Disconnecting your bank account from Albert Investing

To disconnect your bank account from Albert Investing, you log into your Albert app, navigate to Settings, select Connected Bank Accounts, find the account you want to remove, and choose the disconnect or remove option. The process takes a few minutes and doesn't affect your main Albert account or any other connected accounts you may have.

Albert uses Plaid, a third-party service, to connect to your bank. When you disconnect through Albert's app, you're breaking that connection on Albert's side. However, you should also revoke Albert's access directly through your bank's website to fully sever the link, especially if you're concerned about data security or want to may support no future charges can be pulled from that account.

Key Takeaways

  • Disconnecting in the Albert app removes the link on Albert's end but does not automatically revoke access at your bank.
  • You should log into your bank's website and revoke Albert's permission separately to fully disconnect.
  • Disconnecting does not close your Albert account or affect other bank accounts you may have linked.
  • If you have pending transfers or scheduled deposits, cancel those before disconnecting to avoid failed transactions.

Steps to disconnect in the Albert app

Open the Albert app and tap the menu icon (usually three horizontal lines) in the bottom right or top left corner. Look for Settings or Account Settings. Scroll down until you find Connected Bank Accounts, Linked Accounts, or a similar label — the exact wording varies by app version.

Tap the account you want to disconnect. You'll see options to manage that connection. Select Remove, Disconnect, or Delete (again, the button label may vary). Albert will ask you to confirm. Tap Yes or Confirm. The account should disappear from your list within seconds.

Revoking access at your bank

Disconnecting in the Albert app is only half the process. Albert uses Plaid to read your account information, and Plaid maintains its own permission on your bank's side. To fully revoke access, you need to log into your bank's website or app directly.

Once logged in, look for Settings, Security, Connected Apps, Third-Party Access, or Authorized Applications. The exact location depends on your bank. Find Albert or Plaid in the list and select Revoke, Remove, or Disconnect. Some banks ask you to confirm; others remove it when ready. This step prevents Albert from requesting any new data from that account in the future.

What happens to pending transfers and scheduled deposits

If you have money scheduled to transfer from that bank account into Albert, or if Albert is set to pull funds from that account for any reason, those transactions may fail after you disconnect. Check your Albert app for any pending or recurring transfers before you remove the account.

To cancel a scheduled transfer, go to the Transfers or Money Movement section of the Albert app, find the transfer tied to that account, and select Cancel. Do this before you disconnect. If a transfer fails after disconnection, Albert typically returns the money to your bank within one to three business days, but you'll want to avoid that delay.

Disconnecting does not close your Albert account

Removing a bank account from Albert does not close your Albert account itself. You can still use Albert's other features, and you can link a different bank account later if you want to. If you want to close your entire Albert account, that's a separate process that requires contacting Albert's support team.

If you have an Albert Cash account (a savings or checking account offered by Albert), disconnecting a linked external bank account does not affect it. Your Albert Cash balance and account remain active.

If you have multiple accounts linked

Albert allows you to link more than one bank account. Disconnecting one does not affect the others. If you're removing one account but keeping another, the remaining account will continue to work normally, and any transfers or features tied to that account will continue as scheduled.

If you're unsure which account is which, look at the account number or bank name shown in the Connected Bank Accounts list. Most apps display the last four digits of the account number, which makes it easier to identify the right one before you disconnect.

Troubleshooting if the disconnect button doesn't appear

If you don't see a disconnect or remove option, your app may be outdated. Close the Albert app completely and open your phone's app store (Apple App Store or Google Play Store). Check for an Albert update and install it if one is available. Then open Albert again and try the disconnection process.

If the button still doesn't appear after updating, or if you get an error message, contact Albert's support team through the app. Tap Help or Support, describe the issue, and they can disconnect the account on their end. Response times vary, but Albert typically replies within one to two business days.

Frequently Asked Questions

Will disconnecting my bank account affect my credit score?

No. Disconnecting a bank account from Albert does not affect your credit score. Albert does not report bank account connections to credit bureaus. Your credit score is based on credit accounts like credit cards, loans, and payment history, not on which apps have access to your checking account.

Can I reconnect the same bank account later?

Yes. You can reconnect the same bank account to Albert at any time. You'll go through the linking process again, which involves logging into your bank through Plaid and authorizing Albert to access that account. There's no waiting period or penalty for reconnecting.

What if Albert is still pulling money from my account after I disconnect?

If you see a charge from Albert after disconnecting, it likely means the disconnection didn't fully take effect, or you didn't revoke access at your bank. Log into your bank's website, find the Connected Apps or Third-Party Access section, and revoke Albert or Plaid again. If charges continue, contact your bank's fraud or dispute team and ask them to block Albert from pulling funds.

Do I need to tell Albert I'm disconnecting?

No. You can disconnect through the app without notifying Albert's support team. However, if you're disconnecting because of a problem — like unauthorized charges or a security concern — it's worth contacting support to document the issue and may support there are no outstanding transfers or subscriptions tied to that account.

Will I lose my Albert Cash account if I disconnect my bank account?

No. Your Albert Cash account (if you have one) is separate from any external bank accounts you link. Disconnecting an external bank account does not affect your Albert Cash balance or account status.