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Young woman spins and smiles while walking outside after accessing her online bank account.

No banking fees, no surprises

We're an online bank that says goodbye to gimmicks, gotchas, and fees.

No. Fees. Period. 

Outgoing wire transfers are subject to a service charge. You may be charged a fee by a non-Discover ATM if it is not part of the 60,000+ ATMs in our no-fee network. A penalty may be charged for early withdrawal from a CD account or IRA CD account.
  • No monthly fees on any account.
  • No insufficient funds or overdraft fees.

    For Discover Cashback Debit, Online Savings and Money Market Accounts.
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All the important banking perks

Simple terms? Check. What about outstanding rewards and excellent service? Yeah, we have that too.

1% Cash Back on up to $3,000 in debit card purchases each month

Earn 1% cash back on up to $3,000 in debit card purchases each month. See Deposit Account Agreement for details on transaction eligibility, limitations and terms.
Checking Account
X.XX% APY

Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.

 watch your money grow
Online Savings Account
X.XX% APY

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. No minimum deposit required to open an account.    

 12 months lock in long-term earnings
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Discover®, NerdWallet's 2025 winner for Best Online Banking Experience Overall

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“Discover’s high-yield savings account is among the best in its online class.” 
“Discover is an online bank providing one of the most attractive checking account offers in the industry. With it you can earn cash back on debit card purchases, while paying no monthly fees.”
“Most of the time, Discover is on our list of the best high yield savings accounts and our list of the best money market accounts.”
"Discover offers a broad range of products, including checking and savings accounts, money market accounts, and CDs with maturity dates between three months and 10 years."
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Woman waves to friend while driving to ATM machine to access her online bank account.

Right here when you need us

See which of over 60,000 no-fee ATMs are at the stores you already frequent.

Some ATMs have limited hours and/or restricted access. ATM owners may charge a fee at locations outside of our no-fee network.

 

If you're charged a fee, please be aware that some ATM operators leave the network without notifying Discover and those ATMs may continue to display as "No Fee" in our locator until it can be updated. If you have any issues using an ATM that's displayed in our locator, or if you believe you've been charged an ATM fee in error, contact us at 1-800-347-7000.

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