Payactiv vs B9

With Payactiv, access your hard earned wages before payday, pay bills on time avoiding late and overdraft fees, and handle unexpected expenses with our user-friendly digital tools. Payactiv provides you with the foundation to maintain financial stability and equips you with the necessary tools to help you reach your financial wellness goals and thrive—without payday loans or interest. Just your money at your fingertips. With Payactiv, you can expect: 1. Earlier access to your money: - Enjoy your paycheck up to 2 days early.1 - Receive government payments up to 4 days early.1 - Gain immediate access to earned wages.2 2. Spending and saving tools to achieve your financial goals: - Always stay informed about what's safe to spend. - Easily track your spending habits at a glance. - Receive low balance alerts. - Set up automatic transfers from earned wages. 3. The Payactiv Visa® Card*: A card designed without hidden fees: - No minimum balance requirements. - No overdrafts. - No monthly or inactivity fees. - Access surcharge-free withdrawals at 37,000+ MoneyPass® ATMs. - Enjoy free integrated bill pay. - Withdraw cash at tellers in participating banks. - Send and receive funds to other enrolled members with no transfer fees. 4. Convenience and security you can rely on: - Seamlessly use the card with Google Pay or Apple Wallet. - Utilize touchless payments at stores. - Benefit from Visa's Zero Liability protection.3 - Easily lock or replace lost or stolen cards. - Access 24/7/365 support in English and Spanish. *Central Bank of Kansas City does not administer, nor is liable for earned wage access. The Payactiv Visa Prepaid Card is issued by Central Bank of Kansas City, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Certain fees, terms, and conditions are associated with the approval, maintenance, and use of the Card. You should consult your Cardholder Agreement and the Fee Schedule at payactiv.com/card411. If you have questions regarding the Card or such fees, terms, and conditions, you can contact us toll free at 1 (877) 747-5862, 24 hours a day, 7 days a week. 1 Many (but not all) employers, government benefits providers, and other originators send direct deposits early with an effective date of 1-4 days later. Beginning with your second direct deposit of at least $5 from the same source, the Central Bank of Kansas City (CBKC) will post the funds to your Payactiv Visa Prepaid Card when we receive it, rather than on the effective date. This may result in your having access to the funds sooner. The date CBKC receives your direct deposit and the effective date are controlled by the originator. 2 Earned Wage Access requires employer participation. 3 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

Get fast cash advances to your B9 wallet or directly to your bank account by becoming a member*. The B9 App is a mobile banking app where cash advances are built around your paycheck. Become a member, set up direct deposit, and get fast cash advance before your payday. No credit checks. No interest. Repay when you get paid. Once you’re a member, connect your paycheck and once it arrives on your account, request cash advances to be sent to your B9 account or send it to your bank. Need money immediately? We’ll expedite delivery within minutes for an additional fee. First time members may qualify for an advance range from $10-50. Not all members will qualify, and many will not qualify for a maximum amount right away. Consistent paycheck deposit will help access higher advances over time. Many members advance up to $150-$250 after their third paycheck. Unlike apps with daily cash-out caps, eligible B9 members can cash out their full available advance amount at once — no forced daily limits. Available advance amounts may increase over time based on recurring direct deposits and account activity. Qualifying income may include W-2 payroll, gig work, part-time income, and benefits such as SSI. Qualifying income may include W-2 payroll, gig work, part-time income, and benefits such as SSI. With over 1.5 million users, B9 is trusted to make everyday banking simpler, faster, and more rewarding. HOW TO GET YOUR B9 ADVANCE • Download the B9 App and open an account • Direct your paycheck to your B9 account • Access starts with your paycheck • Cash out the full available advance amount • Recurring paycheck deposits may increase your available advance amount. Repayment happens automatically with your next pay. WHY CHOOSE THE B9 APP? Cash out the entire available advance whenever you need it. Taking a break? We save your progress! Return within 35 days to start from where you left off. Easy banking Open your B9 Account and use your B9 Visa® Debit Card for everyday spending. Get up to 5% cashback on purchases with your B9 Visa® Debit Card. Earn real cash in the app with B9 Play & Earn. *MEMBERSHIP PLANS Basic — $9.99 • Fast cash advances up to $250 per pay period [1] • Withdraw anytime, including Cash App and Venmo transfers • Up to 5% cashback with the B9 Visa® Debit Card • Send money instantly • Earn real cash Basic plan provides access to B9’s full suite of financial tools and services. Membership auto-renews monthly but can be canceled anytime in the app or by contacting support. Premium — $19.99/month or as little as $6.99 (if paid yearly) • Fast cash advance up to $1,000 per pay period [1] • Immediate access to advance funds • Up to 5% cashback with the B9 Visa® Debit Card • Credit monitoring tools • Send money instantly • B9 Play & Earn real cash • Priority customer support All Premium plans provide access to B9’s full suite of financial tools and services. Membership auto-renews monthly but can be canceled anytime in the app or by contacting support. IMPORTANT NOTES • B9 membership is required to request cash advances • Advances are not loans, not payday loans, and not personal loans • No credit checks • No interest • No late fees • Instant transfer fees are optional and not included in the membership price COMPANY INFORMATION B9 launched in 2021 with a mission to help Americans achieve financial stability by bridging cash gaps. B9 is not affiliated with Credit Karma, Brigit, Earnin, Dave, Cleo, Beem, Chime, MoneyLion, Venmo, Cash App, or similar services. [1] Eligibility requirements apply. Not all users will qualify. Advances are not available in all states. See Terms of Service for details. B9, Inc. is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Member FDIC. Privacy Policy https://bnine.com/privacy-policy Terms of Service https://bnine.com/tos Address: 777 Brickell Avenue, Suite 500, Office 529 Miami, FL 33131