Bread Savings, a division of Bread Financial, offers a high-yield savings account with a competitive 4% APY and no monthly fees. Minimum deposit is $100, with free ACH transfers and wire transfers. They also offer CDs with rates up to 4% APY and no maintenance fees.

Pros of Bread Savings include competitive rates and no monthly maintenance fees. Cons include no physical branches or ATMs and limited product offerings. Customer service is available via phone, secure message, and mail. Mobile app has high ratings for easy account management.

Bread Savings is committed to reducing its environmental impact through work-from-home programs and sustainable transport options. They prioritize reusing electronics and managing energy consumption. Deposits are FDIC-insured up to $250,000 per depositor. Routing number is 124085325, and Bread Savings is a division of Comenity Capital Bank.

Read more at Yahoo Finance: Home to high-interest online savings and CD accounts