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What are available funds?

To invest with Albert, you must first fund your account by depositing cash. Money held in your account for the purpose of investing is called available funds. These funds include any money you deposit, or any money you withdraw from an investment.

Learn how to make a manual deposit here. Any cash you manually deposit will need to be allocated into your investments manually.

When auto-investing is on, Albert automatically withdraws your preferred deposit amount and allocates it into your investments based on your preferences. To learn about setting up automated cash deposits, visit our article on auto-investing here.

For any further questions about depositing and withdrawing cash, text Genius.

 

Your cash deposits must remain in your account for a minimum of 5 trading days before being available for withdrawal. This holding period is for anti-money laundering and risk management purposes.
Albert will not initiate an automatic deposit if your funding bank account's balance is less than $200.

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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.

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