B9 Membership Plans: Basic vs Premium
Basic is $9.99 a month. Premium is $19.99 a month, or $83.88 paid every 12 months. Premium raises the advance limit and is required for Credit Builder.
View B9 terms
B9 Basic and Premium Prices
The plan you choose sets your cash advance ceiling.
Basic
$9.99 / month
- Cash advance up to $250 per pay period
- B9 Account and Visa Debit Card
- Cashback 0.4%–5% in chosen categories
- Fee waived after a month with $5,000+ in deposits
Premium
$19.99 / month
or $35.97 every 3 months · $83.88 every 12 months
- Cash advance up to $1,000 per pay period
- Experian credit score simulator, tracker and factors
- Premium Support
- Access to B9 Credit Builder
- Renews automatically; not prorated
Basic vs Premium Side by Side
| Basic | Premium | |
|---|---|---|
| Monthly price | $9.99 | $19.99 |
| Other billing | Monthly only | $35.97 every 3 months or $83.88 every 12 months |
| Cash advance limit | $10–$250 per pay period | Up to $1,000 per pay period |
| Premium tools | — | Experian credit score simulator, tracker and factors, Premium Support |
| Credit Builder | Not available | Available to approved members |
Fee waiver: same rule for both plans — $5,000+ in deposits the previous billing month. View B9 terms
What a Year of Membership Costs
Calculated from B9's published prices before any fee waiver. Express fees and other charges are extra.
$119.88
Basic, paid monthly
$9.99 × 12
$239.88
Premium, paid monthly
$19.99 × 12
$143.88
Premium, every 3 months
$35.97 × 4
$83.88
Premium, every 12 months
$83.88 × 1
Multi-month Premium plans are billed in advance. These are illustrations of B9's prices, not a recommendation of a plan.
How to Get the B9 Membership Fee Waived
The rule
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.
Keep in mind
- It is checked every billing month, not once
- It covers the membership fee only. Express and transfer fees can still apply
- $5,000 counts all qualifying deposits together, not just payroll
Cancelling or Switching Plans
Switching or cancelling
After you cancel or switch from Premium, Premium services stay available until the start of your next monthly pay period. You can cancel or switch back to Basic at any time. Plan fees aren't prorated.
Premium and your credit
B9 says using the Premium plan does not affect your credit because B9 does not report Premium plan activity to credit reporting agencies. Credit Builder is a separate loan with its own reporting.
See B9 Credit BuilderLooking for a personal loan instead?
B9 membership is a monthly fee for B9's own products. 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 B9 and is not a B9 application.
$200–$5,000 requested amount
Start My ApplicationB9 Membership FAQ
Basic is $9.99 a month and Premium is $19.99 a month. Premium can also be paid as $35.97 every 3 months or $83.88 every 12 months.
Premium raises the advance limit to $1,000 (Basic is $250) and adds Experian credit score simulator, tracker and factors and Premium Support. Credit Builder also requires Premium.
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.
No. B9 doesn't prorate its fees.
After you cancel or switch from Premium, Premium services stay available until the start of your next monthly pay period. You can cancel or switch back to Basic at any time. B9 doesn't say what happens to an active Credit Builder loan if you leave Premium.
B9 says using the Premium plan does not affect your credit because B9 does not report Premium plan activity to credit reporting agencies.
16 facts checked against B9's published documents · Nov 2, 2026. How we check product details
All B9 fees · B9 express fee · B9 Cash Advance · B9 eligibility requirements