information provided does not match the account details. Please make sure all deposit information is entered correctly, otherwise the deposit may be returned to the sender. If you need assistance, please contact us at support@bnine.com so we can review your situation and help.

Rated 5 out of 5 stars

I love the early payday and easy to use…

I love the early payday and easy to use app

24 March 2026
Unprompted review
B9  logo

Reply from B9

We're thrilled to be your go-to for cash advances and everyday money needs. Enjoy perks like early paydays and reliable service. Thanks for the feedback!

Rated 1 out of 5 stars

If i could give 0 stars I would they are…

If i could out 0 stars I would they are horrible their customer service is shit. They hag up in your face when they don’t feel like helping. They actually don’t do anything to help just repeat themselves like a robot, and their whole system is shit. DO NOT BANK. I never write reviews but this was just horrible. They need to be shut down and removed.

13 March 2026
Unprompted review
B9  logo

Reply from B9

Hi! We’re very sorry to hear about your experience. This is not the service we aim to provide at B9. We’d like to understand what went wrong and help resolve the issue. Please reach out to our support team at sm@bnine.com so we can assist you directly. Thank you for your feedback.

Rated 4 out of 5 stars

The app is easy to navigate I also like…

The app is easy to navigate I also like the instant transfer option

13 March 2026
Unprompted review
B9  logo

Reply from B9

Fantastic to hear how B9 helps your finances! We're thrilled that getting paid early and having the cash advance option are making life easier. Thank you for your kind words!

Rated 5 out of 5 stars

I enjoy the ability to borrow a small…

I enjoy the ability to borrow a small amount as a bridge between paydays. Their recent fees changes make it even easier for me. Grew my advance limit to $265 recently. Nice.

11 March 2026
Unprompted review
B9  logo

Reply from B9

We appreciate your great feedback! It's fantastic to hear B9 helps you receive your paychecks early and manage your finances with ease. We're thrilled to support your everyday money needs, whether it's borrowing funds or sending money quickly. Thanks for choosing B9!

Rated 1 out of 5 stars

B9’s business model feels extremely…

B9’s business model feels extremely deceptive and predatory toward people who are already struggling financially.

The app markets itself as a way to get a small financial advance, but what they don’t make clear is that they push users to switch their direct deposit and banking activity to their platform just to receive a tiny advance — sometimes as little as $20. That alone should raise serious questions about their intentions.

What’s worse is what happens when you want to leave and move your money somewhere else. Instead of making it easy to access your own funds, B9 effectively punishes users. Your only options are to wait for an ACH transfer that can take several days, or pay roughly a 3% fee just to instantly transfer your own money back to your debit card.

So let’s be clear: they lure people in with a tiny advance, then make it difficult or expensive to get your own money back out. That kind of structure looks a lot less like financial help and a lot more like trapping users inside their system.

For a company dealing with people’s paychecks and bank deposits, this kind of behavior is unacceptable. Financial platforms should operate with transparency and fairness, not tactics that appear designed to take advantage of people during difficult financial moments.

Consumers should be extremely cautious before moving their direct deposit or trusting B9 with their money. ****FYI**** Look at all their 5☆ reviewers they are all 1st time reviewers!

2 March 2026
Unprompted review

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