Beem: Your Go-to Money App 4.0.166

Beem (formerly Line) is a comprehensive financial platform that offers an alternative to traditional cash advances, payday loans, personal loans, and credit products. With Beem, you can subscribe to access a range of services such as withdrawing verified bank deposits early, obtaining job loss protection, filing taxes, and more. Beem offers flexible plans starting as low as $2.47 per month.

One of Beem's notable features is Everdraft™, a non-credit alternative to cash advances. It allows you to withdraw an amount ranging from $5 to $1,000 of verified bank deposits before the designated date. However, it is important to note that specific terms and conditions apply, and the permitted withdrawal amount may vary for each user. Depending on how you choose to access the funds, fees between $0 and $4 may apply. These fees will be clearly communicated to you at the time of making your choice.

Beem also simplifies the process of filing federal and state taxes by offering a seamless and secure platform to maximize your tax refund. Filing taxes with Beem is fast, easy, and cost-effective. Additionally, Beem provides tools and services to protect your identity online and help you save, spend, and plan more effectively.

If you're looking for car insurance, Beem's platform can help you find quotes with potential savings of up to 40% (terms and conditions apply).

Beem allows you to receive and withdraw verified bank deposits early through various channels, including the Beem app, gift cards, prepaid cards, or directly into your bank-issued debit card (express delivery fees may apply for instant cash transfers to your debit card). It typically takes 2-3 days for the funds to be available in your bank account.

In addition to these features, Beem offers cash boosts to unlock more money, allowing you to send and use gift cards, Visa, and MasterCard prepaid cards. This enables you to receive cash on a gift card or prepaid card and use them at any retailer.

It's worth noting that the Beem app is currently only available in the United States and is developed by Line Financial, a Public Benefit Corporation based in the US.

Beem boasts several benefits that make it a top alternative to instant cash advance apps:

• Everdraft™ - a non-credit alternative to instant cash advances, allowing subscribers to withdraw $5 to $1,000 of verified bank deposits without interest, credit checks, income restrictions, or due dates.
• Add & Send Money for Free - Beem allows users to add money without fees and send money instantly to anyone, even those without a bank account or the Beem app, through SMS, email, and social media. No subscription is required for this service.
• Your BFF - Better Financial Feed - Beem provides a personalized budgeting feature and an AI-powered interactive feed that allows users to manage their finances effectively. It helps avoid overdrafts, bank fees, track spending and savings, and receive reminders for upcoming bills, subscriptions, low balance alerts, and tax filing deadlines.
• File Federal & State Tax - Beem offers seamless tax filing services that support various tax situations. Whether you have W2 or 1099 forms, file jointly or as an individual, Beem can assist you in easily filing your taxes to maximize your refund compared to other tax filing platforms.
• Beem Drive - Beem enables users to unlock savings of up to 40% on car insurance offers from trusted providers like Progressive and GEICO. These savings are based on your driving behavior (terms and conditions apply).
• Earn up to 20% Cashback - By linking your credit or debit cards to Beem, you have the opportunity to earn cash back on your daily spending.
• Credit - Monitor & Grow - Beem allows you to examine your credit score, understand the factors that influence it, and receive notifications when it changes. This feature helps users track and improve their credit over time.

Beem prioritizes security and privacy, offering 24/7 support through various channels such as chat, call, and email. The app ensures bank-level security, data privacy, and dedicated support at all times. Personally identifiable data is never stored with Beem and is fully encrypted for verification purposes.

To qualify for Beem's services as an alternative to cash advances, users who have faced challenges with apps like MoneyLion, Dave, Brigit, Chime, Klover, Albert, Floatme, or Empower can benefit from Beem's ability to allow early withdrawal of verified bank deposits. However, it's important to note that cash availability through Beem is subject to terms and conditions as well as various qualification criteria including creditworthiness and income verification.