To get started, head to the home screen of the app and tap "Instant." Follow the prompts to set up Instant. Once you've been approved for Instant overdraft coverage, you can opt-in to use it. An Albert Cash account and Genius account fee, along with Smart Money transfers turned on, are required to access Instant overdrafts.
What does Instant cover?
With Instant cash you can overdraw your Albert Cash account up to your Instant limit for the following transactions:
- Debit card purchases
- ATM withdrawals
- ACH and other electronic transfers
To use Instant in the app:
You can access your Instant overdraft funds directly on your Albert Cash debit card.
- Toggle on Instant overdraft coverage from Instant settings to opt-into overdrafts on debit card purchases, ATM withdrawals, ACH, and other electronic transfers.
- You can also access your overdraft coverage when you make a transfer in the app.
Instant overdraft coverage
Albert Instant is an optional overdraft coverage service for ACH transfers, ATM withdrawals, debit card purchases, and other electronic transfers you make. Download to see if you qualify for Albert Instant overdraft coverage. There are no Instant overdraft fees. However, transfer, ATM, or other applicable fees may apply. See app for details. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay in our sole discretion. If overdrafts are not repaid within 10 days from when your Albert Cash balance is initially overdrafted, your repayment will be overdue and your Instant access may be temporarily suspended. Even if Instant is turned off we may still allow overdraft payments at our discretion for other types of transactions, including fees charged by Albert. See our A9 form for additional information about our overdraft program.