Do I need a subscription to apply for and use Instant?

Instant is a feature available to all members who qualify, whether they’re subscribed to Genius or not. To apply for Albert Instant, you’ll set up an Albert account and a 30-day trial for Albert Genius as part of the sign-up process. You can cancel the subscription at any time. If you cancel within 30 days of signing up, you will not be charged for your subscription. If you cancel your subscription, you will still have access to Instant if you otherwise qualify. Anyone with an Albert account can apply to advance cash through Instant regardless of whether or not they have an active Albert Genius subscription.

Go here for more information on how to manage your Genius subscription.

We consider a variety of factors to determine eligibility for an Instant advance. Your subscription status has no impact on determining your Instant eligibility or fees.

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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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