B9 Fees: What It Costs to Use B9
B9 Advance has no interest. You pay a membership from $9.99 a month, plus an express fee only if you want instant delivery.
View B9 terms
Every B9 Fee at a Glance
Amounts are B9's published prices. Tap a link for the details of each fee.
| Fee | Amount | When it applies | Details |
|---|---|---|---|
| Basic membership | $9.99/month | Every month, unless waived | Plans |
| Premium membership | $19.99/month, $35.97/3 months or $83.88/12 months | Needed for higher limits and Credit Builder | Plans |
| Membership fee waiver | $5,000+ in deposits | Waives the fee for a month when you received that much the month before | Waiver rule |
| Express fee | $1.99–$49.99 | Only for instant delivery of an advance | Fee table |
| Standard delivery | $0 | Advance delivered in up to 5 business days | Express fee |
| Wallet transfers (Cash App, Venmo, others) | 3.5%, min $4, max $40 | When you send money to a third-party wallet | Transfer fees |
| ATM fees | Not yet confirmed | B9 says ATM fees may apply | Transfer fees |
| Tips | Optional | Refundable within 30 days of repaying | View B9 terms |
What B9 Says Is Free
0%
Interest on B9 Advance
$0
Standard advance delivery, up to 5 business days
$0
Overdraft fees on the B9 Account, with no minimum balance
No check
No credit check for B9 Advance
Fees on B9's Credit Products
Credit Builder
B9's example: a $552 loan over 24 months at 15.68% APR with $25 monthly payments. It lists $48 in finance charges and a one-time $9 admin fee, and Premium membership is required.
Full Credit Builder cost breakdownCredit Line Loan
Amount: Not published by B9. APR: Not published by B9. Term: Not published by B9. These are shown in your loan disclosure before you accept.
Credit Line Loan detailsLooking for a personal loan instead?
B9's fees apply only to B9's own products. If you want to request a personal loan from independent lenders, you can use the request form on our homepage. Any APR and fees come from the lender and are shown in an offer before you accept.
$200–$5,000 requested amount
Start My ApplicationB9 Fees FAQ
No. B9 Advance has no interest. You pay a monthly membership fee, plus an express fee only if you want the money instantly.
Standard delivery of an advance is free, and the membership fee is waived in a month after you received $5,000 or more in deposits the month before. Whether that is cheaper for you depends on your own deposits and needs.
B9 says its account has no overdraft fees and no minimum balance. If a repayment attempt causes an overdraft fee at another bank, residents of KS, MO, NV, SC, WI are reimbursed.
Yes: 3.5% of the transfer, with a $4 minimum and a $40 maximum.
B9's example is a $552 loan over 24 months at 15.68% APR, with $48 in finance charges and a one-time $9 admin fee, and it requires a Premium plan.
17 facts checked against B9's published documents · Nov 2, 2026 · 1 not yet confirmed · 3 not published by B9. How we check product details
B9 membership plans · B9 express fee · B9 instant transfer fees · B9 Cash Advance