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Albert: Budgeting and Banking
Albert: Budgeting and Banking Vs. EarnIn: Make Every Day Payday

Albert: Budgeting and Banking vs EarnIn: Make Every Day Payday Usage & Stats

THE ALL-IN-ONE MONEY APP Budget, save, spend, and invest — all in one incredibly powerful app. Plus, get 24/7 identity monitoring, earn competitive Annual Percentage Yield in a high yield savings account, and ask our finance experts anything. Subscription required. Try 30 days before you’re charged. SPEND WITH BENEFITS Get the benefits of modern online banking with fewer fees. Set up direct deposit and get paid up to 2 days early. Earn cash back at select stores. Albert is not a bank. See disclosures below. BUDGETING AND PERSONAL FINANCE MANAGEMENT Budget with the same app you use to save, spend, and invest. Get a monthly budget, track expenses, and use budget planning tools to 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 your Albert Savings and Investing accounts based on what we think you can afford. Open a high yield savings account to earn competitive APY on your deposits, over 9x the national average. Buy stocks and ETFs or invest in a portfolio managed by Albert. See disclosures below. PROTECT YOUR MONEY Activate 24/7 monitoring of your accounts, credit, and identity. We’ll update you with real-time alerts when we detect a potential threat to your accounts. Plus, keep tabs on your score with our credit score checker. DISCLOSURES Albert is not a bank. Albert Cash 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. Funds in Albert Cash are held in a pooled account at Sutton Bank. Funds in Savings accounts are held at Coastal Community Bank or Wells Fargo, N.A., disclosed on account opening. Cash and Savings account funds are eligible for up to $250,000 in FDIC insurance on a pass-through basis. Your FDIC insurance is subject to specific conditions being satisfied. Albert plans range from $11.99 to $29.99. Try 30 days before you're charged. The fee will auto-renew until canceled or your Albert account is closed. Cancel in the app. See Terms of Use and Account Agreement for more details, including fee information. The Instant Advance is available to you at Albert’s discretion. Limits range from $25-$250, subject to eligibility. Not all customers will qualify. Transfer fees may apply. Early access to direct deposit funds may vary depending on the payer’s deposit timing. Cash back rewards are subject to Terms of Use. For High Yield Savings accounts, interest rates are variable and subject to change at any time. These rates are current as of 10/15/24. There is no minimum balance requirement. Genius is required to access High Yield Savings. Fees to use Albert may reduce the earnings on your account. Brokerage services provided by Albert Securities, member FINRA/SIPC. Investment advisory services provided by Albert Investments. Investing accounts are not FDIC insured or bank guaranteed. Investing involves the risk of loss. More info at albrt.co/disclosures. 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. Address: 440 N Barranca Ave #3801, Covina, CA 91723 No customer support available at this address. Visit www.albert.com for customer support details. Not affiliated with personal finance budget apps such as Rocket Money, Everydollar, Monarch Money, Quicken Simplifi, Pocketguard, Copilot or Nerdwallet.

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#1,286

EarnIn: Make Every Day Payday

Instantly access your pay in advance — without waiting for a paycheck. EarnIn lets you access your pay as you work — not days or weeks later. All with no loans, no borrowing money, no interest, no mandatory fees, and no credit checks. With Cash Out on EarnIn, get up to $100/day and up to $750/paycheck to cover day-to-day costs, unexpected expenses, and everything in between[5]. Plus, we’ll help you keep your credit goals moving forward with free credit monitoring directly in the app. Cash advances and payday loans can be misleading and costly. EarnIn simplifies things with easy, no-cost options that tap the money you’ve already earned to get you paid in advance[1]. All with no interest, no credit checks, and no surprises[5]. EarnIn also provides Balance Shield that notify you whenever your bank balance runs low[4]. Skip the cash advances and payday loans. Stay on budget with your money in advance from EarnIn. Here’s how Cash Out on EarnIn works: Download the EarnIn app and add your info Access up to $100/day of your pay & up to $750/pay period Tip what feels right (optional) Any money accessed, plus optional fees and tips, is automatically repaid when your next paycheck comes Download EarnIn for easy, instant access to your money when you want it. YOUR MONEY AT YOUR SPEED - Connect your bank account to instantly access your pay in advance - EarnIn works with Bank of America, Wells Fargo, Chase, Capital One, and more - Get paid in minutes with Lightning Speed transfers[1] - Smarter & faster alternative to cash advances GET UP TO $750 EVERY PAY PERIOD - Get up to $100/day and up to $750/pay period as you work to handle financial emergencies, cover loan payments, or keep up with day-to-day expenses - Better than a cash advance or payday loan – get money from your own pay instantly[3] FREE CREDIT SCORE TRACKING - Monitor your credit score[6] for a full picture of your financial health - Get alerts when your credit file changes & keep track of suspicious or fraudulent activity - Unlike loan apps, EarnIn provides financial tools to help you monitor your credit score & move toward your goals BACKED BY 24/7 SUPPORT Questions or issues? Our Live Chat team is available 24/7, 365 days a year. --- EarnIn is not affiliated with Chime, Dave, Albert, Brigit, CashNetUSA, Empower, Klover, MoneyLion, Cleo, Cash App, Daily Pay, Google Pay or Credit Karma. EarnIn is not a payday loan or a personal loan. There's no interest or APR to transfer from your paycheck. EarnIn does not sell your personal data to third parties. Learn more about our privacy policy: earnin.com/privacy EarnIn 200 Portage Ave Palo Alto, CA 94306 --- Disclaimers: EarnIn services may not be available in all states. [1] Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Transfers may take up to thirty minutes, actual transfer speeds will depend on your bank, see Cash Out User Agreement for details. [2] Tipping options will vary between tools. [3] Tip Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit https://www.earnin.com/evolve-bank-and-trust [4] Balance Shield Cash Outs are subject to your available earnings, Daily Max and Pay Period Max. [5] Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs. Restrictions and/or third party fees may apply. For more info and for our privacy policy, visit earnin.com/tos [6] 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. Learn more: https://www.experian.com/assets/consumer-information/product-sheets/vantagescore-3.pdf