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How do I use Instant?

To get started with Albert Instant Overdraft Coverage, 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, you can opt-in to use it. An Albert Cash account is required to access Instant.

 

What does Instant cover?

With Instant, 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.

  1. Toggle on Instant overdraft coverage from Instant settings to opt-into overdrafts on debit card purchases, ATM withdrawals, ACH, and other electronic transfers.
  2. You can also access Instant funds when you make a transfer in the app.

 

There are no overdraft fees when you spend on your debit card, transfer money, or otherwise overdraw your account. However transfer, ATM, and other applicable fees may apply.

 

Albert Instant Overdraft Coverage

With Albert Instant Overdraft Coverage, eligible members can use Instant for ACH transfers, ATM withdrawals, debit card purchases, and other electronic transfers. Limits range from $25 to $250, subject to eligibility. The average approved limit is around $95 as of 6/7/24. Not all Albert customers will qualify for Instant overdraft advances. Fast transfer, ATM, and other applicable fees may apply. See app for details.