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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 US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.

 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

Winner of NerdWallet's 2020 Best Savings Account and Best Checking Account Overall

©2017-2020 and TM, NerdWallet, Inc. All Rights Reserved.

“Discover’s high-yield savings account is among the best in its online class.” 

“Discover Bank 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 Bank is on our list of the best high yield savings accounts and our list of the best money market accounts.”

"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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    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.
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    Modern Money Blog

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

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      *This should not be considered tax or investment advice. Please consult a financial planner or tax advisor if you have questions.

      “If the Fed drops its rate during the adjustment period, you could see your interest rate go down and, in turn, see lower monthlypayments.”  

      – Emily Stroud, financial advisor and founder of Stroud Financial Management

      Read full article