Bread Savings vs Fidelity (Brokerage Cash)
Head-to-head comparison of Bread Savings High-Yield Savings and Fidelity Cash Management Account, updated daily.
Bread Savings currently wins on APY: 4.40% vs 4.05%
| Feature | Bread SavingsUpdated 1d ago | Fidelity (Brokerage Cash)Updated 1d ago |
|---|---|---|
| APY | 4.40%★ | 4.05% |
| Min opening deposit | $100 | $0★ |
| Min balance for APY | $100 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | Yes★ |
| Check writing | No | Yes★ |
| Mobile app | No | Yes★ |
| Editor rating | 4.1 / 5 | 4.6 / 5★ |
Bread Savings verdict
Bread Savings is bare-bones and proud of it. There is no mobile app, no checking, no ATM — just a savings account with a competitive APY. For savers who want to "set and forget" without temptation to spend, the lack of features is a feature.
Read full Bread Savings review →Fidelity (Brokerage Cash) verdict
Fidelity's Cash Management Account is the cleanest "all-in-one" replacement for both checking and savings if you are willing to use a brokerage. The ATM fee reimbursement is industry-leading. Yield is slightly below the pure-play HYSAs but the convenience and integration usually justify it.
Read full Fidelity (Brokerage Cash) review →