Cash Instant Saving Investing Protect Budgeting Genius

About Careers Help

Cash Instant Saving Investing Protect Budgeting Genius

About Careers Help

Get the app

Albert
Albert Instant

Albert Instant

Albert Instant overview

How do I use Instant?
How do I qualify for Albert Instant?
How do you determine my Instant limit?
How does repayment work?

Company

About Careers press@albert.com

Support

Help support@albert.com

Legal

Terms of Use Privacy Policy Disclosure library

App

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, and Wells Fargo, N.A. The Albert Mastercard® debit card is issued by Sutton Bank, pursuant to a license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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.

With Instant overdraft coverage, eligible members can overdraw their Albert Cash account for ACH transfers, ATM withdrawals, debit card purchases, and other electronic transfers. Overdraft limits range from $25 to $250. The average approved overdraft limit is approximately $80 as of 11/1/23. A Genius subscription is required to access Instant overdrafts but you may cancel any time. Not all Genius subscribers will qualify for Instant overdraft. Fast transfer, ATM, and other applicable fees may apply. See app for details.

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.

Cash back rewards are subject to terms.

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.

Investment advisory services are provided by Albert Investments, LLC, a Registered Investment Advisor. Brokerage services are provided by Albert Securities, LLC, Member FINRA/SIPC. Securities products are not FDIC insured or bank guaranteed, and may lose value. Additional disclosures available here.

Credit score calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. Click here to learn more.

All displayed trademarks and logos are for illustrative purposes only and are not a recommendation, an offer to sell, or a solicitation of an offer to buy any security.

Any displayed trademarks or logos are the property of their respective owners and do not represent endorsements of any kind.

Please see our Terms of Use and Privacy Policy for more details.

Privacy options

When you visit the Albert website, we may track information related to you or your device. This information may be shared with third parties to optimize your experience with Albert and to market our services.

To opt out of sharing while browsing the web, toggle your settings below. To opt out of sharing while using the app, visit the app while logged in and go to the Profile tab > Settings > Security > Information sharing.

Manage consent preferences

Allow sharing