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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 Bank 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

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), online sports betting and internet gambling transactions, 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 Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.

Checking account

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

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 months
lock in long-term earnings
Certificate of deposit
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. 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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