# HMBradley: Save, Spend, Borrow — user reviews > 46 indexed App Store user reviews of HMBradley by HM Bradley, Inc., rated 3.53/5 from 112 ratings. - Source: https://appshunter.io/ios/app/hmbradley-save-spend-borrow/id1513277120/reviews - App overview in markdown: https://appshunter.io/ios/app/hmbradley-save-spend-borrow/id1513277120.md - Rating breakdown: 5★ 65 · 4★ 4 · 3★ 3 · 2★ 5 · 1★ 35 ## Newest reviews (11 of 46) ### 2/5 — App not working *2022-11-29, version 2022.37.0* Need to fix app, no access to account data, keeps crashing and bouncing back to initial log in and 2factor authentication after iOS latest update ### 2/5 — 2 factor authentication broken *2022-11-21, version 2022.36.0* Paste from Authenticator puts app in never ending loop ### 2/5 — New update buggy *2022-09-02* I’ve been using this app since HMBradly launched and usually it does the job. However it has been prompting me to “reload the app” for an update. I hit reload and it looks like it refreshes. Then as soon as I try to login it crashes. I deleted and reinstalled and to have the exact same thing happen. Whatever y’all pushed out is breaking something. ### 3/5 — No Way to Access your account while overseas *2022-05-19* Want a company that has no phone number to call? A company that locks you out of your account for simply deploying overseas? A company that won’t turn off/or edit your 2-factor authentication when you switch phone numbers? You found it! It has been a month since my deployment started and I have no way of accessing my account, I have been emailing them back and forth and still nothing. What a waste of time! Better invest your money in I Bonds. They are almost at 10%. Update, they finally fixed the issue, and I can finally access my account. Give an additional 2 stars. ### 4/5 — Amazing Concept n Bank *2021-11-17* 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 ### 2/5 — Mobile deposit does not work *2021-10-01* It just keeps saying “something went wrong”. Wish this feature was more functional. The other thing that’s really annoying is the menus are not intuitive at all. Things aren’t where you think they’d be. My last wish is that I wish I could see pending transactions. Otherwise it’s a decent app. ### 1/5 — Logon failed not a useful error message *2021-09-15, version 2.0.9* Needs better error messages ### 1/5 — Error message. App is currently broken *2021-09-06, version 2.0.6* I even reinstalled. Always “Something went wrong” when I open it. ### 1/5 — Something is wrong *2021-08-25, version 2.0.5* Every single time I try to open this app, it won’t let me and says “sorry, something went wrong….” Extremely annoying ### 1/5 — What a scam. Don’t fall for it *2021-07-18, version 1.3.39* Banked with them for a few months. Everything was fine, until one of my transfers from Robinhood didn’t process. Robinhood sent the money to HMB, HMB had already locked me out of my bank account, resetting my password did not work. It has taken customer service three weeks to respond to my original ticket regarding my lack of access to my account, and in the mean time, they’ve emailed me to let me know that my Robinhood transfer did not process and they must send me a paper check instead. I mean what the F is that? They literally don’t issue their checking accounts paper checks, yet they need to send me one? I don’t understand why I was locked out of my account. Don’t understand why customer service took 3 weeks to respond. Don’t understand why a transfer from Robinhood couldn’t process when all of my other transfers always worked out just fine. I’m literally moving states and half of my money is inaccessible due to this error. Don’t let it happen to you, just keep your money with a REAL bank. HMB IS JUST NOT THERE YET. HORRIBLE CUSTOMER SERVICE AND UI PLATFORM. DONT DO IT. ### 1/5 — Can’t link bank account to transfer funds *2021-05-18* I couldn’t link any bank account using both login & routing number methods. After following all the step, it said linking was successful but when I clicked on transfer funds, no account listed. What’s the point of having an online bank app with buggy bank linking option?! How do I trust you guys with my money if I can’t link or withdraw my money when I need? ## Most critical reviews (10 lowest-rated) ### 1/5 — Marketing doesn’t match setup *2023-05-25, version 2023.18.0* 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. ### 1/5 — Closed Account Never Looked Back *2023-01-04* 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. ### 1/5 — 4% Invitation for a deposit account *2022-12-20* 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. ### 1/5 — Horrible Customer Service *2022-12-01* 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. ### 1/5 — Unusable Bug *2022-09-27, version 2022.17* Latest release results in a bug that dumps me into a cycle of entering my password, prompting me for 2 factor authentication, entering the 2 factor authentication code, then asking me for my password, etc… ### 1/5 — Garbage *2022-09-10, version 2022.17* They closed my account for “unusual activity”. The only activity on my account was direct deposit from my paycheck and occasional cash app withdrawals when I needed my funds. Hardly unusual for a Bank account. What a joke this Bank is. ### 1/5 — App keeps crashing *2022-09-02, version 2022.16* Just updated to the latest version of the app and every time I try to make a payment, the app keeps crashing. ### 1/5 — Worthless *2022-04-23, version 2.3.1* Interest rate they offer keeps dropping while they continue to add absurd requirements to qualify for that rate. Pretty soon they’ll be paying 0.5% just like any other bank but with fewer features. ### 1/5 — Poor Customer Service *2022-04-12* Most people (probably) bank with HMBradley to take advantage of their “savings tiers”, which is essentially a reward system for increasing/maintaining balances which renews quarterly. In order to take advantage of the best rates, you need to acquire the credit card. After doing so the app marked my reward requirements as “waived.” I followed up with customer service who assured me this was the case. However at the start of this quarter, I was penalized for not having met those same requirements! Customer service blamed me for not reading the “terms of service” even though their app displayed something different, and the customer service rep misled me. They admitted the experience was confusing, yet did not rectify the situation. I was very satisfied until this incident. ### 1/5 — Service very bad! *2022-01-24, version 2.1.8* This bank very bad service! I want contact to customer service complain my transaction but they don’t have phone number. This bank very bad customer service, no phone number to contact. Everyone has to be careful when deciding to open an account at this bank, because this bank just wants to keep your money, if you do another transaction they will close your account with the reason due to suspicious activity. ## Most praised reviews (10 highest-rated) ### 5/5 — Love the ease of use of this app and bank *2023-02-03, version 2023.3.0* 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 ### 5/5 — OUTSTANDING OUTSTANDING OUTSTANDING *2022-09-03, version 2022.17* Thank you for such a GREAT App ! Well done in every respect ! OUTSTANDING on every level ! I wish you continued success with this and all over your endeavors ! ### 5/5 — Best bank ever *2022-03-31, version 2.3.0* I love they really cares about their customers and offer the best products ### 5/5 — Great platform, great app *2022-03-05* I can definitely feel that they are developing a product that is made for everyone’s unique financial situation. So cool! And They are really working to optimize for mobile and i really appreciate that, unlike big banks where the app is garbage ### 5/5 — A bank working to become The Bank *2022-02-19* I have been using HMBradley for about a year now and all I can say is it’s wonderful! Sure there are some bugs here and there but where else can you get 3% on up to 100k?! I’ve earned about $1000 over the year from interest and Cash back on their CC. I love using plans to hide money away for different savings goal as well! Really happy customer and can’t wait to see what they build in the future! ### 5/5 — Wonderful app *2022-02-18, version 2.2.3* Great rewards, easy to use and digital first. Love HMB! ### 5/5 — Best APY around! *2021-09-16* The website is better than the app, but they are definitely working on improving it. Everything has been great so far and my interest has posted no problem. The 3% is great!! Will definitely continue to use!! ### 5/5 — Beautiful and easy to use *2021-09-07* Love the new version of the mobile app, it’s intuitive to navigate and I can easily access all of the information I need. Also, I appreciate the icons and other elements that were incorporated in the new design (icons, welcome screen, cash flow). ### 5/5 — Great interface and functionality *2021-09-04* I love the idea of Plans to keep my savings categorized! The new app makes it easy to view what matters. In particular, I like the ability to view money in and money out upfront when viewing my balance. ### 5/5 — Great bank *2021-04-18* I’ve had this bank account since they opened last year in March 2020. So far I’ve earned great apy 3% most months. Customer service is great and they work with you. I’m a very happy hmbradley customer and you should create your account as well to cash in on the great apy --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*