Bread Savings vs UFB Direct®

If you’ve opened a high-yield savings account or CD with the Bread Savings online bank, this app is for you. Start saving more towards your best life, even when you’re on the go. Ready to download the app? Please sign in with your online banking username and password. Want more information? Here’s everything you can do with this Bread Savings app: • Access your savings or CD accounts quickly and securely. Touch ID and PIN authentication allow sign-in using your fingerprint or personal passcode. • Monitor your activity. View your account balances and transactions, all in one place. • Make deposits with mobile check capture. Use your phone’s camera to snap a picture of your check – easy as can be! • Transfer funds effortlessly. Generate one-time or repeating automatic transfers to other linked bank accounts. • Have it your way. Customize your interface and add your own tags, images and notes to create a personalized banking experience. • Get your questions answered. Speak with Bread Savings Customer Care at the touch of a button. Hey, if you’ve got a Bread Financial branded credit card and you’re looking to make payments to your account, we’re sorry, this app isn’t for you. Instead, Bread Financial credit card customers can go to Account Center for everything related to your account

UFB Direct delivers smart personal and business finance on the go. Bank, borrow, and plan on your terms. Link and manage accounts. Track savings. Access and move money with ACH direct deposit, mobile deposit, and money transfer. Plus, pay bills and monitor your credit score. It’s the way financial services should be. MOVE MONEY & ACCESS FUNDS It’s your money – use it. Add money and send it where it needs to go. • Transfer money to accounts, friends, and others • Mobile check deposit • Early direct deposit • One-time and recurring bill pay • Credit score monitoring • Wire transfers MANAGE CHECKING AND SAVINGS ACCOUNTS Make your money work. Open a digital bank account. Manage debit and ATM cards. Get account balance and other alerts. • Accounts for all ages, from teens to adults and seniors • Freedom Checking • High Yield Portfolio Savings • High Yield Portfolio Money Market • Certificates of Deposit (CDs) BORROW MONEY & MANAGE LOANS Apply for a loan, track details, and pay loans. • Mortgages for home purchase and refinance • Personal loans for large expenses, home improvements, debt consolidation, and more • Set up and edit scheduled payments • Enroll in payment alerts CREDIT SCORE MONITORING Watch your credit and learn how it impacts finances. • Free credit score • Credit score change alerts • Credit score history PERSONAL FINANCE MANAGER Connect bank accounts to track money and gain insights to help master finances. • Account aggregator • Spending tracker • Saving & investing trends • Debt tracker © 2025 UFB Direct, All Rights Reserved Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read our FDIC Notice. Axos Bank NMLS# 524995