FAQs

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

What is BrightFi?

BrightFi is a financial technology company, not a bank. Banking services are provided by Sterling National Bank; Member FDIC. BrightFi's mobile banking app allows you to take control of your finances and keep more of your hard-earned money, without any hidden fees or surprises.

With a BrightFi account, you get:

  • A deposit account held by Sterling National Bank; Member FDIC and FDIC insured for up to $250,000
  • Mastercard Debit Card
  • Direct deposit
  • Mobile check deposit
  • Cash withdrawal at 38,000 ATMs in the MoneyPass network
  • Savings Jars to put money aside for future expenses and goals
  • In-app Bill Pay via ACH or check
  • 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 are rolling out soon – keep checking back with us to learn more!

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.