1 /5 Bob C: Problems with Bread Savings begin with its website, which is unintuitive and frustrating. Everything I tried to do online failed, so I resorted to their online chat support. But anything you want to accomplish through chat will require undue patience. Personnel who staff that function are basically there to put you off, so that you must return and prod repeatedly to get any answers. On the other hand, the telephone support personnel are professional, courteous, and efficient IF youre lucky enough to get through after multiple tries. And when I waited for weeks after submitting an application to open a savings account, without a response, my patience wore thin. So, I closed my CD account, and took my business to an online bank that makes it EASY to accomplish whatever banking task I need to perform. Unless youre a masochist, avoid Bread Financial!