HMBradley: Save, Spend, Borrow 4+

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

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.

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.