Welcome to the Tearsheet Podcast. I’m Zack Miller. There’s a sea of sameness out there in digital offerings. Challenger banks seem to provide, more or less, the same services and products. They’re debit cards attached to a personal finance manager. HMBradley launched last week with an investment from PayPal and Affirm founder, Max Levchin. It bills itself as a bank for people serious about savings and it has an incentive mechanism that pays the highest interest rates to those doing the best job saving. Co-founder and CEO Zach Bruhnke joins us on the podcast to talk about why he’s dreamt of launching a bank and where he plans to take his new challenger in the future. Zach Bruhnke is my guest on the Tearsheet Podcast.