TL;DR: HMBradley is offering a bank account where you can earn up to 3.5% on balances up to $100k. However, there are requirements. HMBradley came out with a FDIC-insured savings account where if you make direct deposits every month, and have saved at least 5% (20% for the top rate) of your deposit every quarter, you get interest paid (with the top rate being 3%). Note that you will not get any interest if your account balance is over $100k. They also have a credit card that auto-categorizes your spending and gives you 3% back on your top category. This credit card is great in its own right, and if…