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Mobile Access, Identity and Security

How do I download the BrioDirect Mobile App?

Go to your app store of choice and search ‘BrioDirect’. Then select ‘Get’ or ‘Download’.

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What username and password do I use to access BrioDirect Mobile?

Use your username and password you set up during your BrioDirect online account opening process.

How do I enroll in BrioDirect Mobile?

If you did not complete the online and mobile banking enrollment process when you opened your BrioDirect account, you can click here to complete the set up process now. Or download the BrioDirect mobile app and select ‘Need a login’.

What if I forgot my Username or Password?

Click the forgot username/password links in the BrioDirect mobile app. You will be asked to answer security questions and/or verify your email and other information in order to verify your identity.

How do I change my personal Profile Information such as Name, Address?

Please call 877-369-BRIO for assistance with this request.

How do I enable biometrics (fingerprint/face ID) in the BrioDirect mobile app?

To enable biometrics the first time you use the app, enter your password and then click ‘Enable Face ID’ or ‘Enable Fingerprint’ on the app log in page. Then simply click the face or fingerprint icon the next time you sign in.

Is my BrioDirect App secure?

Your accounts are protected from unauthorized access via multiple layers of protection including password requirements, face ID, One Time Password and security questions.

What is multi-factor authentication?

It’s a feature that allows us to verify your identity in a more secure way via receiving a one-time passcode, answering security questions or receiving a phone call with a code.

What devices are supported for the BrioDirect Mobile App?

Android devices running Lollipop 5.0 and newer. iOS devices running iOS 11 or newer. iPadOS devices running 13.1 or newer.

Transactions & Balance

What is the difference between the Current balance and Available balance for my deposit accounts?

The current balance is the total amount of funds in your account. The available balance is the current balance less any outstanding holds or debits that have not yet been posted to your account.

How much transaction history is available with Online and Mobile banking?

You will be able to see a minimum of 90 days of transaction history via online and mobile banking.

Can I categorize transactions?

Yes! You have the ability to categorize and sub-categorize your transactions. Although we’ll provide you with a standard set of categories, you will also have the ability to create custom categories so that you can track and sort your transactions in the way that works best for you. Simply click on the transaction and then select the category that best applies.

Mobile Deposit

How do I make a mobile deposit?

Once you’ve logged into the BrioDirect Mobile App, simply click on the Deposit icon on the bottom menu bar. You will be asked to enter in the amount of the deposit, and then take a picture of the front and back of your check. It’s as easy as that!

What are some best practices for using mobile deposit within my BrioDirect mobile app?

For best results, place the check against a dark colored yet well-lit surface. Position the camera directly above the check but slightly outside the 4 corners and the camera will automatically take the picture.

How do I check the status of a mobile deposit?

Log into the BrioDirect Mobile App, click on the Deposit icon on the bottom menu bar to view a list of deposits you’ve made. You can click on each to see the status of the deposit.

When will my mobile deposit be available?

Funds are generally available 1 – 3 business days after receipt. In some circumstances, your funds may take longer than 3 days to clear and may be held pursuant to our check hold policy.

What is the cut-off time to submit deposits?

The cut-off time for submitting checks is 7:00 p.m. Eastern Time each business day. Checks submitted after 7:00 p.m. ET or on weekends or holidays will be processed as if they were submitted on the next business day. A business day is Monday through Friday, excluding bank holidays.

Can I deposit checks into both Checking and Saving accounts?

Yes, checks can be deposited into any Savings or Checking account.

How do I endorse my check?

Please ensure your check is endorsed on the back and includes “For Mobile Deposit at BrioDirect only” under the endorsement.

What do I do with the check(s) after I’ve made my mobile deposit?

Please keep a copy of your check for 14 days after deposit.

Can I deposit the same check at any other Financial Institution?

Check(s) cannot be redeposited at Sterling National Bank or any other financial institution once it has been endorsed and deposited via BrioDirect.

Mobile App Features

How do I aggregate my accounts from other Financial Institutions?

Adding accounts you have with other financial institutions into your new BrioDirect Mobile app is easy and helpful! Once you log into the app, click on Accounts, and then click on +Connect at the top right of the screen. From there you will be taken through an easy process to connect your non-Brio accounts into this incredible new app experience.

How do I create, or make changes to alerts for my accounts?

Sign in, go to Menu–>Notifications and select the Alerts you wish to receive.

Does the app help track my spending?

Yes! You will see a breakdown of your spending and income by key categories, can chose which time periods you want to view this information (this month, last month last 90 days, year to date, etc.). If you want to change how your transactions are categorized simply tap the transaction to recategorize.

Can I set budgets to help me stay on top of my finances?

Yes! The app automatically creates budgets for you based on your last 90 days of transaction activity. To change your budget just tap on it and edit the amount.

Does the app provide insights into my finances?

Yes! From the home screen, click on ‘Insights’ and you will see a ongoing feed of insights personalized to your account activity including changes in spending habits from one month to the next, notifications of subscriptions coming due, alerts to large purchases and bill payments due.

Can I set up Alerts/Notifications to go to multiple email addresses or phone numbers?

Yes! You can customize each alert to be delivered when, where and how you chose. Go to Menu–>Notifications–>Select Edit to change your preferences.

Account Opening & Maintenance

Is opening a BrioDirect account simple?

Yes! You can complete a BrioDirect account application online in minutes.

What do I need to open my account?

You just need your contact information, driver’s license, passport or state I.D. and Social Security number.

How do I make my initial deposit?

The easiest way is through an automated clearinghouse (ACH) payment from an existing checking or savings account. You can also fund via Check or Wire, click here to learn more.

Have a question about how ACH works? Please call 877-369-BRIO and speak to a client service representative.

Why should I choose a BrioDirect high-yield money market?

You’ll get a no-fee Money Market account with a tiered structure that rewards you for higher balances.

Why should I choose a BrioDirect checking account?

It’s the easy way to earn interest while enjoying all the conveniences you want in a checking account, plus a tiered structure that rewards you for higher checking balances.

Why should I choose a BrioDirect high-yield savings account?

We offer great rates, as well as convenient access and FDIC insurance so you can be confident your money is working hard—simply and securely.

Why should I choose a BrioDirect high-yield CD?

We offer great rates, which can make a BrioDirect CD an excellent way to achieve your savings goals.

Is my money safe and secure with BrioDirect?

BrioDirect is the online brand of Sterling National Bank. Founded in 1888, Sterling is rated one of “America’s 100 Best Banks” by Forbes and an FDIC insured institution. Your deposit account is provided by Sterling National Bank, and you will be a Sterling National Bank client when you open your account.

Are my deposits FDIC insured?

Yes, your deposits are FDIC insured by Sterling National Bank in accordance with FDIC standards. You can visit www.FDIC.gov for more information.

I already have a deposit account with Sterling National Bank. How does this impact my FDIC insurance coverage?

Accounts that are opened via briodirectbanking.com and marketed by BrioDirect are Sterling National Bank accounts. Deposits in these accounts are made with Sterling National Bank. For purposes of determining how much FDIC insurance is applicable to your accounts, you need to consider not only the BrioDirect online savings or CD accounts that you maintain, but also all other accounts you maintain at Sterling National Bank. If you have a question about your FDIC insurance coverage, please call 877-369-BRIO and speak to a client service representative.

How do I manage my account?

We offer online banking and mobile banking so you can manage your BrioDirect account anytime from virtually anywhere. You also can easily track your transactions via complimentary e-statements. (There is a $5 fee for paper statements, however.)

How do I transfer money into, or out of, my BrioDirect online savings account?

You can transfer funds between your BrioDirect savings account and another bank using our External Transfers feature, or call 877-369-BRIO and one of our knowledgeable client service representatives will be happy to assist you.

What are the external transfer limits

Standard outbound limits: Clients are eligible for standard outbound transfers up to $75,000 that are completed within 3 business days (provided that funds are available). These transfers must be submitted by 10PM ET/1AM PT for current day processing. Transfers submitted after this time are processed on the following business day. For standard outbound transfers, the client must wait until an outstanding transfer(s) that exceeds $75,000 has settled before another transfer can be made and the monthly limit on outbound transactions is $250,000. You may be eligible to transfer additional amounts in excess of these limits by calling our contact center at 877-369-BRIO.

Note: There may be additional limits for security reasons on the frequency and dollar amount of transfers you can make. For transfers to an account held at another financial institution, the name on the recipient’s account must match the name on your savings account. In the event that we determine that there are risks associated with a transfer we may delay or cancel the transfer and notify you, or direct you to contact us to provide additional information. Transfer limitations may be modified by Sterling National Bank at any time without notice.

Does the High-Yield Online Savings Account have fees?

The account has no monthly fee.

Is there a penalty if I take my money out of a CD?

Yes, if you take money out of a CD before the end of its term, you will be subject to an early withdrawal penalty. Please view product disclosures for details.

Rates

What are fixed rate products?

Fixed rate products allow clients to lock in a particular rate upon opening the account, for a set amount of time. BrioDirect High-Yield CDs are fixed-rate products. Early withdrawal penalties apply. We have many terms available! Pick a term that works best for your savings goals. View Terms

How is it decided if the rate goes up or down?

We regularly monitor market conditions. We take many factors into consideration, including but not limited to, current market conditions and the federal funds rate.

How does the Federal Funds Rate impact BrioDirect’s rate?

We consider changes to the federal funds rate when determining the rates we offer. Rates everywhere may be impacted when the federal funds rate changes.

Does the rate on the High-Yield Online Savings Account change?

Yes, this is a variable-rate product, which means the rate on this account can move either up or down. Rates and APYs are subject to change without notice. However, we strive to provide our client with competitive rates!

All deposit products are provided by Sterling National Bank, an insured FDIC institution. BrioDirect is a sub-brand of Sterling National Bank. Sterling National Bank operates under the trade name BrioDirect. This trade name is used by, and refers to, Sterling National Bank, a single FDIC-insured bank.

Accounts that are opened via www.briodirectbanking.com and marketed by BrioDirect are Sterling National Bank accounts. Deposits in these accounts are made with Sterling National Bank. For purposes of determining how much FDIC insurance is applicable to your accounts, you need to consider not only the BrioDirect online savings or CD accounts that you maintain, but also all other accounts you maintain at Sterling National Bank.