Albert vs Gerald

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.

Experience the power of smart shopping and instant financial flexibility. Use your approved advance to buy household essentials and everyday items from Gerald’s Cornerstore. With no credit checks, interest, or hidden fees—and the added benefit of a Free Cash Advance transfer—Gerald makes it easy to get what you need, exactly when you need it. POPULAR FEATURES: Buy Now, Pay Later (BNPL) with Advance - Running low on cash? Use our Buy Now, Pay Later feature to shop a wide range of products from Gerald’s Cornerstore, whether it's everyday essentials or personal items. A better alternative to traditional Buy Now Pay Later apps, it allows you to make important purchases without the burden of upfront costs. Instant FREE Cash Advance Transfer -Access a quick cash advance that you can transfer directly to your bank account, ideal for added flexibility and financial peace of mind. Get help when you need it—without interest rates, fees, credit checks, or subscriptions. *CASH ADVANCE TRANSFER IS ONLY AVAILABLE TO CUSTOMERS WHO PURCHASE ITEMS USING A PORTION OF THEIR ADVANCE FROM GERALD’S CORNERSTORE AND MEET THE REQUIRED MINIMUM ADVANCE SPEND THRESHOLD. INSTANT TRANSFER IS ONLY SUPPORTED FOR ELIGIBLE BANKS. Store Rewards - Earn rewards to spend on Gerald's e-store, Cornerstore! Pay your advance on time and get a percentage back as a reward for future purchases. Best of all, store rewards don’t need to be paid back! Play To Earn - Turn free time into reward time! Play fun games, Collect points, and redeem them for Gerald’s Store Rewards to fund a future purchase. WHY CHOOSE GERALD? Gerald is on a mission to empower individuals and families by providing easy access to recurring and essential household products at affordable prices. Join us at Gerald and experience a new way to shop for your recurring and essential household needs, where your financial well-being is our top priority. Shop smart, save more and embrace a brighter future with Gerald! Download the app to get started today. LEGAL DISCLOSURE Gerald does not offer loans. Gerald is NOT a payday loan, cash loan, personal loan, or app to borrow money. By validating your employment you can access money you’ve already earned. Gerald's advance service comes with no minimum or maximum repayment time frame requirements. (*) Get advances from $40 to $200 with no mandatory minimum or maximum repayment period, and absolutely no interest or APR (0% APR). For more information please see Gerald's terms and use: https://joingerald.com/legal/terms-of-use. EXAMPLE SCENARIO If you are approved for a $100 advance, you’ll be required to use a specific portion of that advance on our e-store (i.e. Cornerstore). Once this threshold has been met, you can then transfer the remaining balance of the advance to your bank account with no fees attached. For example, if you’re provided with a $100 advance, you may need to allocate at least $50 of this advance towards purchases on Cornerstore. After meeting this requirement, the remaining $50 can be transferred to your bank account hassle-free and with no fees. In this case, your repayment amount will be $100. (*) Not all users will qualify. Subject to approval policies. PRIVACY: https://joingerald.com/legal/privacy TERMS OF SERVICE: https://joingerald.com/legal/terms-of-use Gerald is not affiliated with Credit Karma, Kikoff Credit Builder Loan, Experian Credit Check, Credit One, Credit Strong, Intuit Credit Karma, Albert, Earnin, Dave Bank, Brigit, Chime, Klover, loan apps, Money Lion, FloatMe Cash Advance, Empower, Cash Advance, Vola, Grid Money, Venmo, Beem, Line Credit, Rocket Money, Possible Finance, CashNetUSA, Rain Cash Advance, Branch paycheck loans, Grant Cash Advance, or Cleo payday credit loans app. Gerald Technologies is a financial technology company, not a bank.