Our take: BrioDirect is a one-product bank. (It offers only a high-yield savings account.) It’s best for savers who value high returns over bells and whistles. With BrioDirect’s HYSA, you’ll earn one of the best APYs available with no monthly fees. But you’ll need $5,000 to open and can only move money online. If you’re fine with all of that, it’s a simple way to make your savings actually work for you. If not, check out our list of the best high-yield savings accounts.
High-Yield Savings Account
- Has one of the highest-earning savings accounts available
- No monthly fees
- Easy to open online
- Only has one product (a HYSA)
- You need at least $5,000 to bank with BrioDirect
- Must manage account through parent company’s mobile app
| Type of bank | Online-only (no physical branches) |
| Products | High-yield savings account |
| FDIC insurance | Yes, up to $250,000 per depositor |
| Minimum deposit | $5,000 to open; $25 to earn interest |
| Mobile app | Webster Bank Mobile App |
| BBB rating | B- (not accredited) |
Our take: Is BrioDirect a good bank?
BrioDirect earns 4.2 out of 5 stars from LendEDU and our Best High-APY Savings designation for one simple reason: It pays an excellent rate without burying you in fees. The 4.20% APY keeps pace with top competitors, and your money’s FDIC-insured through its parent company, Webster Bank N.A.
That said, BrioDirect is a single-product bank. There’s no checking account, CDs, or credit cards. Just one droolworthy high-yield savings account.
Table of Contents
For a personalized projection, check out our High-Yield Savings Account (HYSA) Calculator.
BrioDirect mobile app
BrioDirect doesn’t have its own app. Instead, customers use the Webster Bank Mobile App, since Brio is powered by Webster Bank.
The app earns 4.7/5 stars on the Apple App Store and 4.3/5 stars on Google Play (in October 2025).
Inside the app, you can:
- Check your balance
- Remote-deposit checks
- Transfer money between accounts or to another bank
Is BrioDirect safe and legit?
Yes, BrioDirect is a safe and legitimate place to bank. Its parent company (Webster Bank N.A.) is a well-established FDIC-insured institution that’s been around since 1935.
Similar to other major banks, your balance is protected up to $250,000 per depositor, per ownership category. Plus, Webster Bank uses encryption and multi-factor authentication to keep your account secure.
BrioDirect customer reviews and ratings
If you’re considering opening an account, you might wonder how BrioDirect reviews stack up. Here’s a rundown.
| Source | Customer rating | Number of reviews |
| Better Business Bureau (BBB) | 1.0/5 | 39 |
| Google Play (Webster Bank App) | 4.3/5 | 3.14K |
| Apple App Store (Webster Bank App) | 4.7/5 | 19.1K |
Customer reviews for BrioDirect are a bit mixed, which may have you on the fence. But here’s some context.
Its parent company, Webster Bank, has a few BBB complaints (mostly about slow service). But that’s a tiny fraction of its customer base.
Meanwhile, the Webster Bank Mobile App, which Brio users rely on, gets high marks in the app stores. Most reviews call it “easy,” “fast,” and “reliable,” which matches what you can expect day to day.
How to open a BrioDirect account
You can open a BrioDirect High-Yield Savings Account using these steps:
- Go to BrioDirectBanking.com and select “Apply Now.”
- Gather your info. You’ll need a valid photo ID (driver’s license, passport, or state ID), your Social Security number, and basic contact details.
- Make your opening deposit. The minimum is $5,000, which you can fund via ACH transfer, check, or wire.
- Maintain at least $25 in your account to keep earning the advertised APY.
- Once approved, download the Webster Bank Mobile App to manage your account on the go.
How to contact BrioDirect customer service
If you need help with your BrioDirect account, you can contact customer service by calling 877-369-2746 any weekday from 8 a.m. to 8 p.m. Eastern and Saturdays from 8:30 a.m. to 3 p.m.
A quick note on our experience: We called customer service while writing this BrioDirect review and were pleasantly surprised. Someone answered immediately, and our questions were handled in less than two minutes.
BrioDirect alternatives
BrioDirect offers one of the best savings rates you’ll find right now, but here’s how it compares to several of our team’s other picks for the best savings accounts.
- Up to $400 Bonus Tiered Disclosure
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/
- APY disclosures
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 9/3/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
- Fee Policy
We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
- Additional FDIC Insurance
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
- ATM Access
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.
- Early Access to Direct Deposit Funds
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
- Overdraft Coverage
Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
- 0.90% Savings APY Boost
Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 09/03/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#4. SoFi Bank, N.A. Member FDIC.
- Earn up to 4.00 APY8
- Limited Time Offer: +0.90% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts. Terms apply.⁸
- $0 minimum balance to earn APY
- Earn $50 or $400 when you sign up and set up eligible direct deposit1
- Open Checking & Savings Accounts with 1 Sign Up
- Up to 2-Day-Early Paycheck3
- FDIC Insured up to $250k plus up to $3M in supplemental insurance4
Barclays Tiered Savings Annual Percentage Yields (APYs) are accurate as of 06/24/2026. Rates may change at any time without prior notice, before or after the account is opened. The same rate may apply to multiple Tiers and Tiers may change without notice. APY earned is based on the Tier in which your end of day account balance falls. Please see Barclays Tiered Savings for current Tier and APY information.
- Earn 3.65% APY* with Barclays1 Tiered Savings
- $0 min. balance to earn APY
- No monthly maintenance fees
- Easy direct deposits & online transfers
- Deposits are FDIC Insured
Advertised annual percentage yield (APY) is for new accounts only and is accurate as of June 16, 2026. APY tiers apply to the following balances:
- 4.01% APY on balances of $0.01 – $999.99
- 4.01% APY on balances of $1,000.00 – $49,999.99
- 4.01% APY on balances of $50,000.00 – $499,999.99
- 3.14% APY on balances of $500,000.00 – $999,999.99
- 3.14% APY on balances of $1,000,000.00 & Above
This is a variable-rate account, and APY is subject to change at any time without notice. Limit of one Envision High Yield Savings account per customer. Minimum amount to open is $100, with opening funds subject to a 5-business day hold. Fees may reduce earnings on account.
- Earn up to 4.01% APY
- No monthly maintenance fees
- Open an account with as little as $100
- Open an account in as little as 5 minutes
- Backed by the financial strength of Idaho First Bank
Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
Platinum Savings APY Boost Promotion Terms and Conditions
This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.
Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.
The Promotion begins on February 13, 2026, and ends August 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.
The promotion can end at any time without notice.
New CIT Bank Customers: This Platinum Savings APY Boost promotion offer is valid for New CIT Bank customers, who, at account opening, do not have a valid CIT Bank User ID (a “New Customer”) or any open CIT Bank accounts provided that the following requirements are met:
New customers must open a Platinum Savings account with a valid Promo Code, CITBoost. The Platinum Savings APY Boost Promo Code will appear on the online account opening enrollment web page.. The Promo Code must be used at the time of account opening. Accounts opened during the program period without the Promo Code are ineligible to receive the APY boost.
The enrolled Platinum Savings account must be open to receive the APY boost during the promotional period.
CIT Bank Customers with an account prior to the promotion: This Platinum Savings APY Boost promotion is valid for a Primary account owner with an existing account with a CIT Bank User ID before the start of the promotion, provided that the following requirements are met:
Customers without a Platinum Savings account open prior to the Promotion must open a new Platinum Savings account via the enrollment web page using Promo Code CITBoost.
Customers with a Platinum Savings account opened prior to the promotion may enroll their current Platinum Savings account into the Platinum Savings Boost promotion via the enrollment web page using Promo Code CITBoost.
Customers who are not the Primary account owner on a Platinum Savings account may open a new Platinum Savings account as the primary account owner via the enrollment web page using Promo Code CITBoost.
Accounts opened or enrolled during the program period without the Promo Code are ineligible to receive the APY boost.
There is a limit of one Platinum Savings APY Boost promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible.
There is no minimum account balance requirement to participate in the Platinum Savings APY Boost promotion.
Additional Important Terms
The Platinum Savings APY Boost promotion may not be combined with other promotions.
Customers are ineligible to participate in the Platinum Savings APY Boost promotion if:
They are earning an APY over the standard rate.
They participated in a cash bonus promotion in the past 6 months.
Custodial accounts and accounts in the name of a Trust are not eligible.
This offer is non-transferable.
The value of Platinum Saving Boost will be reported as interest income on IRS Form 1099-INT for the calendar year in which it was paid. The recipient is responsible for any applicable taxes.
- Earn 4.10% APY* with CIT’s Savings Connect Account
- $100 minimum balance for APY
- No account opening or monthly service fees
- Deposit checks online with the CIT Bank mobile app
- FDIC Insured
How we rated BrioDirect
We designed LendEDU’s editorial rating system to help readers find companies that offer the best bank accounts. Our system awards higher ratings to companies with affordable solutions, positive customer reviews, and online transparency of benefits and terms.
We compared BrioDirect to several banks, using hundreds of data points from company websites, public disclosures, customer reviews, and direct communication with company representatives. We weighted, scored, and combined each factor to produce a final editorial rating. This rating is expressed on a scale from 1 to 5, with 5 being the highest possible score. Our take is represented in our rating and best-for designation, recapped below.
| Company | Best for… | Rating (0-5) |
|---|---|---|
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Best High-APY Savings |
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Article sources
At LendEDU, our writers and editors rely on primary sources, such as government data and websites, industry reports and whitepapers, and interviews with experts and company representatives. We also reference reputable company websites and research from established publishers. This approach allows us to produce content that is accurate, unbiased, and supported by reliable evidence. Read more about our editorial standards.
- Better Business Bureau, Webster Financial Corporation
- Trustpilot, Webster Bank
- Federal Deposit Insurance Corporation, National Rates and Rate Caps
- Webster Bank, Webster Bank Celebrates 90th Anniversary
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About our contributors
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Written by Cassidy Horton, MBACassidy Horton is a finance writer passionate about helping people find financial freedom. With an MBA and a bachelor's in public relations, her work has been published more than 1,000 times online.
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Edited by Kristen Barrett, MATKristen Barrett is a managing editor at LendEDU. She lives in Cincinnati, Ohio, with her wife and their pack of senior rescue dogs. She has edited and written personal finance content since 2015.