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When will my funds be available?

The time it takes for transfers to process will depend on the type of transfer and which accounts the money is being sent to and from.

The times below are estimates based on Albert’s processing times. There may be additional factors that delay posting your transfer, which can include your external’s bank’s policies or our own fraud prevention policies.

 

Transfers between Albert Cash and external bank accounts

Transfers between Cash and external bank accounts are completed via ACH transfer, a bank-to-bank transfer. Estimated time to securely process transfers between Albert Cash and an external bank account:

  • Deposits: 5–6 business days (excluding weekends and holidays)
  • Withdrawals: 2–3 business days (excluding weekends and holidays)
Setting up direct deposit with your Albert Cash account can help reduce your ACH transfer processing times to 2–3 business days.

 

Transfers between Albert Savings and external bank accounts

Transfers between Savings and external bank accounts are completed via ACH transfer, a bank-to-bank transfer. Estimated time to securely process transfers between Albert Savings and an external bank account:

  • Deposits: 5–6 business days (excluding weekends and holidays)
  • Withdrawals: 2–3 business days (excluding weekends and holidays)

 

Transfers between Albert Investing and external bank accounts

Transfers between Investing and external bank accounts are completed via ACH transfer, a bank-to-bank transfer. Estimated time to securely process transfers between Albert Investing and an external bank account:

  • Deposits: 5–8 business days (excluding weekends and holidays)
  • Withdrawals: 2–3 business days (excluding weekends and holidays)
  • Funds from sales take 2 business days to settle before they can be withdrawn.
For security purposes, deposits made into your Albert Investing account include an additional 5 business day holding period before they can be withdrawn.

 

Transfers between Albert products

In most cases, transfers between Albert accounts are available immediately.

 

Direct deposit

If you have direct deposit set up with Albert, your paycheck will be posted as soon as we receive it from your payroll provider.

You may have access to your paycheck up to 2 days early compared to other banks. Read more about how early pay works here.

 

Business days and ACH transfers

ACH transfers are bank-to-bank transfers. Meaning, that they are transferred between Albert and your externally linked bank account. These transfers are processed through the Automated Clearing House (ACH) Network.

Transfers made over ACH are processed on weekdays and business days (when banks are open), and are not processed on weekends or federal holidays. The time it takes to process your transfer can be extended due to processing times that are over weekends, federal holidays, or any other additional holding periods.

Business days typically include:

  • Weekdays, Monday through Friday

Business days exclude:

Note: Transactions initiated after 4pm PT will be considered received the following business day.

 

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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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