Bank, save, invest, and budget — with a Genius team of money experts to guide you. With a Genius subscription you can get up to $250 overdraft coverage, set up direct deposit to get paid up to 2 days earlier, save and invest automatically, and protect and monitor your identity in the app. Overdraft limits range from $25 to $250. Eligibility requirements and other terms apply.

Albert is not a bank. See disclosures below for more details.


Our team of experts are here to answer everything, big or small. That means budgeting, credit cards, student loans — even buying a home.

GET UP TO $250

Get up to $250 with Instant overdraft protection with Genius on your Albert Cash account.  Overdraft limits range from $25 to $250. Fast transfer fees may apply. Eligibility requirements and terms apply.


Albert tracks your income and spending to find dollars you can save automatically with Genius. Plus get cash bonuses just for saving. Withdraw your savings at any time.


Invest your money with Genius. Buy stocks and ETFs. Plus, let Genius suggest a portfolio that matches your financial goals.


• Albert uses cutting-edge security technology to protect your sensitive information.
• Albert Cash and Albert Savings accounts are FDIC-insured. Should the member bank holding your balance fail, you'll be insured for up to $250,000 of your money in the account. Albert Investing accounts are not FDIC insured or bank guaranteed.
• Albert Securities is a Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at


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.

ATM withdrawal fees apply for out-of-network ATM withdrawals.

With Instant overdraft coverage eligible members can overdraw their Albert Cash account for debit card purchases, ATM withdrawals, and transfers. Instant overdrafts require a Genius subscription and are subject to eligibility requirements and terms. Not all Genius subscribers qualify. Fast transfer, ATM and other fees may apply. See app for details.

Securities products and services offered to self-directed investors through Albert Securities LLC, Member FINRA/SIPC. Review for important disclosures. Advisory services offered through Albert Investments, LLC. Investments are risky: you could lose money, and past performance is no guarantee of future returns. See our Form ADV Part II and our Terms of Use at for more.

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.

We’ve refreshed the look of our app and updated the Genius tab to make it even easier to get advice from our team of finance experts. Plus, we’ve pushed a handful of fresh tweaks to enhance your experience. Enjoy!

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