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We’re here for you. And yours.

Wherever you are in life,
we’ve got an online bank account designed to make it more rewarding.

All the stuff you want.

Whichever online bank account you choose, we keep the terms simple, the rewards high and the service stellar.

1% cash back on up to $3,000 in debit card purchases each month

ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal™, who also provide P2P payments) may not be eligible for cash back rewards. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

 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. Minimum deposit to open is $2,500.    

 12 mo lock in long-term earnings Certificate of Deposit

None of the sneaky stuff.

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.
  • No monthly fees on any account.
  • No insufficient funds or overdraft fees.

    For Discover Bank Cashback Debit, Online Savings and Money Market Accounts.
  • No minimum balance.

    For Discover Bank Cashback Debit and Online Savings Accounts.
Get help choosing an account

Named one of NerdWallet’s Best Banks for 2019

NerdWallet Award Medal Design: ©2017-2019 and TM, NerdWallet, Inc.  All Rights Reserved.    

"Discover's deposit accounts come with few fees, a fairly high interest rate and a 1% cash back feature on your debit spending, making it a great choice for people who prefer spending on debit rather than credit."

ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal™, who also provide P2P payments) may not be eligible for cash back rewards. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

"Their savings account has one of the highest interest rates, no maintenance fees, and no minimum balance."

The Annual Percentage Yield (APY) for the Online Savings Account as of XX/XX/XXXX is more than five times the national average APY for interest-bearing savings accounts with balances over $500 as reported by Informa Research Services, Inc. as of XX/XX/XXXX. Interest rates and APYs are subject to change at any time. Although the information provided by Informa Research Services has been obtained from the various institutions, accuracy cannot be guaranteed.

"Discover Bank 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."

Easy to find.

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

Some ATMs have limited hours and/or restricted access. You may be charged a fee by the ATM owner if you use an ATM that is not part of our no-fee network. If you encounter any issues using the ATMs displayed on this site, please contact us at 1-800-347-7000.

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    With Zelle® your money’s making moves.

    Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
    Online and from the mobile app, it’s easy to send and receive money between almost any U.S.-based bank accounts. Just enroll with your email or U.S. mobile number and you’re ready to go.
    • It’s easy to use. Send to friends, family and people you trust with a bank account in the U.S.

      Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address.
    • Money moves fast. Just tell us who to pay and how much – the money’s on its way in minutes.

      Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. 

       

      Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle enrollment.  Message and data charges from your carrier may apply. Transaction limitations may apply. ​

       

      To use Zelle with Discover, an account center registered Discover checking, savings, or money market account is required. Discover and Zelle do not offer a protection program for any authorized payments made with Zelle.​
    • You’re protected. We won’t share any of your bank account information with your recipient.
    • No fees. Whether you’re sending or receiving, Discover doesn’t charge any fees to use Zelle.
    See Zelle FAQs

    Easy to love.

    Online banking, now as simple as everything else you do on your phone.

    EASY ACCESS MOBILE CHECK DEPOSIT SIMPLE TO USE QUICK VIEW
    Get access to cash on the go. Just tap to find one of our no-fee ATMs near you.
    Easily deposit a check into your account by snapping a photo of it with your smartphone or tablet.

    For more information regarding the Discover Bank Mobile Check Deposit Service, click here.
    Check on your account easily anytime. You can even skip the passcode and log in with touch or face ID.

    Face ID is currently available to iOS users.
    Enable Quick View to check your account balances without logging in each time.
    ★★★★★
    ★★★★★
    We score out of 5 stars!

    Star rating is representative of the Apple® App Store rating for the Discover mobile app and is updated daily.
    App Store Google Play

    Modern Money Blog

    Stay on top of the latest in online banking, from budgeting to saving and beyond.

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      Regularly assessing your financial strategy can help you up your money game.
      While putting your finances on autopilot is a great way to relieve the pressure of managing bills, paying off debt and saving for the future, it’s possible to automate your finances so much that you miss out on new opportunities to make your money work harder for you.
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    • 6 Money Lies You Might Be Telling Yourself

      Do any of these mindsets sound familiar? If so, you may want to rethink the way you approach your finances.

      “Many people are uncomfortable with talking about money in general. This contributes to discomfort and leads to many of the half-truths” people tell about money.

      – April Rudin, financial services consultant in New York City

      Read full article

    • 13 Ways to Have Fun Without Spending Money

      With a little creativity, you'll feel like a tourist in your hometown. And your wallet will thank you.
      It’s no secret that attending the hottest concert in town, hitting the newest club or catching a movie at the nearest theater can be expensive, and the cost of social engagements can really add up weekend after weekend.
      Read full article