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Get up to $250 in minutes

Card Brand MasterCard®

Credit Recommended Any Credit Welcome

Regular Purchase APR See Terms

Annual Fee See Terms

Intro Purchase APR n/a

Intro Balance Transfer APR n/a


Banking with benefits

  • Overdraft coverage : Get Instant overdraft coverage with Genius.
  • Earn up to 20% cash back : Earn cash back on gas, groceries, and more.
  • Identity protection : Monitor your money for suspicious activity 24/7.
  • Get paid up to 2 days early : Access your paycheck up to 2 days early with direct deposit.
  • Saving and investing : We’ll save and invest for you — automatically.
  • Fee-free ATMs : Withdraw cash for free at over 55,000 ATMs.

Get up to $250 in minutes

  • Instant overdraft coverage. No credit check. Add your email to sign up and see what you qualify for:
  • Limits range from $25-$250. Genius subscription required. Subject to eligibility requirements. Transfer fees may apply.

Additional Info

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 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.


Regular APR n/a
Annual Fee See Terms
Intro (Purchases) n/a
Intro (Transfers) n/a
Credit Recommended Any Credit Welcome
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a
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