Albert vs Grid Money

THE ALL-IN-ONE MONEY APP Budget, save, spend, and invest. All in one incredibly powerful app. Get 24/7 identity monitoring, earn on your savings, and ask Genius anything. Subscription required. Try 30 days before you’re charged. ONLINE BANKING Get paid up to 2 days early with direct deposit. Earn cash back at select stores. Albert is not a bank. See more below. BUDGETING AND PERSONAL FINANCE MANAGEMENT Get a monthly budget, track expenses, and customize your spending plan. See all your accounts in one place and track recurring bills. Find subscriptions you don’t use and negotiate to lower your bills. AUTOMATIC SAVING AND INVESTING Smart money automatically transfers money to help you save and invest. Open a high yield savings account to earn competitive Annual Percentage Yield (APY) on your deposits, over 9x the national average. Invest in stocks, ETFs, and managed portfolios. See more below. PROTECT YOUR MONEY 24/7 monitoring on your accounts, credit, and identity. Get real-time alerts when we detect potential fraud. Plus, track your credit score. DISCLOSURES 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. 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 $19.99-$39.99. Auto-renews until canceled or your Albert account is closed. Cancel in the app. See Terms for more. Albert Genius is an AI financial assistant and can make mistakes. Information or recommendations by Genius are provided “as is” and may be inaccurate. Instant Advances are available to you at Albert’s discretion. Limits range from $25-$1,000, subject to eligibility. Not all customers will qualify and few qualify for $1,000. No subscription required. Instant line of credit issued by FinWise Bank, Member FDIC. Limits range from $25-$1,000, subject to eligibility. Draw fees apply. No subscription required. Terms apply. Instant Loans are issued by FinWise Bank, Member FDIC, or Albert, under licenses in Utah and Florida. Loans start at $1,000, and are subject to eligibility and credit review. No subscription required. Terms apply. Early access to direct deposit funds may vary depending on payer’s deposit timing. Cash back subject to terms. High Yield Savings account interest rates are variable and subject to change at any time. Rates current as of 2/24/26. 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. Investing content provided by Albert Genius are research tools, not recommendations. 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 help.

Keep more of your paycheck and get cash when you need it with Grid. No interest, credit checks, or late fees. Just a simple $10/month for Grid+. CASH ADVANCES Get an advance when you need extra cash between paychecks. Up to $200* per advance with our Levels program. No credit checks needed and always transparent pricing. STOP OVERPAYING YOUR TAXES Keep fixes your withholdings so you're paying the right amount of tax every payday. More in every paycheck instead of one big refund next April. No interest, no repayment — it's your own money. NO CREDIT CHECKS Sign up is fast and easy through the app. Need help? We're always here to help. Reach out to us at support@getgrid.app *You must meet eligibility requirements to obtain an Advance. Your initial Advance limit will be less than $200 and may increase gradually over time. Advance limits are based on your account activity and balance(s), your direct deposits, your history of timely Advance repayments, your income and tax refund projections, and other risk-based factors. Your eligibility and Advance limit are evaluated regularly and may change at any time. You may only take one Advance at a time. Grid does not offer loans or credit products. There is no APR, no finance charge, and no loan obligation.