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When will my funds be available in Cash?

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. Check out the situations below:

 

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. It takes 3–6 business days (Mon–Fri, excluding federal holidays) to securely process transfers initiated in the app.

Setting up direct deposit with your Albert Cash account can help reduce your ACH transfer hold times to 2–3 business days.

 

Transfers between Albert products

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

Deposits made into your Albert Investing account can take up to 5 business days (Mon–Fri) to process. During this window, you won’t be able to withdraw the deposit.

 

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.

 

Other transfers

Availability of funds from deposited checks or other deposit types may vary. In most cases, your funds will be available to use within 3–7 business days (Mon–Fri) from the business day they're received by Albert.

 

 

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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. Savings bonus may vary. Download to see if you qualify for Albert Instant. Repay the Instant 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 Investing, access to Albert’s financial experts, free in-network ATM withdrawals, and more.

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