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HMBradley account review

This savings account includes a debit card and earns up to 3.0% APY, but it requires direct deposits.’s rating: 4.6 / 5.0


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.

3.7 ★★★★★ (3 reviews) Write a review

$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: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
55,000+ free Allpoint ATMs worldwide
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $150 bonus when you spend $1,000 in your first 60 days.
NorthOne Business Banking
Finder Rating: 3.4 / 5: ★★★★★
NorthOne Business Banking
withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs

NorthOne Business Banking is an all-in-one solution for small business owners, startups and freelancers. It boasts unlimited free transactions, subaccounts, and robust bookkeeping integrations.
Citi Priority Checking
Citi Priority Checking
Over 72,000 fee-free ATMs in the U.S.
Secure online banking and access to cash with one of the largest networks of fee-free ATMs in the US. Earn up to $1,500 when you open an eligible account and complete required activities.
Finder Rating: 4.8 / 5: ★★★★★
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
More than 85,000 ATMs nationwide
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.
First Citizens Bank Free Checking
First Citizens Bank Free Checking
1,100+ First Citizens Bank ATMs
First Citizens Bank Free Checking stands out for its built-in finance tracking tool, Manage My Money. Available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV, and WI.

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.

Checking account ratings

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★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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