Introducing a brighter approach to money

Brighter Savings from LightStream has the features you need to help you save more so you and your family can live the life you deserve.

World-class customer serviceCompetitive rates    FDIC insured (Truist Bank, Member FDIC) Unlimited number of transactionsRigorous security standardsNo fees or penaltiesPurpose-specific saving


Calculator is for illustrative purposes only. The APY of Brighter Savings is variable. Calculations based on an APY of .  Calculations are based on a starting balance assumed to be made on the first day of the first month, with a specific monthly contribution assumed to be made on the last day of each month, without making any withdrawals.Calculate how much you can saveWith Brighter Savings, you'll be surprised how quickly your savings add up.
Yes. Because LightStream is part of Truist Bank, deposits in checking and savings accounts are insured up to $250,0000 per depositor across all Truist Bank Accounts, including LightStream accounts. Is my account protected by FDIC insurance?No, we think it's something better. It's a demand deposit account, which means you can always withdraw your money without advance notice. Most people don't realize that many typical savings accounts give a bank the right to hold your money for up to seven days. With Brighter Savings, you have access to your money when you need it. Is Brighter Savings a typical savings account?No minimum deposit is required to get started. However, you must put money in the account within 60 days or it will be closed.Is there a minimum amount I need to get started with Brighter Savings?Brighter Savings has a variable rate, which means it is subject to change at any time without notice.Will my Brighter Savings interest rate stay the same forever?Brighter Savings is only available to U.S. citizens of the fifty states and the District of Columbia.Is Brighter Savings available to people who are not residents of the United States?Email us at We will respond promptly during our normal business hours, Monday through Friday, 10:00 a.m. to 7:00 p.m., Eastern time. If I have a question about my Brighter Savings, how can I get help?Never. There are no fees if you fall below a minimum balance, no monthly maintenance fees and no overdraft fees. Brighter Savings is designed to help you reach your goals, not to nickel-and-dime you at every turn.Does Brighter Savings charge any fees?No. Transfer money as many times as you like. We're here to make life easier for you, not to set arbitrary limits that make it more difficult. Is there a limit to the number of transfers I can make from Brighter Savings every month?We take a rigorous approach to information security that includes transaction monitoring and much more. You can rest assured that the protection of your personal information is something we take very seriously.Can I have confidence in the security measures LightStream uses to protect my information?No. Applying for Brighter Savings will not affect your credit in any way. Any personal information you provide will be used to prevent fraud and will have no impact on your FICO score.Will applying for Brighter Savings affect my credit score?You'll need to provide your full name, U.S. physical address, date of birth, Social Security number, phone number, email address and possibly a copy of your government-issued identification or a utility bill. Federal law requires us to collect information to verify the identity of each customer. This information helps us fight fraud, maintain the security of your data and ensure that we're legally allowed to provide you with financial services. What information do I need to provide to apply for Brighter Savings?

A smart new way to help you achieve your financial goals

 APYBrighter SavingsExclusively for select LightStream customers

Annual Percentage Yield (APY) is accurate as of  but may change at any time, including after the account is opened. No minimum balance to open the account, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0.01.


LightStream is a part of Truist Bank. Deposits in checking & savings accounts are insured up to $250,000 per depositor across all Truist Bank accounts, including LightStream, for each account ownership category under the FDIC's general deposit insurance rules.


Business Hours (Eastern time)

Monday - Friday: 10 a.m. to 7 p.m. 

Mailing Address
PO Box 117320
Atlanta, GA  30368-7320

Banking and lending products and services are
provided by LightStream, a division of Truist Bank,
Member FDIC and Equal Housing Lender E H L.

© 2023 Truist Financial Corporation. Truist, LightStream,
and the LightStream logo are service marks of
Truist Financial Corporation.




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