Frequently Asked Questions

In online banking, you are able to do an external transfer of $5,000 monthly.

No, you’re able to link Brilliant to the external institution's online portal and initiate it from their side.

It is a daily $2,000.00 balance requirement, or a $10 service charge is assessed at the end of the month.

You’re able to withdraw the certificate by transferring it to a Brilliant Money Market, getting a cashier’s check mailed to the address on file, or doing a wire transfer for $20. An early withdrawal penalty may apply, see your account disclosure for details.

Yes, you can do wire transfer. For domestic wire, it is a $20 outgoing fee, $10 incoming. If it is international, it’s a flat fee of $50 incoming and outgoing.

Interest is accrued daily, compounded monthly. We use the average daily balance method to calculate interest for the account.

You can do 6 free withdrawals per month, after that, they are $1 per withdrawal.

Yes, we do offer checks and a debit card on our Surge Money Market, both on request. Please keep in mind that the product does limit withdrawals to 6 per month, after that, they are $1.

We offer personal money market and CD accounts. We do not offer business or trust accounts.

Our CD accounts are traditional CDs, meaning you are only able to withdraw the funds from them once they mature. You can withdraw early with the penalty being half the interest you would have earned.

The rate is what you earn on the principal amount. The APY is what you earn on the principal amount and interest.