B9 banking · B9 Account

B9 Account: Features, Fees and How It Works

The B9 Account has no overdraft fees and no minimum balance, and you can open it with an SSN or ITIN. It is provided by Evolve Bank & Trust, Member FDIC.

$0 overdraft fees and minimum balance Open with an SSN or ITIN Direct deposit up to 2 days early FDIC insured up to $250,000 through the bank partner

See features Monthly cost

B9's website

// Features

B9 Account Features

Overdraft fees: None, per B9
Minimum balance: None, per B9
Early direct deposit: Up to 2 days early
Member transfers: Instant transfers between B9 members
Debit card: B9 Visa debit card, issued by Evolve Bank & Trust
ID to open: SSN or ITIN

B9's website

// What it costs

What the B9 Account Costs

Monthly plan fee

B9 charges the Basic plan as a monthly card and account fee, deducted automatically from your B9 Account while you remain a B9 customer. Basic is $9.99 a month and Premium $19.99.

Compare membership plans

Waiving the fee

Each billing month B9 waives the subscription fee, for either Basic or Premium, if you receive at least $5,000 in aggregate deposits (which may include payroll deposits, ACH transfers and card transfers) in the previous billing month. Enrollment is automatic.

All B9 fees · Wallet transfer fees

// FDIC

FDIC Insurance and the Bank Behind the Account

$250,000

B9 is a financial technology company, not a bank. B9 says deposits at Evolve Bank & Trust, Member FDIC are insured up to $250,000 per depositor. FDIC insurance protects against the failure of an FDIC-insured depository institution.

// With Cash Advance

The Account and B9 Cash Advance

B9 Cash Advance needs at least $100 in payroll deposits to your B9 Account in the last 14 days. B9 collects repayment from your incoming deposits.

B9 Cash Advance · Eligibility requirements

// FAQs

B9 Account FAQ

What do I need to open a B9 Account?

B9 says an SSN or ITIN is accepted to open the account.

Does the B9 Account have a monthly fee?

B9 charges its Basic plan as a monthly card and account fee of $9.99, taken from your B9 Account. Premium is $19.99. It is waived in a month after you received $5,000 or more in deposits the month before.

Are there overdraft fees or a minimum balance?

B9 says there are no overdraft fees and no minimum balance.

How early can I get my direct deposit?

B9 says members can get direct deposit up to 2 days early and that B9 posts a deposit as soon as it is received.

Is my money FDIC insured?

B9 says deposits at Evolve Bank & Trust, Member FDIC are insured up to $250,000 per depositor. B9 itself is not a bank.

16 facts checked against B9's published documents · Nov 2, 2026. How we check product details

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