Unlock a higher APY

The first step to unlocking our higher interest rates is to transfer at least $500 a month into your HMBradley deposit account.¹
Use this Routine to automate your monthly transfer, saving yourself a few clicks while you watch your money grow with a higher interest rate.

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Build your savings

Automate a monthly transfer of $500 (or more) each month to build your savings

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Deposit Account

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Skip the monthly hassle.

HMBradley rewards good savings behavior. That’s why we’re taking the friction out of meeting your monthly $500 deposit requirement for unlocking higher rates. Use this routine to set and forget the monthly transfer. Now you have one less thing to worry about!

Build Your Savings Routine

This is as simple as it gets - load this Routine to automatically transfer at least $500 a month from an external account. You can adjust the recurring transfer amount.

Before you start, you’ll want to link an external banks account to your HMBradley account.

How to set up this Routine:

  1. Begin by clicking “Try this Routine”
  2. Select the Trigger "On a scheduled day" and choose the frequency (weekly or monthly recurring transfer options are available)
  3. Next, designate the action by choosing "Deposit to HMBradley from a linked bank account" under the Actions dropdown menu
  4. Type $500 under Amount, then choose the linked account that you would like the funds to be transferred from
  5. Click "Done" and then "Create Routine" (and don't forget to name your Routine!)

These are the steps for unlocking a higher APY.¹ First, fund at least $500 into your account each month. Second, maintain a positive cash flow (that means more money comes into your account than goes out).
You can unlock our highest APY if you have our credit card and spend at least $500 a month on it. Don’t worry, charges to your HMBradley Credit Card don’t count against your monthly cash flow.

¹ APY means Annual Percentage Yield. Deposit accounts provided by New York Community Bank, a division of Flagstar Bank, N.A., Member FDIC. Interest rates and APYs are variable and may change any time after account opening. Terms and conditions apply; see Deposit Account Terms & Current APYs for details


Paycheck Split Routine

Automatically transfer a fixed amount or percent to a savings plan after each deposit.

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Deposit Account
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What’s in a Routine?

The best financial habits are the ones you can keep — so we built a way to make sticking to your goals easier than ever. Whether you’re focused on saving for the future or making smarter spending choices today, Routines are here to help.

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