Is B9 Legit? What B9's Public Documents Show
We can't certify any company. This page lists what B9's own documents say about who is behind it, what it doesn't tell you, and how to check for yourself.
What B9's Own Documents Show
Each item comes from a B9 document or app listing we checked. It describes what B9 says, not how it performs.
| Question | What B9 says |
|---|---|
| Who runs it? | B9, Inc., listed at Miami, Florida |
| Is it a bank? | No. It is a financial technology company, not a bank |
| Who holds the money? | Evolve Bank & Trust, Member FDIC, with deposits insured up to $250,000 per depositor |
| Who issues Credit Builder? | Cross River Bank, Member FDIC, serviced by BuildCredit LLC |
| Is there a lending license? | For the California Credit Line Loan: B9, Inc., California Financing Law license 60DBO-142632, NMLS ID 2156167 |
| What is B9 Advance? | Earned wage access. B9 says it is not a consumer loan product |
What We Can't Confirm
- How well customer support works. Trustpilot's summary says it draws complaints
- Where Credit Builder is offered: Not yet confirmed
- The Credit Line Loan's amount, APR and term: Not published by B9
- ATM fees: Not yet confirmed
- Whether any given advance or approval will happen for you
How to Check B9 Yourself
Licenses and banks
- Search NMLS ID 2156167 on NMLS Consumer Access
- Look up Evolve Bank & Trust on FDIC BankFind
- Read the disclosures in B9's own Terms of Service
What other people say
- Read recent reviews on Google Play, the App Store and Trustpilot, not only the average
- Look at the 1-star reviews and how the company replies
- Ask B9 support a question before you rely on it
Looking for a personal loan instead?
If you'd rather not use B9, you can request a personal loan from independent lenders through the form on our homepage. It is separate from B9, we don't vouch for any lender, and we can't say whether you will be offered a loan.
$200–$5,000 requested amount
Start My ApplicationIs B9 Legit? FAQ
We don't rate B9 as safe or unsafe. B9's own documents name the company, its bank partners and a California lending license, and the page above lists them so you can check them yourself. They don't tell you how B9 will treat you as a customer.
No. B9, Inc. is a financial technology company, not a bank, and its account and card are provided by Evolve Bank & Trust, Member FDIC.
B9 says deposits at Evolve Bank & Trust are insured up to $250,000 per depositor. FDIC insurance protects against the failure of an FDIC-insured depository institution.
For its California Credit Line Loan, B9, Inc. lists California Financing Law license 60DBO-142632 and NMLS ID 2156167. B9 Advance is earned wage access, which B9 says is not a consumer loan product, so that license isn't a claim about it.
15 facts checked against B9's published documents · Nov 2, 2026 · 2 not yet confirmed · 1 not published by B9. How we check product details