You must sign up with a referral link to be eligible for the introductory APY for Savings Tier 1. Make sure that when you click on the referral link there are remaining incentives (the page will inform you if your friend’s link is out of incentives). Once you open your HMBradley Account and receive your first direct deposit, you will start earning the APY for Savings Tier 1. You must receive your first direct deposit in the quarter that you opened your account. You can still open an account even if there are no remaining incentives associated with that referral code; however, you will not be eligible for the introductory APY.