Welcome to banking for your life.

Say goodbye to check cashing fees and waiting in line. No minimum balances, overdraft or hidden fees. No credit check or ChexSystems verification required.

Your funds are held by Metropolitan Commercial Bank, and are insured by the FDIC for up to $250,000.

Manage Your Money in One Place

From the comfort of your home

  • BrightFi is a banking app for your smartphone or any internet connected device that lets you quickly manage and control your money in one place.

  • Quickly access to your funds after signing up for direct deposit or choose to deposit cash and checks at one of our 38,000 ATMs

  • You can also check your balance, pay your bills, and send money to friends and family whenever you want.

Say goodbye to Painful Fees

No surprises here

  • Most accounts let you overdraft but charge fees or check your credit first. Now, you can choose a banking app that will never overdraft so you won’t have to worry about painful fees again.

  • We also protect your money with advanced technology and keep you safe from fraud by notifying you of suspicious activity.

  • BrightFi is a $4.95 monthly subscription with no hidden fees. Some third party fees may apply, like out of network ATM fees. But don't worry. We share each third party fee with you in our Virtual Branch. Because life's easier when you know what's coming.

Take the first step

Your goals are within reach

  • Getting a BrightFi account is an important step towards building your credit. Getting an account now can help you pay bills on time as well as in the future when it’s time for you to apply for a loan for a car, house, or small business. 

  • The money you save with BrightFi can be put towards an emergency fund, everyday expenses or for a special occasion.

We're Changing the Game

Say goodbye to check cashing fees

Traditional banks and check cashers can charge up to $50 a month to access your hard-earned money. With BrightFi, you'll find more money in your wallet at the end of every month.

Per month, Billed Monthly
Debit Card
Send money anywhere in the U.S. from your phone
Withdraw cash at 38,000+ ATM locations
Deposit cash and Checks at over 20,000 ATM locations
funds held by Metropolitan Commercial Bank, member FDIC and insured up to $250,000