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HMBradley account review

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This savings account includes a debit card and earns up to 3.0% APY, but it requires direct deposits.

HMBradley is a digital bank offering that combines aspects of traditional checking and savings. You’ll get a debit card and can earn up to 3% APY. But your account must receive at least one direct deposit a month and your APY is based on the percentage of your income you save, not on your total balance.

$0 per month





APY3.00% if you save at least 20% of your direct deposits in a given quarter
Fee$0 per month
ATMsFree at more than 55,000 ATMs in the STAR and MoneyPass networks.
Overdraft fee$35

Review by

Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

Expert review

The HMBradley bank account is best for those looking to earn more interest the more you save. With HMBradley‘s savings tiers, you’re rewarded with more interest the more you save each quarter.

You could earn up to 3% APY as long as you save at least 20% of your income. And on the first three months of account opening you’ll automatically earn 1% APY.

But like most digital banks, HMBradley currently doesn’t support remote check deposits and to earn interest you’ll need to set up direct deposits and save at least 5% of your income.

How do I open an HMBradley account?

Open an HMBradley account in five steps:

  1. Go to the provider’s site and follow the steps to apply.
  2. From the Provider site and select apply now
  3. Enter your email address, create a username and password, then select Next.
  4. Enter the confirmation code HMBradley sends to your email address and continue to the next page.
  5. Fill out your name, phone number and other personal information.
  6. Work with your employer to set up direct deposit to your HMBradley account.


To open an HMBradley account, you must meet the following criteria:

  • US citizen, legal resident alien or legal nonresident alien
  • At least 18 years old
  • Permanent physical US residential address

Required information

You must provide the following information when you apply:

  • Social Security number or Taxpayer Identification number
  • US phone number

What are the benefits of an HMBradley account?

HMBradley comes with several attractive benefits:

  • High APYs. New accounts start at HMBradley‘s savings Tier 3, which earns 1% APY during the first three months of account opening. But you could later earn as high as 3% APY if you save at least 20% of your direct deposits in a given quarter.
  • Savings goals. HMBradley lets you create specific savings plans with automatic deposits.
  • Few fees. HMBradley doesn’t charge any monthly fees, but you’ll pay $35 for overdrafts — which is average to what other banks charge — and $10 if you need your debit card replaced more than twice.

How much interest will I earn with HMBradley?

HMBradley has tiered interest rates that range from 0% to 3% based on the percentage of direct deposits you don’t spend. Interest compounds daily and is paid monthly, but the bank recalculates your APY every three months.

How do HMBradley‘s savings tiers work?

Unlike other banks that calculate your APY based on your account balance, HMBradley determines your interest rate based on the percentage of your direct deposits saved each quarter. Here’s an overview of how the savings tiers work:

TierSavings requirementInterest
Tier 120% or more saved3% APY
Tier 215% to 19.99% saved2% APY
Tier 310% to 14.99% saved1% APY
Tier 45% to 9.99% saved0.5% APY
No tierLess than 5% saved0% APY

All new HMBradley accounts earn a Tier 3 APY of 1% for the first three months. Note that your APY applies to the entire balance of your account — not only the amount you saved in a given quarter.

HMBradley‘s ATM network and fees

HMBradley accounts come with a debit card you can use for free at more than Free at more than 55,000 ATMs in the STAR and MoneyPass networks. in the STAR and MoneyPass networks. HMBradley doesn’t charge fees for using ATMs outside of these networks but the owners of those ATMs might.

What should I look out for?

Like most digital banks, HMBradley accounts don’t offer remote check deposits, but it also has this drawback to keep in mind:

  • Interest requirements. You’ll only earn interest when you receive at least one direct deposit each month and save 5% or more of your direct deposits each quarter. But you won’t earn any interest if you have more than $100,000 in your account.

If you get paid with paper checks as opposed to direct deposits, or struggle to save more than 5% of your income, you’ll want to explore other high-yield savings account options.

Compare HMBradley with other digital banks

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 3.8 / 5: ★★★★★
Aspiration Spend & Save Account
Up to 1.00%
55,000 free in-network ATMs
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days.
Citibank® Account Package
Citibank® Account Package
No access to ATMs
Earn a $300 bonus after opening new eligible checking and savings accounts and completing required activities.
HSBC Premier Checking
Finder Rating: 2.7 / 5: ★★★★★
HSBC Premier Checking
Free to use at all ATMs in the US
Get a 3% cash bonus in the first six months (up to $600) or $450 welcome bonus when you open your account with qualifying activities. Must open HSBC Premier checking account through offer page by June 30, 2021, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
Chime Spending account
Finder Rating: 4.7 / 5: ★★★★★
Chime Spending account
38,000 fee-free ATMs nationwide
Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
Axos Bank Essential Checking
Finder Rating: 5 / 5: ★★★★★
Axos Bank Essential Checking
ATM fees reimbursed at any ATM nationwide
No fees. Unlimited domestic ATM fee reimbursements.

Compare up to 4 providers

How do I deposit or withdraw my money?

There are a few different ways to deposit and withdraw money into and out of your HMBradley account:


  • Direct deposit
  • ACH transfer
  • Incoming wire transfer


  • ATMs
  • ACH transfers
  • Cashback at retailers

What other products does HMBradley offer?

Aside from its digital bank account, HMBradley also offers a credit card:

  • HMBradley credit card. This Mastercard offers a unique rewards program that gives you 3% cash back on purchases in the category you spend the most on. You’ll also earn 2% cash back on purchases associated with your second most common category and all other purchases earn 1% back.

Frequently asked questions

What is HMBradley‘s routing number?
HMBradley’s routing number is 322286188.

Can I send outgoing wire transfers from my HMBradley account?
No, right now there’s no way to conduct outgoing wire transfers.

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