Beem Everdraft: what $100 really costs
In brief
Beem’s Everdraft is sold through tiered plans: Plus at $6.99 a month is the cheapest listed with access up to $100. Standard delivery within three business days is free; instant delivery is “starting at $4” on Plus, with the exact fee shown in the app. No tips and no interest.
Fees and terms checked · Not financial advice
Not in the cost ranking: Beem publishes only a “starting at” instant price, not the fee for $100.
Every published price
Quoted from Beem’s own pages, checked November 8, 2026. Each line links to where it says so.
| Charge | Price | From Beem’s page |
|---|---|---|
| Beem Plus (needed for advances) | $6.99/month | Everdraft access up to $100; instant 'Starting at $4'; job-loss claim up to $500. Cheapest plan that covers a $100 advance.trybeem.com |
| Instant to your debit card (“starting at $4” on Plus) | not published on $100 | Receive funds instantly into your debit card starting at one low fee of 99¢ ... Starting at 99¢ | Starting at $4 | Starting at $4 | Starting at $2 (Lite | Basic | Plus | Pro)trybeem.com |
| Standard delivery (within 3 business days) | $0.00 | While you can generally receive an Everdraft™ within three (3) business days depending on processing times, if you choose the non-standard option and pay the fee, we will use a faster delivery method that will deliver the Everdraft™ to you within 8 hours.trybeem.com |
| Tips | not taken | ✓No tips, evertrybeem.com |
| Late fee (unpaid subscription) | $5.00 | A late fee of $5 is billed for every missed subscription and it accumulates to $15 in the next 3 months if the subscription is still unpaid.trybeem.com |
| Subscription collected in advance | see quote | your subscription for the immediate future month is collected in advance as soon as we detect funds in your account.trybeem.com |
| Auto-renewal on Everdraft withdrawal after cancelling | see quote | if you withdraw Everdraft after canceling but before the expiry/renewal date, your subscription will automatically renew.trybeem.com |
Plans
| Plan | Per month | Note (from Beem’s pages) |
|---|---|---|
| Lite | $1.99 | Everdraft access $10; instant 'Starting at 99¢' |
| Basic | $3.99 | Everdraft access up to $50; instant 'Starting at $4' |
| Plus | $6.99 | Everdraft access up to $100; instant 'Starting at $4'; job-loss claim up to $500. Cheapest plan that covers a $100 advance. |
| Pro | $13.99 | Everdraft access up to $1000; instant 'Starting at $2'; job-loss claim up to $1000 |
| Free account | $0.00 | Help centre: free features exclude Everdraft; Everdraft requires 'an eligible subscription plan'. |
Limits, eligibility and repayment
- Maximum
- $1000.00 Everdraft™ gives you the ability to borrow a quick and emergency cash upto $1,000 whenever you need it. help.trybeem.com
- To start
- New users often begin with modest limits. For example: $25 $50 $100 help.trybeem.com
- Who can get it
- To be eligible, you need to: Have an active Beem account; Connect a supported U.S. checking account; Qualified for the Everdraft™; Be on an eligible subscription plan; Have a verified debit card linked to the primary bank account; Have no pending dues help.trybeem.com
- Credit check
- No, per its own pages No hard credit pull. Availability and amounts vary by state and eligibility. trybeem.com
- Repayment
- Each Everdraft™ is auto-settled as your funds arrive into your account ... including partially settling your Everdraft™ over time. Help centre: 'auto debit automatically withdraws the payment from your linked bank account whenever there is an inflow of cash'. trybeem.com
- Interest
- there is no interest associated with this service, there are no late fees for this service, there are no finance charges to use this service and there is no due date trybeem.com
- States
- No hard credit pull. Availability and amounts vary by state and eligibility. trybeem.com
- Bank connection
- Flinks Proceed to the Flinks Screen - You will be routed to the Flinks screen to start the bank linking process. help.trybeem.com
- Works with Chime
- Yes (in a blog post on its own site) Confirmed Chime compatibility. Beem is built to work with Chime’s banking infrastructure, so linking your account is quick and reliable. trybeem.com
- Works with Cash App
- Only “most banks” wording Beem is designed to work with most U.S. checking accounts, making it easy for users to link their bank and access Beem’s features. However, not all financial institutions are supported due to connectivity and integration limitations with certain banks. help.trybeem.com
Worth knowing
- Beem’s own pages list different plan prices (its pricing page, the page’s description and its terms disagree); we use the pricing page.
- Beem charges a $5 late fee for each missed subscription payment, up to $15.
Regulatory actions
Our check of official sources (the FTC, the CFPB, the Department of Justice, state attorneys general and regulators) turned up no action about Beem’s advances as of November 8, 2026. If you know of one, please tell us.
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Sources for this page
- help.trybeem.com — Beem’s own page, checked Nov 8, 2026
- help.trybeem.com — Beem’s own page, checked Nov 8, 2026
- trybeem.com — Beem’s own page, checked Nov 8, 2026
- trybeem.com — Beem’s own page, checked Nov 8, 2026
- apps.apple.com — Beem’s own page, checked Nov 8, 2026
- trybeem.com — Beem’s own page, checked Nov 8, 2026
- help.trybeem.com — Beem’s own page, checked Nov 8, 2026
- help.trybeem.com — Beem’s own page, checked Nov 8, 2026
- help.trybeem.com — Beem’s own page, checked Nov 8, 2026
- trybeem.com — Beem’s own page, checked Nov 8, 2026
How costs are calculated, what is left out and how to send a correction: methodology.
Cite this page
Best Cash Advance Apps. "Beem Everdraft: the true cost of a $100 advance." Updated November 8, 2026. https://bestcashadvanceapps.com/apps/beem/