Albert has the worst customer service I've ever experienced in banking. The cash backs etc are cool as long as you never have an issue. I used my Albert debit card to reserve a hotel room on a trip to Texas. After the trip my stay was finalized and paid for in full with another card but the holds on my Albert is still on my account now (2 weeks later) The hotel advised me that they released the hold because I owe them nothing and even provided documentation for me to send to Albert.