Albert

Highlights

THE ALL-IN-ONE MONEY APP

Budget, save, spend, and invest. All in one incredibly powerful app. Get 24/7 identity monitoring, earn on your savings, and ask our finance experts anything. Subscription required. Try 30 days before you’re charged.

ONLINE BANKING

Get paid up to 2 days early with direct deposit. Earn cash back at select stores. Albert is not a bank. See more below.

BUDGETING AND PERSONAL FINANCE MANAGEMENT

Get a monthly budget, track expenses, and customize your spending plan. See all your accounts in one place and track recurring bills. We’ll help find subscriptions you don’t use and negotiate to lower your bills.

AUTOMATIC SAVING AND INVESTING

Smart money automatically transfers money to help you save and invest. Open a high yield savings account to earn competitive Annual Percentage Yield (APY) on your deposits, over 9x the national average. Invest in stocks, ETFs, and managed portfolios. See more below.

PROTECT YOUR MONEY

24/7 monitoring on your accounts, credit, and identity. Get real-time alerts when we detect potential fraud. Plus, track your credit score.

Additional Info

When you join Albert, you’ll set up an Albert Cash account and a 30 day trial as part of the sign-up process. Albert account holders will be charged a Genius account fee. Genius fees cost $12.49/month billed yearly or $14.99/month billed monthly. If you deactivate or close your account within 30 days of opening an account, you will not be charged the fee. The Genius fee will auto-renew until your account is deactivated or closed. Deactivate or close your account any time in the app.

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. Genius is required to access Instant overdrafts but you may cancel any time. Not all Genius customers 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 have 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.

Specifications