Brio Direct, a division of Sterling National Bank:
Online Certificate of Deposit - 0.45% APY

• Must deposit at least $500 to open this account.
• Interest will be compounded on a daily basis and interest will be credited to your account every 3 months.
• Penalty will be 90 days interest, whether or not earned.

Fee and Feature Guide

Certificate of Deposit
Interest Rate
APY 0.45%
Term Length 12 Month
Minimum deposit amount $500.00
Maximum deposit amount N/A
Balance Requirements
Minimum Opening Deposit $500.00
Minimum Balance to Avoid Fees $0.00
Minimum Required Balance $0.00
Early withdrawal penalty 90 days of interest
Monthly Maintenance Fee N/A
Foreign ATM Fees N/A
Insufficient Funds Fee $35.00
Incoming Wires N/A
Paper Statements Yes
Online Statements Yes
Online and Telephone Banking
Online Banking Yes
Telephone Banking Yes
Mobile Banking Yes
Deposit Checks with Mobile Device Yes
Free Bill Pay Yes
Online Bill Payments Required Yes
Account Opening
Open Online Yes
Insured by F.D.I.C.

Customer Reviews for Brio Direct, a division of Sterling National Bank (40)

  • August 12, 2021 | | Replies 1

    Went through all the online questions. It turned down my app to open a svgs account. Called to ask why? They couldn't say, just said apply from a different computer. I did re-apply, to another bank, all good. Brio- a waste of time.

    BrioDirect | Oct 21, 2021

    If you are willing to give us another chance, please contact us at so we can understand your situation better in order to try and turn your experience around. Please do not share account or SSN numbers in this communication. Thank you.

  • June 15, 2021 |

    I saw the bad reviews here and elsewhere but I need to say that I opened account 3 mos ago and find Brio to be at the same level as any of these.

  • June 13, 2021 |

    Opened acct here only to see the rate fall by the time it was eventually funded. Will close now

  • May 5, 2021

    Sterling Bank is the NY bank that overinflated NY taxi medallions just before Uber showed up and forced new immigrants into mortgaging everything in order to buy these. Beyond the ethical issues (many drivers committed suicide as a result), this bank could be facing legal action in New York and elsewhere and I would be cautious about depositing money here.

  • March 31, 2021 | | Replies 1

    It took 7 days to perform an ACH transfer. Even worse than Synchrony and Interactive Brokers which are both known con jobs. Closed account. Done.

    BrioDirect | Oct 21, 2021

    Dear Jo, If you are willing to give us another chance, please reach out to us at to speak to our manager directly. Please do not share account or SSN numbers in this communication.

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