# Forms and documents

Access the Bread Savings™ resources you need.

## Account Agreements and Disclosures

Review bank documents related to your account.

### Bread Savings Account Agreement

Review the Digital Banking Services Agreement and Deposit Account Terms.

[Go to document](https://www.breadfinancial.com/en/legal/bread-savings-agreement.html)

### IRA and ROTH Custodian Account Agreement and Disclosure Statement

Review Custodial Account Agreements and Disclosure Statements.

[Go to document](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Mantl_IRA%20Custodial%20Agreement%20Disclosure_11.24.pdf "You are continuing to the IRA and ROTH Custodian Account Agreement and Disclosure Statement form, which will open in a new tab.")

## Account Management

Requests to send or receive money, place a stop payment, or add Power of Attorney

### Direct Deposit Request

Arrange to have funds automatically deposited into your Bread Savings High-Yield Savings Account.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Direct-Deposit%20Request%20Form.pdf "You are continuing to the Direct Deposit form, which will open in a new tab.")

### ACH Stop Payment

Stop an outgoing ACH transaction.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/ACH%20Stop%20Payment%20Form.pdf "You are continuing to the ACH Stop Payment form, which will open in a new tab.")

### Power of Attorney Affidavit

Add a Power of Attorney to your account if you need someone to act on your behalf.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/POA%20Affidavit.pdf "You are continuing to the Power of Attorney form, which will open in a new tab.")

## Managing IRAs

Contribution and withdrawal documents for an individual retirement account

### Traditional IRA Contribution and Selection

Provide contribution and deposit information for a Traditional IRA.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/107%20-%20IRA%20Contribution%20and%20Investment%20Selection%20filled.pdf "You are continuing to the Traditional IRA form, which opens in a new tab.")

### Traditional IRA Withdrawal Authorization

Request a withdrawal from a Traditional IRA, or a one-time RMD withdrawal, including instructions. Please note, Bread Savings will not withhold state income tax from your Traditional IRA withdrawal.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/314%20-%20IRA%20Withdrawal%20Statement%20Rev%201.25%20filled.pdf "You are continuing to the Traditional IRA form, which opens in a new tab.")

### Required Minimum Distribution-For Recurring Distributions Only

Establish a scheduled payment election that will meet or exceed your Required Minimum Distribution (RMD).

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/322%20-%20Required%20Minimum%20Distributions%20(RMD)%20Rev%201.25%20filled.pdf "You are continuing to the Required Minimum Distribution form, which opens in a new tab.")

### Scheduled Payment Election-For Recurring Payments Only

Request Scheduled payments other than RMD.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/324%20-%20Scheduled%20Payment%20Election%20Rev%201.25.pdf "You are continuing to the Scheduled Payment Election form, which opens in a new tab.")

### Roth IRA Contribution and Selection

Provide contribution and deposit information for a Roth IRA.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/6107%20-%20Roth%20IRA%20Contribution%20and%20Investment%20Selection.pdf "You are continuing to the Roth IRA form, which opens in a new tab.")

### Roth IRA Withdrawal Authorization

Request a withdrawal from a Roth IRA, including withdrawal instructions. Please note, Bread Savings will not withhold state income tax from your Roth IRA withdrawal.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/6314-%20Roth%20Withdrawal%20Authorization%20Rev%201.25%20filled.pdf "You are continuing to the Roth IRA form, which opens in a new tab.")

## Disputes and fraud

Documenting incorrect or unauthorized transactions

### Affidavit for Fraud

Report a fraudulent transaction on your account when the disputed transaction was originated by Bread Savings, based on what we assumed was your request.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Affidavit%20for%20Fraud.pdf "You are continuing to the fraud form, which will open in a new tab.")

### Transaction Dispute

Dispute a transaction on your Bread Savings account.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/Dispute%20Form.pdf "You are continuing to the dispute form, which will open in a new tab.")

### Written Statement of Unauthorized Debit

Let us know when an unauthorized or improper ACH debit was charged to your account.

[Go to form](https://www.breadfinancial.com/content/dam/breadfinancial/us/en/documents/forms-and-documents/WSUD.pdf "You are continuing to the unauthorized debit form, which will open in a new tab.")