How does Genius work?

Once you’ve connected your financial accounts to Albert and signed up for Genius, you can text our team of experts any question about your financial life. We’ll not only offer you guidance but help you make it happen. Want to know more? See what kinds of things you can ask Genius.

Genius goes beyond just answering questions, however. Our team of experts works with you to turn your financial to-dos into a personalized plan that takes your financial goals into account. In addition, you earn a 0.25% annual bonus on your Albert Savings!

There’s also a set of magic tools that work in the background to save you more money. Genius works proactively on your behalf by analyzing your financial data to:

Find savings you’re missing.
Identify bills you’re overpaying.
Help you pay down debt faster.
Save automatically for you, and much more.

Whenever Genius identifies an opportunity for you to save more of your money, you’ll get a text or notification.

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Albert is not a bank. Banking services provided by Sutton Bank, Member FDIC. Albert Savings accounts are held for your benefit at FDIC-insured banks, including Coastal Community Bank, Axos Bank, and Wells Fargo, N.A. The Albert Mastercard® debit card is issued by Sutton Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Early access to direct deposit funds depends on the timing of the payer's submission of deposits. We generally post such deposits to Albert Cash accounts on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date. To be eligible for a direct deposit bonus, you need to receive a qualifying direct deposit and meet the spend requirements. Cash back terms apply. See app for details. To be eligible for savings bonuses, you must be subscribed to Genius and maintain a monthly average and ending balance of $10 or more. Bonuses for the month prior are paid by the 3rd of the following month. Download to see if you qualify for Albert Instant. Repay the advance with your next paycheck. Fees may apply. When you join Albert, you’ll set up an Albert Cash account and a 30-day trial for Albert Genius as part of the sign-up process. If you cancel within 30 days of signing up, you will not be charged for your subscription. Your subscription will auto-renew until canceled. Even if you cancel, you can continue to access Albert Cash and Instant. If you cancel, you will lose certain benefits associated with your Genius subscription, such as Savings, Investing, access to Albert’s financial experts, free in-network ATM withdrawals, and more.

All investments involve risk and the past performance does not guarantee future returns. Consider the investment objectives, risks, fees, and expenses of a fund before investing. Online trading has risks associated with system response times market conditions and other factors. Services offered through our mobile application are offered only in jurisdictions where it is legal to do so and we reserve the right to limit the availability of services to any persons or jurisdictions in our sole discretion. See our Terms of Use for more information. Albert Investments, LLC is an SEC Registered Investment Advisor. Investment advisory services are only offered to clients where Albert and its representatives are properly licensed or exempt from licensure.

Securities products and services offered to self-directed investors through Albert Securities, LLC Member FINRA / SIPC. Albert Securities, LLC, Albert Investments, LLC and Albert Corporation are separate but affiliated companies. For more information about Albert Securities, LLC, see FINRA Broker Check. Securities products are not FDIC insured or bank guaranteed, and may lose value.

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