Opening the account with my ITIN was painless and quick. I connected direct deposit, tested an advance inside the app, and the money landed in my B9 balance almost instantly. The layout makes repayment dates and membership plan easy to spot, which gave me confidence. Fees exist, so I picked the lower tier. Internal transfers to a friend were free and instant. For small gaps between paychecks, it kept things predictable without a credit check or surprises.