BrightFi Funds Availability Policy

Last updated November 2021

Determining the Availability of a Deposit

The number of days for your deposit to become available is counted in business days from the day of your deposit. Our business days are Monday through Friday, excluding bank holidays. The business day is from 9:00 a.m. to 5:00 pm, MST. Deposits made after 2 p.m. MST. Deposits made after 2 p.m. MST or on a Saturday, Sunday, or bank holiday, are considered received as  of the next business day. After the times indicated above or on a day we are not open, we will consider that your deposit was made on the next business day we are open.  

The length of the delay varies depending on the type of deposit, as explained in the “Funds Availability Chart” on the next page.

Same Day Availability

Funds from electronic deposits to your account, including direct deposits and ACH transfers received, will be available on the day we receive the deposit.

Next Day Availability

U.S. Treasury Checks that are payable to you will be available the next business day after the banking day on which funds are deposited.

Wire Transfers will be available the next business day after the banking day on which funds are deposited.

Funds Availability for All Other Checks  

You can deposit a check to your BrightFi account is to use our in-app mobile deposit feature. When you do, we will make the first $225 available the next business day after the banking day on which funds are deposited, and remaining funds will be available no later than the second business day after the banking day on which the funds are deposited.  

Longer Delays May Apply

Funds you deposit by check may be delayed for longer periods under the following circumstances:  

We will notify you if we delay your ability to withdraw funds for any of these reasons. Funds will generally be available no later than the fifth business day after the day they would normally become available.

It is BrightFi’s practice, based on the policy of its Partner Bank Sterling National Bank, to delay the availability of funds that you deposit into your account. During the delay, you may not withdraw funds in cash and we will not use the funds to issue payments. The length of delay varies depending on the type of deposit, as explained below:

Type of Deposit
Day of Deposit
Next Business Day after Day of Deposit
Second Business Day after Day of Deposit
Electronic Deposits including Direct Deposits and Electronic Transfers
Entire deposit amount available  
Check drawn on the U.S. Treasury  
Entire deposit amount available  
Check deposited via mobile deposit
$225 available
Balance of deposit amount available
BrightFi is a financial technology company, not a bank. Banking services provided by Sterling National Bank; Member FDIC
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