Before I use the lesser-known banks chasing yield, I check their reviews. Here's one source, not encouraging https://www.depositaccounts.com/banks/reviews/bread-financial.html

OP here: The rate seems almost too good to be true. I wanted to make sure I wasn’t overlooking something important.

It's a savings account at a bank. Not sure what more there is to know.

Their HYSA rate is 4.4%. Does anyone have experience with them, good or bad? I see they are FDIC insured, so believe they are fine up to the limit. Thanks!