Discover® is now part of Capital One

On May 18, 2025, Discover Bank merged into Capital One, N.A. We’re now one company under Capital One. The Discover brand and your Discover account are not going away.

Yes, definitely. Your account number, routing number, debit card, and checks, as applicable, haven’t changed, and you can continue to bank with Discover as you always have.

There's no action you need to take to keep using your account.

Yes, continue to manage your account using your existing user ID and password at Discover.com and the Discover mobile app.

Any automatic deposits, withdrawals, or bill pay with Discover will continue to be processed on the same schedule.

Yes, definitely. You can apply for an online banking account, credit card, or loan at Discover.com any time. They are still Discover products but will now be under Capital One.

Not at this time. 

You’ll still enjoy uninterrupted access to your great Discover benefits. If you have any questions about your Discover account, reach out like you usually do at Discover.com, in the mobile app, or by phone.

Currently, you aren’t able to make deposits or ask questions about your Discover account at Capital One bank branches, cafes, or through Capital One customer service.

Keep using your Discover and Capital One accounts as usual. Note: Discover benefits do not transfer to your Capital One account, and Capital One benefits do not transfer to your Discover account.  

If you have any questions about your Discover account, reach out like you usually do at Discover.com, in the mobile app, or by phone. For all other Capital One products, please continue to contact Capital One servicing for questions about that account.

Yes, we’re still looking out for your personal information. Your security stays a top priority.

We still monitor your account for fraudulent activity and notify you if any suspicious activity is detected. You’re never responsible for unauthorized debit card purchases.

Safeguard your account: scammers who claim to be Discover or Capital One may contact you asking for sensitive information. Remember, we won't contact you about these changes asking you to provide us with sensitive information such as your account number, password, one-time code, or to request initiating any bank transfers. If ever in doubt, please call us directly.

For more tips on how to avoid scams, visit our scam protection page.

Yes. Online savings accounts, money market accounts, CD accounts, and retirement accounts will continue to earn interest, as reflected on your statement.

Yes, your account remains FDIC-insured. 

In general, your Discover Bank deposit account will remain separately insured by the Federal Deposit Insurance Corporation (the “FDIC”) from any other Capital One deposit accounts for a period of 6 months after the Merger Date. 

This period provides you with the opportunity to restructure your deposit accounts to maximize FDIC deposit insurance coverage if your total holdings at Discover and Capital One exceed the current deposit insurance limit of $250,000 per depositor, per ownership category. For more information about FDIC deposit insurance coverage, please visit Your Insured Deposits | FDIC.

At the end of that 6-month period, your Discover Bank Account(s) will be counted with your other Capital One deposit accounts for determining deposit insurance coverage by the FDIC. 

However, Certificate of Deposit accounts that mature after the end of the 6-month period will remain separately insured by the FDIC until their first maturity date after the end of the 6-month period. Certificate of Deposit accounts that mature before the end of the 6-month period and are not renewed or are renewed for a different term or dollar amount will remain separately insured only until the end of the 6-month period. Certificate of Deposit accounts that mature before the end of the 6-month period and are renewed for the same term and the same dollar amount remain separately insured until the first maturity date after the end of the 6-month period. 

Please note: Any Capital One or Discover Banking deposit accounts opened on or after the Merger Date are immediately counted with your other Capital One deposit accounts for determining deposit insurance coverage by the FDIC.

No. There are still no account fees.

Yes, keep using any of our 60,000+ no-fee ATMs.

Yes, you can continue to add cash at any Walmart in the U.S. with your contactless debit card.

Yes. You continue to earn 1% cash back on up to $3,000 in debit card purchases each month. And you will keep the rewards that you’ve already earned.

Yes, your approved joint owner(s) can continue to use your Discover account like usual.

Yes, there are no changes to your Identity Theft Protection plan at this time.

Your Deposit Account Agreement and any other Agreements (“Agreement”) are now between you and Capital One. This Agreement and your account are governed by applicable federal law and, to the extent state law applies, the laws of the Commonwealth of Virginia, where Capital One is headquartered.

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Also, make sure your contact information and alerts settings in your account are up to date so you get communications from us.