You've got questions? We've got answers! 

About Brightfi
+ What is BrightFi?
BrightFi is a new and different way to do your banking. We’ve completely reinvented the traditional banking model, which by the way has been around for over 100 years (can you say outdated?). BrightFi allows you to take control of your finances and keep more of your hard-earned money without any hidden fees and no surprises. With a BrightFi account you get:
  • FDIC insured account up to $250,000 where funds are held by Metropolitan Commercial Bank, member FDIC

  • Visa® Prepaid Debit Card

  • Direct deposit up to $5,000 per deposit

  • Cash and check deposit and withdrawal at 38,000 ATMs in the MoneyPass network

  • Savings Jars to put money aside for future expenses and goals

  • No overdraft fees (unlike traditional banks, you can’t spend what you don’t have)

  • Transfer to friends and family in the U.S. for no extra cost

  • Mobile app to manage your money all in one place

More features, like bill pay and international remittances, are rolling out soon – keep checking back with us to learn more!
+ Who can open a BrightFi account?
You and her and him and them. Everyone is welcome at BrightFi. You just have to be at least 18 and need a Social Security Number, and be able to send us a picture of your U.S. government-issued ID (such as a U.S. driver’s license).
+ Is my money safe?
Yes! Your BrightFi account funds are held at Metropolitan Commercial Bank, member FDIC, and are insured up to $250,000. Our technology is best in class and we protect your account on a secure platform.
+ Can I write checks from my BrightFi account?
We have moved away from paper checks. You can make transactions almost anywhere in stores and online with your BrightFi Visa® prepaid debit card and mobile wallet. You can also pay bills using your card or by supplying your account & routing number. We’ll have a bill pay function rolling out soon as well!  
+ Can I have my paycheck directly deposited? How fast do I get my money?
Direct deposit is the ideal way to manage your money. Once you’ve signed into your account in the app, go to the main menu (swipe right, or click on the hamburger icon). You’ll see “Account Details” where your account number and routing number will be listed. Click the button that says “Direct Deposit Form”, and we’ll create a form you can either email or print out to give to your employer. If you have any issues, just contact our Virtual Branch staff and we’ll be happy to help. Your entire paycheck will be available immediately on your payday.
+ Can I deposit checks? How fast do I get my money?
Easily deposit checks at one of our 38,000 ATMs! You can also set up direct deposit with your employer and have your paycheck directly deposited into your account for immediate access. Check the ATM finder here, and look for a deposit-taking ATM near you.
+ Can I deposit cash?
Yes! Many of the ATMs in the MoneyPass network will accept cash deposits. Check the ATM finder here, and look for a deposit-taking ATM near you.
+ Can I withdraw cash?
Yes! You can withdraw cash at any MoneyPass ATM without additional fees (find one near you here). You can also withdraw cash without a fee at VISA Plus Alliance ATMs; find one here.
+ Is there overdraft protection?
At BrightFi, you spend what you have. We don’t charge overdraft fees because we don’t let you overspend. So no, we don’t offer overdraft protection because you won’t over spend. You can easily check your balance in the app before making a purchase.
+ I don’t have credit history. Can I still get an account?
Yes! We don’t run credit checks and you don’t need any prior credit history to join BrightFi. A BrightFi account will help you save time and keep more of your hard-earned money. You can manage and keep track of your money and work toward your financial goals.
+ I’m in the CHEX system. Can I still get an account?
Yes! We know how difficult it is to get a bank account once you’re in the CHEX system. We also know your past shouldn’t define your future. Our industry-leading verification tools mean we don’t have to rely on the CHEX system for the BrightFi account sign-up process.
+ How does BrightFi make money?
A BrightFi account costs a flat fee of $4.95 each month. That’s it. There are no hidden fees, no overdraft charges and we don’t try to sell you things you don’t need, like credit cards or loans. The account fee covers some of our operations. We also get a small percentage from the store when you use your card to make a purchase.
+ What are your fees?
One flat fee: $4.95 a month. That’s it! To see more about what’s included, checkout this list below.
Digital banking  tools (mobile & web)
View transaction history and balance anytime, anywhere
In-app product tutorials
Savings Jars
(open up to three)
$0 opening and minimum balance
No overdraft (spend only what you have!)
(no need to opt in)
Direct deposit
(we’ll walk you through the easy process)
ATMs to deposit and withdraw cash and checks
Included for the MoneyPass and Visa PLUS Alliance networks. Out-of-network ATMs may charge an additional fee; check with provider.
Visa® prepaid debit card
Replacement card
First one included
($10 each additional card)
Person to person transfers (U.S.)
Included; up to $4,000 in transfers per day; 8 external transfers per month; unlimited transfers to other BrightFi customers
Getting Started
+ Where do I start?
You’ll need three things:
  • Social Security Number

  • U.S. government-issued ID

  • A smartphone or computer with a camera to take your picture 

+ Why do you need to take my picture?
We do this to verify your identity, which protects you, too! Our sign-up system can quickly verify your identity with a photo of your U.S. government-issued ID and a selfie taken when you apply. It’s faster and easier than walking into a bank and opening an account.
+ How long does it take to get an account?  
As long as you have these two items handy, it should only take a few minutes:
  • Social Security Number

  • U.S.government-issued ID

Once you’re in, you’re in! You’ll immediately get your account number, can set up direct deposit, fund your account with a mobile check deposit or cash deposit at one of our 38,000 network ATMs. Once you fund your account, you can immediately start transacting online.
+ When will you charge me the $4.95 fee?  
We will charge you the monthly fee 30 days after you fund the account, and then every 30 days after that.
+ What if there’s not enough money in my account for the monthly fee?  
We get it – sometimes there’s a bit of a lag in when you need money versus when you have money. Provided you have some funds in your account, we will charge the $4.95 fee. If that leaves your account at a negative balance, we’ll just consider it suspended until you’re able to deposit more funds. We will never charge you a fee if your account is already negative.
Account Help
+ What if I forget my username and/or password?
Go to your BrightFi app and tap on “Forgot Username/Password?” Enter the last six digits of your Social Security Number or card number, as well as your mobile number. Take a selfie to re-verify your identity and now you can view your username and password and change them if you choose. Remember, your username is your mobile number you used to sign up for the account.
+ Can I use BrightFi outside of the U.S.?
Yes! You can use your BrifghtFi card outside of the U.S. Please note that almost all international ATMs charge fees as well as a currency conversion. Your account records will reflect the U.S. dollar equivalent of your foreign ATM withdrawal.
+ Is there a limit on how much money I can deposit, withdraw and send?
Yes, there are a few limits to keep in mind. Federal regulations require transaction limits to protect you against fraud. Here is the full list of our limits:
Direct deposit
$5,000 per deposit
Check deposit (via ATM)
Maximum of $500 per day
Maximum of $5,000 per month (30-day rolling basis)
Maximum of 1 per week
Cash deposit (via ATM)
Maximum of $500 per day
Maximum of $5,000 per month (30-day rolling basis)
Maximum of 1 per week
Point of sale purchases
(for example, swiping your card in a store)
$5,000 per transaction
Limit of 10 per day
Send money to people in the U.S.
Limit of $4,000 per day
Cash Withdrawal (ATM)
Up to $200 per day
Up to $200 per withdrawal
Up to 5 withdrawals per day
Maximum of $5,000 per month (30-day rolling basis)
+ What if I lose my card?
Don’t worry! In the app, put a temporary hold on your card and if you do need to replace it, call our virtual branch staff at 1-888-627-5407. Your first replacement card is included in your subscription. After that, they will cost $10 each.
Don’t worry! In the app, put a temporary hold on your card and if you do need to replace it, call our virtual branch staff at 1-888-627-5407. Your first replacement card is included in your subscription. After that, they will cost $10 each.
+ My mobile phone was lost/stolen, can I access my money?  
Yes, you can still use your card at stores, online and ATMs. You can also access your account from any device with an internet connection by logging into your account. You may wish to lock your card until you can replace the phone. Once you re-install the BrightFi app on a new phone and sign in, you’ll need to re-verify your identity. If you have any trouble, call our virtual branch staff at 1-888-627-5407 for help.
+ How do I cancel my account?
We’re sorry to see you go! But if you want to cancel your subscription and close your account all you need to do is call our Virtual Branch staff at 1-888-627-5407.

Once you've contacted our Virtual Branch staff they will let you know what happens next. If you have money remaining in your account, we can mail a check for the amount within 30 days. You will also be reminded to turn off your direct deposits into the account and to cancel all the bills or payments that are automatically withdrawn from your account like Netflix or your utility company. Following that, we'll close your account.