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Are there Instant advance fees?

No interest or late fees

We never charge you interest on Instant advances. And there aren’t any additional fees if you pay us back after your scheduled repayment date.

 

Advance fees

Advances are free if you select Albert Cash as the primary bank account linked to Instant. You can also advance cash for free to an external bank account via ACH transfer, which takes 2–3 business days. For all other advances where Albert Cash isn't the primary bank account for Instant, you'll pay a small fee to help cover our operational costs.

 

Fees are automatically withdrawn along with your advance repayment on your next payday.

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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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