Bread Savings, a division of Comenity Capital Bank:
Online Savings Account - 1.65% 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 1.65%
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 (21)

  • June 28, 2022 |

    Online Savings Rates

    Also, another point. I accessed my account from overseas recently (just checking to make sure a transfer I had made went thru) and they contacted me via various means as a security issue. They needed to confirm that it was me that accessed it before releasing it from a security hold. I was impressed.

  • June 28, 2022 |

    Online Savings Rates

    Agreed the $5000 transfer limit is ridiculous. So I called them and found out that the $5000 is their default. If you request a higher limit, they can arrange it. Mine is now $50,000 per day. And agree that the website does not inspire a lot of confidence, but I've used them for years as Comenity and never had a problem.

  • May 17, 2022 | | Replies 1

    Online Savings Rates

    Does anyone there even check these banks before listing them on this site? This one won't let you move more than $5,000 a day, even rejecting external transfers over that amount (which in the past is the best way to defeat these types of limitations).

    ElrodTX | Jun 30, 2022

    I opened an account a week ago and did not encounter this limitation at all. Maybe it has been fixed?

  • May 11, 2022 |

    Online Savings Rates

    I opened an account there about 4 weeks ago and put in the FDIC limit. They raised he rate. Now I am getting 1% on my cash. That is the good. The bad is that I am absolutely inundated by emails and letters from something called Bread which wants me to consolidate my debt or remortgage or get a car loan or whatever. The cross selling is absurd. Do they really think I would be keeping this kind of cash earning 1% if I still had high interest debt?

  • May 6, 2022

    Online Savings Rates

    Terrible service- wish I had read the reviews before opening an account. They won't let me have a joint account with my wife (married 30+ years, never been a problem with other banks) and REFUSE to tell me why. They even said that I could get $500k FDIC coverage by designating my wife as POD. I pointed out to them that the FDIC training information for banks specifically mentions this as erroneous. You'd think their lawyers would stop them from making false claims. They may have good rates, but beware the incompetence and terrible customer service.

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