Cardholder Agreement

We want you to know how we manage your information including privacy, cookies and data collection.

We respect your privacy and, for that reason, we have adopted this Privacy Policy to explain our data collection, use, and disclosure practices for the BrightFi Services website (the "Site") and services (including mobile and web-based applications, and any other  tools, products, or services provided by BrightFi LLC that link to or reference this Privacy Policy) (collectively, the “Services”).

This Privacy Policy applies to information BrightFi Services collects through the Services, as well as other information provided to us online or offline by third parties, when we associate that information with customers or users of the Services.  It does not apply  to information that you share with third parties or is collected by third parties through the Services (such as web traffic analytics tools).  You acknowledge and agree that BrightFi Services is not responsible for the data collection or use practices of any other  Services user or third party utilized in providing the Services.

Your Consent
By accessing or using the Services, you consent to this Privacy Policy.  If you do not agree with this Privacy Policy, please do not access or use the Services.  Information gathered through the Services may be transferred, used, and stored in the United States  or in other countries where our service providers or we are located.  If you use the Services, you agree to the transfer, use, and storage of your Personal Information (as defined below) in those countries. The data protection and other laws of the United  States and other countries might not be as comprehensive as those in your country. You agree that all transactions relating to the Services or BrightFi Services are deemed to occur in the United States, where our servers are located.

Collection of Your Personal and Other Information
When you register for, or use our Services, we collect Personal Information.  By “Personal Information” we mean information that can identify an individual, such as:

- Names;
- Personal or business addresses;
- Email addresses;
- Phone numbers;
- Unique identifiers (arbitrary codes or series of characters we create or are provided from a third party to identify unique users or devices) that are connected or may reasonably be connected to your identity.

We also collect non-Personal Information relating to the Services, that is, information that does not personally identify an individual.  

The non-Personal Information we collect includes how you interact with the Services, information generally collected or  “logged” by Internet websites or Internet services when accessed or used by users, and information about your web browser or device accessing or using the Services. We will not use non-Personal Information to try to identify you, and if we associate any non-Personal Information with information that personally identifies you, then we will treat it as Personal Information. As discussed in more detail below, we sometimes  use cookies and other automatic information gathering technologies to gather non-Personal Information.Information collected by the Services may be collected by us or one of our service providers acting on our behalf, but in either case, this Privacy Policy will govern the collection, use, and sharing of the information.

Information Use
We do not sell, rent or exchange your personally identifiable information to any outside party, for any reason, at any time. Any of the information BrightFi Services collects from you may be used or disclosed in one of the following  ways:

- To facilitate customer service interactions
- To process transactions
- To improve customer experience
- For market research, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity
- To third-party contractors that provide services to BrightFi Services and are bound by these same privacy restrictions
- To enforce BrightFi Services’ Terms of Service
- As otherwise set forth in this Privacy and Security Policy

The email address you provide for receiving additional information will only be used to send you information and updates pertaining to BrightFi Services, unless you decide to opt-in to the BrightFi Services email lists.

If you opt-in, BrightFi Services may use this information to notify you of any company updates. If you don’t wish to receive these newsletters or updates then you may unsubscribe.

We do not intentionally collect personally identifiable information from children under the age of thirteen. If we become aware that we have collected personally identifiable information from a user of the Site who is under the age of thirteen, we will remove that child’s personal information from our files.

Google Analytics
BrightFi Services uses Google Analytics, and it may record visits to this Site, what website you came from to get here, how long you stay for, what kind of computer you’re using, and other simple pieces of information about your  visit to the Site.

To opt out of Google Analytics reporting on any site, install the browser add-on available from Google here.

BrightFi Services may access data from Google's Interest-based advertising or 3rd-party audience data (such as age, gender, and interests) with Google Analytics. To opt out of demographic and interest-based information in the Google  network, use Google's Ad Settings page here.

Your Information Security is Important
BrightFi Services offers the use of a secure server. All supplied sensitive information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our provider’s database only to be accessible by those authorized with special  access rights to such systems. All parties are required to keep the information confidential.

BrightFi Services may anonymously track your browsing activity for advertising and data collection purposes.  BrightFi Services and third-party vendors use first-party cookies or other first-party identifiers.  

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could  affect the availability and functionality of our Services.

Sharing of Information
As mentioned above, BrightFi Services does not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted  third parties who assist BrightFi Services in operating its website, conducting its business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your  information when it believes release is appropriate to comply with the law, enforce this Site’s policies, or protect BrightFi Services’ or others rights, property, or safety. However, non-personally identifiable  visitor information may be provided to other parties for marketing, advertising, or other uses.

Contests, Surveys and Promotions Fall Under This Policy Too
From time to time, BrightFi Services may offer you the opportunity to participate in contests, giveaways and other promotions. Any information submitted in connection with such activities will be treated in accordance with this  Privacy and Security Policy, except as specifically set forth in the rules for those contests, giveaways or promotions. From time to time, BrightFi Services may also ask you to participate in surveys designed to help us improve the Site. Any personal information provided to BrightFi Services in connection with any survey will be used only in relation to that survey and as elsewhere set forth in this Policy.

Your California Privacy Rights
Because BrightFi Services values your privacy it has taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. BrightFi Services therefore will not distribute your personal information to outside parties without your consent.

Privacy Changes
BrightFi Services reserves the right to change the content of this Privacy Policy from time to time, and such changes will become effective immediately. We will always post our most current Privacy Policy at our web site, and we suggest that you periodically consult it, or contact us at should you have any concerns.




Financial companies  choose how they share your personal information. Federal law gives consumers  the right to limit some but not all sharing.   Federal law also requires us to tell you how we collect, share, and  protect your personal information.   Please read this notice carefully to understand what we do.


The types of  personal information we collect and share depend on the product or service  you have with us. This information can include:

  • Identification Information

  • Account Balances

  • Transaction History

  • Account Transactions

  • Checking Account Information

  • WireTransfer Instructions

When you are no longer our customer, we continue to share your information as described in this notice.


All financial companies need to share customers' personal information to run their everyday  business. In the section below, we list the reasons financial companies can  share their customers' personal information; the reasons Metropolitan  Commercial Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information
Does Metropolitan Commercial Bank share?
Can you limit this sharing?

For our everyday business purposes such as to process your transactions,  maintain your account(s), respond to court orders and legal investigations,  or report to credit bureaus



For our marketing purposes to offer our products and services to you


We don't share

For joint marketing with other financial companies


We don't share

For our affiliates' everyday business purposes information about  your transactions and experiences


We don't share

For our affiliates' everyday business purposes information about  your creditworthiness


We don't share

For our affiliates to market to you


We don't share

For non-affiliates to market to you


We don't share

What we do

How does Karrikin protect my personal information?

To protect your  personal information from unauthorized access and use, we use security  measures that comply with federal law. These measures include encryption, computer  security protocols and secured files and buildings. We also maintain other  physical, electronic and procedural safeguards to protect this information  and we limit access to information to those employees for whom access is  appropriate.

How does Karrikin collect my personal information?

We collect  your personal information, for example, when you

  • Open an account

  • Show your driver’s license/identification

  • Provide account information

  • Conduct transactions using the account

We also  collect your personal information from others, such as credit bureaus,  affiliates or other companies

Why can't I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates' everyday business purposes - information about your credit worthiness

  • Affiliates from using your information to market to you

  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.BrightFi only shares your personal information in connection with providing your services, which is why you cannot limit it.



Companies related by common ownership or control. They can be financial and non-financial companies.  Karrikin does not share with our affiliates so they can market to you.


Companies not  related by common ownership or control. They can be financial and  non-financial companies. Karrikin does not share with non-affiliates so  they can market to you.

Joint Marketing

A formal  agreement between non-affiliated financial companies that together market  financial products or services to you. Karrikin does not share your  personal information for joint marketing with non-affiliated companies.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non affiliates either for them to market to you or for joint marketing – without your authorization.

For California Customers. We will not share personal information with non affiliates either for them to market to you or for joint marketing – without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non affiliates either for them to market to you or for joint marketing – without your authorization.

For Texas Customers. If you have a complaint, first contact the customer service division of BrightFi at [insert number]. If you still have an unresolved complaint regarding the company’s money transmission activity, please direct your complaint to Texas Department of Banking, 2601 North LamarBoulevard, Austin, Texas 78705, 1-877-276-5554 (toll free),

For VermontCustomers. We will not share personal information with non affiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.

All Fees

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Card activation fee



Account registration fee



Monthly Usage

Monthly fee


Fee is charged 30 days  after you fund the account. Fee will not be charged if account is negative.  Account will be suspended if fee is not timely paid, and reactivated upon  payment.