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Why do you need my bank's associated debit card?

To receive your cash advance instantly (in under 10 minutes), you need to connect the debit card associated with your linked bank account or connect Instant to your Albert Cash account. This is for two important reasons:

  • Fast service: Cash advances can only arrive “instantly” if sent directly to a debit card or your Albert Cash account. Otherwise, the advances are sent via ACH transfer, a bank-to-bank transfer that typically takes 2–3 business days (Mon–Fri) to process.

  • Fraud protection: Together, your linked bank account and associated debit card help us verify your identity and income.

 

My debit card isn’t connecting. How can I fix this?

Albert Instant requires a secure connection to your debit card to send cash advances. If you’re having connection issues, you can try re-linking your debit card.

To update your debit card:

  1. On the home screen, tap “Instant.”
  2. Tap settings (⚙️).
  3. Under "Account management," tap your linked debit card. You’ll have the option to update the card.

 

For any further questions about account setup, the application process, or troubleshooting, text Genius at (639-37).

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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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