Bread Savings, a division of Comenity Capital Bank:
Online Savings Account - 4.00% APY

• $100 minimum opening balance
• Maximum deposit balance limit of $10 million per Account holder
• No hidden fees
• Free monthly maintenance
• Free ACH transfers
• Free online statements
• Free incoming wire transfers
• Unlimited deposits via mobile check capture and ACH transfer
• $25 per outgoing wire transfer
• $15 per official check request
• $5 per paper statement request

Fee and Feature Guide

Savings Account
Interest Rate
APY 4.00%
Minimum deposit amount $100.00
Maximum deposit amount N/A
Balance Requirements
Minimum Opening Deposit $100.00
Minimum Balance to Avoid Fees $0.00
Minimum Required Balance $100.00
Monthly Maintenance Fee N/A
Foreign ATM Fees N/A
Insufficient Funds Fee N/A
Incoming Wires N/A
Paper Statements Yes
Online Statements Yes
Online and Telephone Banking
Online Banking Yes
Telephone Banking Yes
Mobile Banking Yes
Deposit Checks with Mobile Device Yes
Free Bill Pay Yes
Online Bill Payments Required Yes
Account Opening
Open Online Yes
Insured by F.D.I.C.

Customer Reviews for Bread Savings, a division of Comenity Capital Bank (37)

  • December 21, 2022 |

    Online Savings Rates

    Easy to open, took maybe 15 minutes for a joint account. Easy to access, easy to transfer $ in and out. Don't know why the negative reviewers experiences were so different, but maybe it's not the bank???

  • October 30, 2022 |

    Online Savings Rates

    Closed the account after one year. These folks are killing lots of trees to send out cross-selling info on credit cards, home equities, personal loans. It seems like the savings is just to bring people in the door. Only Wells is worse with the cross-selling.

  • October 4, 2022 | | Replies 1

    Online CDs 60 Month Rates

    don't even try. although the rate is attractive, you will spend/waste a couple hours going through the application and connecting a bank account through PLAID, only for them to reject your application and not tell you why. absolute waste of time. Learn from me.

    Bob | Jan 30, 2023

    Exact the same thing happened with me.

  • October 2, 2022 |

    Online Savings Rates

    closed account and won't be back. three reasons. 1. very late in raising rates after each fed move. they do eventually become competitive but after two or three weeks when they need cash. long term depositors lose in an environment when the bank isn't immediately responsive (although the rate never fell below marcus or synchrony or ally), 2. $10,000 outbound transaction limit is a killer. even worse, they blocked ach transfers initiated from chase and never let me link through plaid to any other bank or online broker, 3. the chat feature is a joke - you get back a note that someone may respond in 5 days and they don't. See ya.

  • September 30, 2022 |

    Online Savings Rates

    They locked my account for no reason. I spend more than 2 hours, trying 4 times to call their customer service (Sept. 26). The representative promised me to submit request to unlock my account right away but I still needed to call back 3 times to get it done. I will move my money to another bank.

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