HMBradley: Save, Spend, Borrow

HMBradley: Save, Spend, Borrow

Rewarding Personal Finance

112 ratings
46 reviews
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💰 Finance

Archived App (Last seen on 11 Nov 2025)

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • July 22, 2020
  • December 20, 2023
HMBradley: Save, Spend, Borrow screenshot #1 for iPhone
HMBradley: Save, Spend, Borrow screenshot #2 for iPhone
HMBradley: Save, Spend, Borrow screenshot #3 for iPhone
HMBradley: Save, Spend, Borrow screenshot #4 for iPhone
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About

Automate your savings and spending to build wealth. Earn high APY on savings and unlimited cash back on purchases. Build strong financial habits with automated routines.

Automated savings
Up to 4.70% APY on savings
1.5% cash back on spending
Financial habit building
FDIC insured deposits
Automated routines (Triggers and Actions)
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What's New in HMBradley

2023.33.0

December 20, 2023

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

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User reviews

Marketing doesn’t match setup

I thought it is a tool to put my money on auto pilot but based on the setup it looks like it is more to recommend credit cards, and you can’t skip that step so I stopped, but now they have my personal info.

Love the ease of use of this app and bank

Love the ease of use of this app and bank. Gives me a lot of inside into how to use and increase my credit score

Closed Account Never Looked Back

Had an account in 2020, things were great, highest yield Savings Rate-offered 3% back then. Loved it, until I didn’t. Things changed in 2021 when they forced me into getting their Credit card and making purchases each month in order to keep the high yield savings rate. Oh but you have to wait until they offer you the Credit Card, can’t just apply for it. Oh but you had to have a certain amount direct deposited-which was my whole paycheck basically. They aren’t in the Zelle network so why would I make this my primary bank? I also didn’t like the fact that you only have a Checking account, no savings account. I want to save money in a savings account, I don’t want my spending money in the same account as my savings—what’s the point of a high yield rate-I’m supposed to be saving right?? I left them took my money to Sofi and haven’t looked back.
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4% Invitation for a deposit account

After opening a profile account for awhile I received an invitation to open a deposit account up to 4%. Logged on and do not see anything and contacted support who told me to try uninstalling and reinstalling without looking into my account. Did that and nothing. 2nd support who informed me he is in training looked into and said he sees it and will escalate it to department. When asked when can I expect a response he need the chat.
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Horrible Customer Service

HMBradley has gone through a transition with Hatch Bank no longer associated with the accounts. I have not been able to have access to my funds for over a month. Nobody in customer service is able to resolve. Multiple, repeated requests for call are not answered. Chat feature resets often and have to “reauthenticate” with the new rep in chat over and over. Bottom line, poor customer service, horrible banking practices, bordering fraud.
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FAQ

What does this app do?

This app helps you build wealth by automating your savings and spending. It allows you to earn high APY on your savings balance and unlimited cash back on purchases. You can also build strong financial habits through automated routines.

How can I earn money with this app?

You can earn money by saving with up to 4.70% APY on your balance, provided you meet the deposit requirements. Additionally, you can earn unlimited 1.5% cash back on all your spending.

Is my money safe with this app?

Yes, your funds are FDIC insured up to $250,000 per depositor through their partner bank. The app is a financial technology company, and deposit accounts are provided by New York Community Bank, a division of Flagstar Bank, N.A., Member FDIC.

What are the key features for building financial habits?

The app allows you to automate your finances to build strong habits. It streamlines the process of building savings with features like 'Triggers and Actions,' which help you set up automated financial routines.

Is this app free to use?

The app is free to use, but it does have in-app purchases. Specific details about what constitutes an in-app purchase are not provided in the description, but the core functionality of saving and spending rewards is available.