HMBradley: Save, Spend, Borrow 4+

Rewarding Personal Finance

HM Bradley, Inc.

    • 3.6 • 109 Ratings
    • Free

iPhone Screenshots


HMBradley rewards you for how you spend and save - not by how many zeros are in your account. Start building the life you want with the financial platform designed to make personal finance truly rewarding.


1 According to the FDIC’s National Rates for Interest Checking Accounts

2 Customers with HMBradley Deposit Accounts opened with New York Community Bank (NYCB) are eligible to earn the following annual percentage yields (APYs) in accordance with the Deposit Account Agreement & Disclosures (

APYs accurate as of 10/12/2022:

2.00% APY: Customers who open an HMBradley Deposit Account with NYCB will earn 2.00% APY.

3.60% APY: Customers who make a qualifying direct deposit of at least $500 per month to their NYCB deposit account and also maintain positive monthly cash flow (meaning that monthly deposits exceed monthly withdrawals, not including HMBradley Credit Card payments) will earn 3.00% APY in the following month.

4.20% APY: Customers who make a qualifying direct deposit of at least $500 per month to their NYCB deposit account, maintain positive monthly cash flow (meaning that monthly deposits exceed monthly withdrawals, not including HMBradley Credit Card payments), and also spend $500 per month on their HMBradley Credit Card will earn 4.20% APY in the following month.

Interest rates and APYs may change any time after the account is opened. We do not pay interest on account balances above $250,000. Any fees may reduce the APY earned on the account. A minimum deposit of $100 is required to open an account.

3 Cashback is only available on the HMBradley Everyday Credit Card. Terms and exclusions apply; see for details. The HMBradley Credit Card is issued by Hatch Bank pursuant to a license from Mastercard.

What’s New

Version 2023.13.0

While your money is working hard for you, we're working hard to constantly improve the HMBradley app. Here's what the latest update includes:

- Various bug fixes and infrastructure improvements

Ratings and Reviews

3.6 out of 5
109 Ratings

109 Ratings

Neerav_Varshney ,

Amazing Concept n Bank

Getting a space in someones wallet is premium now days especially for banks. But the features of upto 3.5% interest that too in checking account and then credit card 3-2-1 . Its a one stop solition for me for saving and using a auto pay for my cards. Just holding one star for the referal prg which they can better for sure

joshjael ,

Started out great...ended bad!!

Literally the worst customer service. I have had this account for over a year and was closed out by them a few weeks ago, for no reason what so ever. I tried to reach out to get my email/last name changed and they blocked/closed my account and market it as fraud. I reached out numerous times to customer service and nothing. First it was over chat, I kept getting some rude guy named Marcus. He was no help at all and kept blocking/closing up my chats. When asked for a supervisor, he ended the chat. When asked for a phone number for customer service, he refused. So when I finally was able to get a phone number, the girl who claimed to be a “Customer service manager”, was completely rude and not customer service friendly at all. She didn’t do anything to fix my issue and pretty much just gave me the runaround of whatever script she was reading. I need actual help! I need answers!! Also, when asked about their company’s policy of closing people’s account for no given reason, her answer (The Customer Service Manager), “yeah pretty much”, all nonchalant as if it was just a normal thing to closing peoples account out without contacting or any reason given at all. That’s so professional! This won’t be the last you guys hear from me.

calimischa ,

How is this app live?

HMBradley offers a great concept. I initially downloaded this to stash some small savings funds I like to use for trips or other items I’m saving up for. Unfortunately, they released a product that doesn’t work. How a Product Manager signed off on this is beyond me. The app repeatedly failed to link common banking platforms using the automatic sign in option (ok fine), but even the manual option fails to link to your bank. What’s more, is the Web version of these services doesn’t work either. These aren’t trivial bugs!! If I released something that had a core function broken for this long I would definitely be fired. Maybe if they actually get their service working it will be a good concept but to be frank I wouldn’t ever use this service for money I needed regular access to. Which I guess I don’t have to worry about because I can’t transfer in any funds in the first place.

App Privacy

The developer, HM Bradley, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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