HMBradley, a newly announced digital banking platform, has raised $3.5m through a financing round.

The round was led by Accomplice Ventures and Walkabout Ventures with Mucker Capital and Index Ventures also joining, among others.

The banking platform, launched by a team of banking and fintech professionals, seeks to improve saving habits of customers.

The offering will include a single, digital bank account with checking and savings features. The APY will be based on the percentage of a customer’s direct deposits saved each quarter and will increase with the rise in deposits.

The HMBradley account has four tiers of APY on savings accounts ranging from 1% to 3%.

Furthermore, the fintech will provide an everyday rewards credit card to improve customers’ APY tier, if they save their cashback.

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Overall, the HMBradley banking account will also periodically deliver credit offers and support bill payment capabilities.

Customers will have free access to the STAR ATM network comprising more than 55,000 units.

The customer accounts will be opened at a sponsor bank, with FDIC insuring savings of up to $250,000 for each customer.

The new banking platform is expected to launch early next year.

HMBradley co-founder and COO Dmitry Gritskevich said: “We want to start account relationships on a positive note and build from there.

“We believe that the best way to do that and to show how serious we are about working for our customers is to enable them to earn a bonus before their money is even with us. HMBradley will build their trust as their balance grows.

“The best part is that the earlier someone signs up, the larger their bonus becomes.”