Welcome to your Virtual Branch

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, a BrightFi account gives you the tools you need to manage your money. 

no fees here

How it works

Your subscription fee will be posted 30 days after your account has been funded, and then every 30 days thereafter. If there are not enough funds in the account, we'll charge it once but not after that.

That means you'll never have a mountain of fees pile up if your balance runs out! 

Per month, Billed Monthly
Visa® Prepaid 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.

  • Limit of $5,000 worth of deposits each month​

  • Total balance allowed in the account at any time: $10,000

  • Limit of $5,000 per deposit for direct deposit

  • Limit of $500 per cash and ATM check deposit per day and limit of one cash and one check deposit per week.

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

Point of Sale (POS) Transactions​
  • Only spend what you have available in the account.

  • For your safety, we limit a single transaction to $5,000

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

  • Unlimited BrightFi to BrightFi transfers​

  • External transfers up to 8 transfers per month​

ATM Withdrawals​
  • $200 limit per day and up to $200 limit per withdrawal

  • ​Limit of 5 withdrawals per day​

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

Card replacement​
  • First replacement card at no extra cost

  • ​$10 fee thereafter

Video Tutorials

New to mobile banking? Not to worry! Here are a few videos to help you get started and show how to use BrightFi's features.

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. You also can deposit cash at over 20,000 Smart ATMs. To find the one closest to you click the link below.

Get help from a human when you need it.

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