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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.


Albert is not a bank. Banking services provided by Sutton Bank, Member FDIC. The average overdraft limit approved is around $80 as of 11/1/23. Instant overdraft coverage remains subject to eligibility requirements and terms, including a Genius subscription, but not all Genius subscribers will qualify.

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.

130,000+ 5-star app reviews


Genius has helped members save and invest over $1 billion.

Serious security

Albert Cash and Albert Savings accounts are FDIC-insured through Sutton Bank, Coastal Community Bank, and Wells Fargo, N.A. Should the member bank holding your balance fail, you're insured for up to $250,000 of your money in the account.

Make the switch today.