Bread Savings High Yield Savings
Bread Savings High Yield Savings
in Savings Accounts from Comenity Bank · Member FDIC

Bread Savings High Yield Savings

in Savings Accounts from Comenity Bank · Member FDIC
Not enough votes for recommendation

Not enough votes for recommendation

Explore a similar product
Try this top product in Savings Accounts.
PNC Bank High Yield Savings Account
PNC Bank High Yield Savings Account

Rating not yet determined  

4 reviews
Monthly Fee $0
(Verified 12/16/2022)
APY (Annual Percentage Yield) 3.5%
(Verified 12/16/2022)
Minimum Balance to Earn APY N/A

Bread Savings High Yield Savings Review

Bread Savings High Yield Savings is offered by Comenity Bank, a bank founded in 2003 and based in Draper, UT. Bread Savings High Yield Savings are available in 50 states (and Washington, DC).

Key Takeaways

  • Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3.5%, which is much higher than the average interest rate for a savings account.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.

Bread Savings High Yield Savings Pros & Cons

Pros Cons
  • Available in all 50 states.
  • High variable APY.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Online-only account with no access to physical branches.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Higher than average wire transfer fees.

Bread Savings High Yield Savings FAQ

Are savings accounts from Comenity Bank federally insured?

Yes, your Comenity Bank savings accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #57570). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

Does Comenity Bank offer a signup bonus?

Bread Savings High Yield Savings doesn't offer a signup bonus.

What is the minimum initial deposit for Bread Savings High Yield Savings?

The minimum deposit to open a Bread Savings High Yield Savings is $100.
Bread Savings High Yield Savings Minimums
Minimum Opening Deposit $100

What APY does Bread Savings High Yield Savings offer?

Bread Savings High Yield Savings offers an APY of 3.5% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only savings accounts, which is around 1% APY.

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does Bread Savings High Yield Savings charge?

Bread Savings High Yield Savings does not charge a monthly service fee. See the fee breakdown section below to view all fees.

  • Outgoing domestic bank transfers come with a $25 fee.
  • Outgoing international bank transfers come with a $25 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Bread Savings High Yield Savings charges $5 every time you request a paper statement.

What features and perks does Bread Savings High Yield Savings offer?

This savings account includes the following features:

  • Fraud monitoring - Bread Savings High Yield Savings monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location, or you make a sudden string of costly purchases.
  • Mobile Banking Services - Bread Savings High Yield Savings allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

Can you set up a direct deposit to Bread Savings High Yield Savings?

Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

What is the customer support email for Bread Savings High Yield Savings?

The customer support email for Bread Savings High Yield Savings is

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday 9:00am - 5:00pm
  • Monday 7:00am - 11:00pm
  • Tuesday 7:00am - 11:00pm
  • Wednesday 7:00am - 11:00pm
  • Thursday 7:00am - 11:00pm
  • Friday 7:00am - 11:00pm
  • Saturday 9:00am - 5:00pm

Other Services by Comenity Bank

Icon for Savings Accounts
View all savings accounts offered by Comenity Bank

Marathon Visa Credit Card

Gander Mountain Mastercard from Comenity Bank

Ann Taylor ALL Rewards Mastercard® Credit Card

ALL Rewards Mastercard®

Williams Sonoma Visa Credit Card

Abercrombie & Fitch Credit Card

My Alon Credit Card

American Home Furniture & Mattress Credit Card

Anne Geddes Visa Card

Annie Sez Visa Card

Appleseed's Credit Card

Arhaus Archarge Credit Card

Ashley Stewart Credit Card

Avenue Credit Card

Barney's New York Credit Card

Bealls Florida Credit Card

Bed Bath and Beyond Mastercard

Bedford Fair Credit Card

Big Lots Credit Card

My BJ's Perks Mastercard

Blair Credit Card

Blue Nile Credit Card

Boscov's Credit Card

Draper's & Damon's Credit Card

Brylane Home Credit Card

Buckle Credit Card

Bealls Family of Stores Credit Card

Good Sam Rewards Visa Card

Catherine's Credit Card

Chadwick's of Boston Credit Card

The Children's Place My Place Rewards Credit Card

Christopher & Banks Credit Card

Coldwater Creek Mastercard

Colombian Emeralds International Gold Advantage Card

David's Bridal Credit Card

DSW Visa Card

El Dorado Furniture Credit Card

Express Credit Card

Victoria's Secret Angel Credit Card

GameStop Power Up Rewards Credit Card

Torrid Insider Credit Card

Lane Bryant Credit Card

Forever 21 Credit Card

J.Crew Credit Card

Zales Credit Card

Ulta Ultamate Rewards Mastercard

Woman Within Platinum Credit Card

Wayfair Credit Card

The VENUS Credit Card

True Value Discover Credit Card

Trek Credit Card

Total Rewards Visa Card

Caesars Rewards® Visa® Credit Card

The Tile Shop Credit Card

The Stage Store Credit Card

Sportsman's Guide Visa

Smile Generation Financial Credit Card

RH Credit Card

The Room Place Credit Card

American Kennel Club Visa® Card

Eddie Bauer Credit Card

FullBeauty Platinum Card

Gardner-White Premier Card

Home Shopping Network (HSN) Credit Card

Hot Topic Guest List Credit Card

Haband! Credit Card

Iddeal Credit Card

J Jill Credit Card

Jessica London Platinum Credit Card

KingSize Platinum Credit Card

JD Williams Card

Little Switzerland Credit Card

metrostyle Credit Card

New York & Company RUNWAYREWARDS Credit Card

Overstock™ Store Credit Card

Piercing Pagoda Credit Card

Pier 1 Rewards Credit Card

OPT Credit Card

Roaman's® Credit Card

Restoration Hardware Credit Card

Talbots Credit Card

Orbitz Rewards® Visa®

Modell's MVP Visa

Gordmans Credit Card

Lexus Pursuits Visa®

Lexus Pursuits Visa® Signature

Toyota Rewards Visa Credit Card

Toyota Rewards Visa Signature

Toyota Credit Card

Bread Cashback American Express Credit Card

Sephora Credit Card

Sephora Visa Credit Card

Burlington Credit Card

KAY Jewelers Credit Card

Petco Pay Mastercard Credit Card

Palais Royal Credit Card

Buybuy BABY® Store Credit Card

Lands’ End Visa® Credit Card

Alphaeon Credit Card

PlayStation® Visa® Credit Card

Famous Footwear® FAMOUSLY YOU REWARDS® Credit Card

Maurices Credit Card

Jared The Galleria Of Jewelry Gold Credit Card

Helzberg Diamonds Credit Card


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit $100
Monthly Fee $0
(Verified 12/16/2022)
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $25
Paper Statement Fee $5
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Mobile Check Deposit
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Online-Only Account
APY (Annual Percentage Yield) 3.5%
(Verified 12/16/2022)

Be the first to rate


Would you recommend Bread Savings High Yield Savings to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Savings Accounts

Comenity Bank Savings Accounts