Albert is not a bank. Banking services provided by Stride Bank, N.A., Member FDIC. Albert Savings accounts are held for your benefit at FDIC-insured banks, including Wells Fargo, N.A. The Albert Mastercard® debit card is issued by Stride Bank, N.A., pursuant to a license by Mastercard. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Funds in Albert Cash are held in a pooled account at Stride Bank, N.A. Funds in Savings accounts are held at Wells Fargo, N.A. Cash and Savings account funds are eligible for up to $250,000 in FDIC insurance on a pass-through basis should the bank holding your funds fail. Your FDIC insurance is subject to specific conditions being satisfied. FDIC insurance applies only to eligible deposit accounts and does not apply to investments, advances, lines of credit, or loans.
Albert subscription plans range from $19.99/mo to $39.99/mo. Try your plan for 30 days before you're charged. Your plan will auto-renew until canceled or your Albert account is closed. Cancel in the app. See Terms of Use for more details.
Albert Genius is an AI-powered financial assistant. Genius can make mistakes. Information or recommendations by Genius are provided “as is” and may be inaccurate. Albert makes no representation or warranty as to any of the information or recommendations provided, in whole or in part, including with respect to their accuracy, reliability, timeliness, or content.
The Instant Advance is available to you at Albert’s discretion. There are no late fees or interest. An Albert subscription is not required to use Instant Advance. Limits range from $25-$1,000, subject to eligibility. Not all customers will qualify and few will qualify for $1,000. See app and Terms of Use for details.
The Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000, subject to eligibility. Draw fees apply. No Albert subscription required. Terms apply. See app and Terms of Use for details. Amounts drawn must be repaid in accordance with the terms of the line of credit.
Loans may be issued by FinWise Bank, a Utah chartered bank, Member FDIC, or Albert, pursuant to licenses in Utah and Florida. To check the rates and terms you may qualify for, Albert conducts a soft credit pull that will not affect your credit score. However, if you choose to continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Loans start at $1,000, and are subject to eligibility criteria and review of creditworthiness and history. An Albert subscription is not required to apply for or maintain an Instant Loan and has no impact on eligibility. To transfer to an external account within minutes, a transfer fee may apply. Not all customers will qualify for an Instant Loan. Terms apply. See app and Terms of Use 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. See the app and the Terms of Use for more details.
For High Yield Savings accounts, interest rates are variable and subject to change at any time. These rates are current as of 10/2/2026. There is no minimum balance requirement. You must have an eligible subscription tier to access High Yield Savings. Fees to use Albert may reduce the earnings on your account.
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, not a deposit, and may lose value. Albert Genius is not a financial advisor. 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.
The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.
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.
Demo accounts are for demonstration purposes only and are not real accounts. All displayed data is sample data, and no money movement or financial transactions are real.
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