HMBradley

Hi Producthunt! and Thanks so much @chrismessina for hunting us! I'm Zach, Co-Founder & CEO of HMBradley. We're building the bank we've always wanted and we are excited to be able to share it with all of you as well! We started out over two years ago now thinking about what we wanted out of our own bank and what we were not getting by the "new" banks in the market. I think one of the most frustrating parts of the "challenger" banks in the US is that most of them are built around a model that encourages using your debit card. But many of us don't even swipe our debit cards, we have a rewards credit card that's typically a better option. Combine that with a couple things that happen in banking and you have a pretty maddening experience with the options that are left. 1. Everyone gets paid the EXACT SAME RATE. It does not matter whether you're a customer who's saving money, or spending every dime, the ONLY way to be treated better in the banking system today is to simply have enough zeros in your account. Once you do, suddenly your bank will know your name but before that? good luck! 2. Your bank seems to expect you to become your own credit analyst. Any time you need a new product its up to you to do all the research and decide what it is you want (isn't it kind of weird we have entire companies focused on you researching credit products?!). But then its even worse, because AFTER all that research then you have to go and APPLY for it. It's like you're bowing at the throne asking for permission, and that's really where we wanted to turn things on their head. What we're building is pretty simple. A bank account that rewards users with great financial habits by paying them more interest when they save more of what comes in. Simply put when you save more, you earn more. The WHY: So why are we doing this? It's simple really, we think the business model of banking is good and we think users deserve better from their bank. We're hoping to build the absolute best bank account for savers that has ever existed. If you are a saver, want to be a saver or have ever thought about saving more money we'll align the interest so that it is even easier for you to save more of what comes in. By doing this we'll be able to pay you higher rates simply because we're not paying all the users who do not save nearly as much and we're able to incentivize the users that we ultimately most want to lend money to! And lending is coming this month! We've already got a Credit Card ready to go and we think you'll love what we're doing there too, but the most interesting part is - YOU DON'T HAVE TO FILL OUT AN APPLICATION. We have a patent pending on what we call "1-Click Credit" and the simple idea is that if you opt-in we'll do a soft pull on your credit history every month and if you qualify we will send you a fully under-written offer that won't say something like "Click here to Apply" but might instead say something like "Hey Lauren, We've got a credit card offer for you, its a $5,000 line of credit with a 16% APR. It's yours if you want it!" Ultimately we're trying to make the "how" in banking much easier, your bank should align itself so that it does better when you do better. And you should not have to be a credit analyst just to know what you're good for with your bank. We are starting with a simple bank account and credit card but we plan to re-imagine the way you experience any part of how you bank, and before you ask - YES, we plan to get to 1-Click Mortgages before it's all said and done :) If any of this resonates with you I hope you'll check it out and open an account. We cannot wait to show you all that's to come.

Excellent work guys!

Great Service, really appreciate the way they operate.

Excellent service and extremely knowledgeable talent!

HMBradley has been truly exceptional.

Excellent product and efficient process.

Love this tool!