B9 vs Chime SpotMe: Advance or Overdraft Coverage?
A side-by-side of B9 Advance and Chime SpotMe, from each company's own published pages, checked Nov 3, 2026. We don't rank them or recommend one.
Chime SpotMe
Up to $200
overdraft coverage, starting at $20
B9 Advance
Up to $1,000
on Premium
Both: eligibility and limits vary by user. Terms change, so confirm in each app.
B9 vs Chime SpotMe Side by Side
| B9 Advance | Chime SpotMe | |
|---|---|---|
| Product type | Earned wage access. B9 says it isn't a consumer loan product. | Overdraft coverage on a Chime checking account. Chime does not describe it as a cash advance |
| Amount | $10–$250 on Basic, up to $1,000 on Premium, per pay period | Starts at $20 and can go up to $200. Chime says it may change the limit at any time |
| Fees | No interest. Membership $9.99/month (Basic) or $19.99/month (Premium), plus an optional express fee of $1.99–$49.99 | Chime says there is no overdraft fee and no fee for using SpotMe. It says third-party fees may apply to out-of-network ATM or retailer cash withdrawals. |
| Eligibility | A B9 Account, a plan and $100+ in payroll deposits in the last 14 days. Not offered in NV, SC, WI, MD, KS, IN | At least $200 in qualifying direct deposits to your Chime checking account each month, an activated Chime debit card, and opting in to SpotMe |
| What it covers | Not applicable. B9 Advance is an advance on your pay, not overdraft coverage | SpotMe doesn't cover Pay Anyone transfers, automatic bill payments from checking, transfers to savings, transfers to apps like Venmo or Cash App, or Chime Checkbook transactions. |
| Banking partner | Evolve Bank & Trust, Member FDIC | The Bancorp Bank, N.A. and Stride Bank, N.A. |
Key Differences Between B9 and Chime SpotMe
Different products
B9 Advance is earned wage access. Chime SpotMe is overdraft coverage on a Chime checking account, and Chime doesn't describe it as a cash advance.
How it works
SpotMe works inside a Chime checking account, and Chime lists transfers it doesn't cover, such as to Venmo or Cash App. B9 Advance is an advance on your pay rather than coverage inside an account.
Limit
SpotMe starts at $20 and goes up to $200. B9 goes up to $1,000 on Premium.
Cost
Chime says there is no overdraft fee and no fee to use SpotMe. B9 advances have no interest but you pay a monthly membership and an optional express fee.
Looking for a personal loan instead?
Neither B9 nor Chime SpotMe is a personal loan. If you want to request a personal loan from independent lenders instead, you can use the request form on our homepage. It is separate from both, and we can't say whether you will be offered one.
$200–$5,000 requested amount
Start My ApplicationFAQ
Chime describes SpotMe as overdraft coverage on a Chime checking account, not as a cash advance.
Chime says at least $200 in qualifying direct deposits each month, an activated Chime debit card, and opting in.
Chime says there is no overdraft fee and no fee for using SpotMe, though third-party fees can apply to some out-of-network cash withdrawals.
B9 Advance has no interest. You pay $9.99 (Basic) or $19.99 (Premium) a month and an optional express fee of $1.99–$49.99.
We checked B9 and Chime's own pages on Nov 3, 2026. Terms change, so confirm in each app.
18 facts checked against B9's published documents · Nov 2–3, 2026. How we check product details
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