Looking for help with your account? We've got your back.

your money when you need it
An account built for real life.

Whether you’re looking for a way to save money on check cashing and prepaid card reload fees or if you are new to banking, BrightFi gives you the tools you need to manage your money. 

no HIDDEN fees here

How our pricing works

Your $4.95 subscription fee will be posted 30 days after your account has been funded, and then every 30 days thereafter.

We don't allow overdrafts and you can use in-network ATMs at no extra cost.

Some out of network ATMs and third party providers may charge a fee.

Per month, Billed Monthly
Mastercard Debit card with no overdraft
Send money to friends and family in the US
withdraw cash at 38,000 ATMs around the country
Savings jars to help you manage your money
no small print here
Know your limits.

Every bank has limits on transactions and spending. Normally it’s hidden in small print somewhere. We’re showing you all the BrightFi app limits front and center. Open the menus below for details.

Direct Deposits or ACH Transfer
  • Maximum of $5,000 for any single deposit or transfer  

  • Maximum of $5,000 per day

Mobile Deposits
  • Maximum of $10,000 in checks per month (on a30-day rolling basis) 

  • Maximum of $5,000 for any deposit

  • Maximum of $5,000 per day 

  • Maximum of 10 mobile check deposits in a single day

  • Never allowed. Seriously, you’re not going to spend money you don’t have with us.

Point of Sale (POS) Transactions​
  • Maximum 20 transactions per day 

  • Maximum $3,000 per transaction

  • Maximum $5,000 per day

Person-to-person transfers (domestic)
  • $4,000 daily cap on dollar amount sent​

  • Unlimited number of transfers per month to BrightFi account holders

  • Up to 8 transfers per month to non-BrightFi account holders 

ATM Withdrawals​
  • Maximum $500 per withdrawal 

  • Maximum 5 per day 

  • Maximum $2,500 per day  

  • Maximum $5,000 per month (on 30 day rolling basis)

  • Out-of-network ATM fees may apply and vary by provider.

Card replacement​
  • $10 replacement card fee

We're here to help
Find quick answers to your questions.
Getting Started
Learn more about getting started with BrightFi today.
Using your account
Have a question about how to use your account? Look no further!
Account not working
Account not working? We're here to help.
Your Money, at your fingertips
Got Cash?

BrightFi is part of the MoneyPass ATM network which means you get access to over 38,000 ATMs at no additional cost.  To find the one closest to you click the link below.

Get help from a human when you need it.

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BrightFi is a financial technology company, not a bank. Banking services provided by Sterling National Bank; Member FDIC
The demand for our new product has been tremendous. To help onboard our new customers we have temporarily paused new applications. We can't wait to welcome you to BrightFi so please check back in the future when we hope to reopen applications.