Q: Is there a fee for using my debit card at an ATM?

There are 60,000 no-fee ATMs through the Allpoint ® and MoneyPass ® networks. However, owners of a non-MoneyPass/Allpoint ATM may charge a fee. Discover will not charge you a fee for using your debit card at any ATM.

Question 1

How do I open a Discover Money Market Account?

Accepted Answer

Click here to open an account, or you can call one of our U.S.-based Banking Specialists 24/7 at 1-800-206-4960.

Question 2

What is the minimum deposit amount to open my account?

Accepted Answer

There is no minimum deposit required to open a Money Market account.

Question 3

How can I fund my account or make deposits?

Accepted Answer

Complete an online transfer from an eligible Discover Bank account
Complete an online transfer from an external bank account to your Money Market account
Set up Direct Deposit
Deposit a check with Discover’s Mobile Check Deposit using your mobile device
Mail a check that is made payable to you with a deposit slip or your account number on the memo line to:

Discover Bank
PO Box 30417
Salt Lake City, UT 84130

Travelers Checks are not accepted for deposit

Question 4

Are all ATMs accessible 24/7?

Accepted Answer

No, ATM accessibility varies by location. Not all ATMs are available 24/7 and some may have restricted access.

Question 5

How do I activate my debit card?

Accepted Answer

You can activate your debit card online at the Account Center or by calling 1-800-206-4960.

Question 6

How do I change my Personal Identification Number (PIN) for my debit card?

Accepted Answer

Once you receive your PIN, you can change it online in the Account Center or by using our automated system at 1-800-206-4960.

Question 7

How can I locate an ATM near me?

Accepted Answer

Use our ATM Locator or use our Mobile App to find nearby ATMs, including no-fee Allpoint^® and MoneyPass^® ATMs.

Question 8

What happens if my debit card is lost or stolen?

Accepted Answer

If your debit card is lost or stolen, please call us immediately at 1-800-206-4960 and a Banking Specialist will help cancel your old card and order a new card. You can also freeze your debit card in seconds, via the Discover App or website.

Question 9

Is there a fee for using my debit card at an ATM?

Accepted Answer

There are 60,000 no-fee ATMs through the Allpoint^®and MoneyPass^® networks. However, owners of a non-MoneyPass/Allpoint ATM may charge a fee.

Discover will not charge you a fee for using your debit card at any ATM.

Question 10

What happens if I am charged an ATM fee at an Allpoint^® or MoneyPass^® location?

Accepted Answer

If you are at an Allpoint or MoneyPass ATM and it indicates you are being charged a fee, accept the fee and proceed with your transaction. Then notify Discover Bank by sending a message through our Secure Message Center or calling us at 1-800-206-4960.

Please provide the following information and we will credit your account for the fee:

Date and time of the transaction
ATM location
Last four digits of your debit card
Amount of the fee you were charged

Question 11

Where can I use my debit card to make purchases?

Accepted Answer

Your Discover debit card is accepted at participating merchants in the United States, Canada, Mexico and the Caribbean wherever you see the Discover®, PULSE®, or Diners Club International® symbols.

Question 12

Where can I get additional cash over a purchase?

Accepted Answer

Cash over is available at participating retailers nationwide.

Question 13

Can I use my debit card outside of the United States?

Accepted Answer

You can use your Discover debit card to withdraw cash at ATMs and make purchases at participating merchants in Canada, Mexico and the Caribbean wherever you see the Discover®, PULSE®, or Diners Club International® symbols.

Question 14

What is the minimum deposit amount to open my account?

Accepted Answer

There is no minimum deposit required to open a Money Market account.

Question 15

What fees and service charges are associated with my Money Market Account?

Accepted Answer

We do not charge any account-related fees. However, there is a $30 service charge for each outgoing wire transfer from your Discover bank account.

Question 16

How can I access and manage my account?

Accepted Answer

You can access and manage your account online. Click here to login to your account. You can also access and manage your account via our mobile app available for Android^TM and iPhone®. If you do not have an Android or iPhone smartphone, you can still access your account on your phone from DiscoverBank.com. Please remember your mobile device must be set up to access the Internet in order to use DiscoverBank.com.

You will need to register for the Discover Account Center to use our Discover App. Not registered for the Account Center? Register Now

Question 17

Is the Money Market account FDIC-insured?

Accepted Answer

Funds on deposit at Discover Bank are FDIC-insured up to the maximum amount allowed by law. For more information, visit our FDIC information page.

Question 18

When will I receive my debit card and checks?

Accepted Answer

If you request a debit card and checks, you should receive them within ten days after your account is opened.

Question 19

How can I reorder checks or deposit tickets?

Accepted Answer

You may reorder additional checks or deposit tickets online via the Account Center. You can also contact us at 1-800-206-4960 and a Banking Specialist can assist you with your order.

Question 20

How do I initiate a Stop Payment on a check?

Accepted Answer

To request a stop payment on a check, contact us at 1-800-206-4960 with the check's date, amount, number, and payee name (if available).

Question 21

Does my money market account provide the option to enroll in overdraft protection?

Accepted Answer

Yes, your money market account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.

Question 22

What is Apple Pay?

Accepted Answer

Apple Pay is a payments feature that allows you to add your credit and/or debit card to a supported Apple® device through the Wallet app and make purchases at participating merchants.

Question 23

What devices are eligible for Apple Pay?

Accepted Answer

iPhone, iPad, Apple Watch and Mac devices are eligible for Apple Pay. To learn which models are compatible, please visit Apple Support.

Question 24

How do I add my Discover debit card for Apple Pay?

Accepted Answer

Add your card to Apple Pay in a few simple steps.

iPhone

Go to Wallet
Tap the button in the upper right corner
Choose “Credit or Debit Card” and follow the steps provided

Apple Watch

Open the Apple Watch app on your iPhone and go to the My Watch tab
Tap “Wallet & Apple Pay” and select “Add a Card”
Follow the steps provided

More details about setting up Apple Pay on other type of devices can be viewed on the Apple Support website.

Question 25

Where can I use Apple Pay?

Accepted Answer

You can use Apple Pay in-store at many of the places you shop every day. Some mobile apps also allow you to make online purchases using Apple Pay.

Question 26

Does it cost anything to use Apple Pay?

Accepted Answer

Discover does not charge a fee for using your debit card via Apple Pay. Message and data charges may apply depending on your wireless plan.

Question 27

Can I use Apple Pay to pay for recurring charges, such as subscriptions and/or bills?

Accepted Answer

Yes, you can set up recurring charges via Apple Pay with your debit card. Please see “What happens when I freeze my Discover debit card?” below for information on recurring charges when you freeze your debit card.

Question 28

What happens when I freeze my Discover debit card?

Accepted Answer

Freezing your debit card tells Discover that you don’t want us to authorize new purchases (in-store, online, mobile or by phone) or ATM transactions until you unfreeze. New Apple Pay purchases will not be authorized when the debit card is frozen. Recurring charges will continue even while your debit card is frozen.

Question 29

Where can I freeze my debit card?

Accepted Answer

You can freeze or unfreeze your debit card in seconds via the Discover mobile app, website or over the phone.

Question 30

What is Early Pay?

Accepted Answer

Early Pay is a free service from Discover that gives you access to funds from qualifying Automated Clearing House (ACH) direct deposits up to two days early and Tax Refunds ACH deposits from IRS up to five days early. Keep in mind that early access depends on when the payment initiator (or “Payor”), typically a business or government entity, sends us information that your deposit is on the way.

Question 31

What types of accounts are eligible for Early Pay?

Accepted Answer

Savings (excluding IRA savings) and money market accounts are eligible. CDs, IRA savings, and IRA CDs are not eligible.

Question 32

What ACH deposits qualify for Early Pay?

Accepted Answer

ACH deposits typically qualify for Early Pay if they meet the criteria below:

Transaction information is sent early
- Early access depends on when the Payor sends us information that your deposit is on the way
The direct deposit is initiated by a business, government entity, or other organization and is sent to your savings (excluding IRA savings) or money market account
Deposit amount is $10,000.00 or less per transaction

Question 33

How early will my direct deposit funds be available to me?

Accepted Answer

It depends and could vary from deposit to deposit. We will typically make your funds from qualifying direct deposits available as soon as we receive information from the Payor that your deposit is on the way—this may be up to two days early!

Question 34

Will funds from my qualifying direct deposit always be available early?

Accepted Answer

No. Our ability to give you early access to your funds is dependent on when we receive information from the Payor that your direct deposit is on the way. We may receive that information 1 day early, 2 days early, or not early at all.

Question 35

How do I enroll in Early Pay?

Accepted Answer

Simply set up direct deposit (typically with an employer or benefits provider such as Social Security) and we’ll do the rest. If you are already receiving a qualifying ACH direct deposit to your savings (excluding IRA savings) or money market account, there is nothing you need to do.

Question 36

Is there a fee for using Early Pay?

Accepted Answer

No. There is no fee for this service.

Question 37

Can I be informed when my direct deposit posts early with Early Pay?

Accepted Answer

Yes! You are automatically enrolled in the Early Pay email alert and can unsubscribe at any time. You can also enroll in Early Pay text or push notifications. Keep in mind, enrollment for push notifications is available in the mobile app.

Question 38

When should I freeze my debit card?

Accepted Answer

Freeze your debit card if you temporarily misplace your card and don't want to change your debit card number. It's easy to freeze or unfreeze your debit card in seconds, via the mobile app, website or over the phone by calling 1-800-655-3898.

Question 39

What happens when I freeze my debit card?

Accepted Answer

Freezing your debit card tells Discover that you don't want us to authorize new purchases (in-store, online, mobile or by phone) or ATM transactions until you unfreeze.

Most account activity will continue as normal, including:
Scheduled and recurring transactions
Internal/external transfers (single or recurring)
Deposits, including mobile check deposits
Online bill payments from the Discover Account Center
Returns, credits and dispute adjustments
Reward redemptions
Checks can be written and cashed

Remember, your account number and debit card number will not change when you freeze your debit card. Only the debit card you choose will be frozen, any other cards associated with this account will not be impacted.

Question 40

If I find my card, can I unfreeze my debit card?

Accepted Answer

Yes. You can unfreeze your debit card in seconds via the mobile app, website or over the phone, so you can continue using your debit card as you did before you froze. Remember, your debit card number and account number do not change when you freeze or unfreeze your debit card.

Question 41

What do I do if I can't seem to find my debit card?

Accepted Answer

If you think your debit card is lost or stolen, please contact us immediately so we can send you a new card with a new number. You can report a lost or stolen debit card by calling us any time at 1-800-206-4960.

Question 42

Where can I freeze my debit card?

Accepted Answer

You can freeze or unfreeze your debit card in seconds via the mobile app, website or over the phone by calling 1-800-655-3898.

Question 43

Who can freeze and unfreeze my debit card?

Accepted Answer

Only the owner of the debit card will be able to freeze and unfreeze the debit card. If more than one debit card has been issued to access your money market account, such as a joint accountholder debit card, then the joint accountholder will need to freeze their own debit card.

Question 44

How long will my debit card stay frozen?

Accepted Answer

Your debit card will remain frozen until you request the debit card be unfrozen, via our mobile app, website or by calling us any time at 1-800-655-3898.

Question 45

What's the difference between freezing my debit card and reporting it lost or stolen?

Accepted Answer

Freezing your debit card temporarily blocks new purchases and ATM transactions, but your debit card number does not change. When you report a card lost or stolen, your existing card is immediately deactivated and a new debit card with new debit card number will be issued and mailed to you.

Question 46

What is chip technology?

Accepted Answer

Also known as EMV or smart chip technology, it provides added security at chip-enabled store terminals and ATMs. Many countries have already adopted chip technology. And now, U.S. merchants and card issuers are starting to adopt it, too.

Question 47

How do I use a chip card?

Accepted Answer

You can use chip cards in one of two ways. If you are at a merchant location that does not have chip-enabled terminals, you can swipe using the magnetic stripe on the back of your card as usual.

At merchant locations that already accept chip cards, you'll be prompted to insert your card into the chip-enabled terminal. Be sure to leave the card in the terminal until the transaction is completed.

Question 48

Where can I use my Discover debit card with chip technology?

Accepted Answer

Your Discover debit card is accepted everywhere you use it today. When retailers update their terminals to accept chips, just insert your card instead of swiping the magnetic stripe.

Question 49

Do chip payments require signatures? Or PINs?

Accepted Answer

Your new Discover debit card with chip technology can be used with a signature or PIN depending on the terminal. At chip-enabled terminals, you will be prompted to provide your signature or PIN. In some situations, you may not need to provide either one.

Question 50

If we have a joint account, will we both get new chip cards?

Accepted Answer

Each owner who has a debit card will receive a new chip debit card when their current card expires. If your debit card is lost or stolen, only the person with the lost or stolen card will receive a new chip debit card. If you request a new chip card early, only the requester will receive a new card.

Question 51

If I am a new customer and just signed up for an account, will I get both types of cards?

Accepted Answer

No. New customers will only receive a chip debit card.

Question 52

How does the chip work?

Accepted Answer

When you insert your chip debit card at a chip-enabled terminal, the embedded microchip generates unique, dynamic data for each transaction. This makes it difficult for fraudsters to duplicate your account information, which in turn, can reduce the risk of fraudulent transactions on your account.

Question 53

Are chip payments contactless or a type of Near Field Communication (NFC) payment?

Accepted Answer

No. Your Discover debit card with chip technology requires contact with the terminal's chip reader. Waving your card in front of the terminal will not work.

Question 54

How can I make deposits to my account?

Accepted Answer

Complete an online transfer from an eligible Discover Bank account
Complete an online transfer from an external bank account to your Money Market account
Set up Direct Deposit
Deposit a check with Discover's Mobile Check Deposit using your mobile device
Mail a check that includes your account number, made payable to you or Discover Bank to:

Discover Bank
PO Box 30417
Salt Lake City, UT 84130

Travelers Checks are not accepted for deposit

Question 55

How can I withdraw money?

Accepted Answer

You can withdraw money from your Money Market Account in the following ways:

Click here to locate an ATM near you.

Question 56

What is Direct Deposit?

Accepted Answer

Direct Deposit is a secure and convenient way to have all or a portion of your paycheck or other recurring electronic deposits automatically deposited into your bank account. Funds you may choose to Direct Deposit include employment checks, federal payments, government refunds, stimulus checks, retirement account payments, and more.

Question 57

Can I set up Direct Deposit with Discover?

Accepted Answer

Yes! Discover has worked with Pinwheel to make it easy for you to automatically enroll your Discover Bank savings and money market account in direct deposit.

Alternatively, you can use our Direct Deposit Form, or you may be able to set it up through your employer or other types of payors by filling out an electronic or paper form with them. You will need your Discover Bank account and routing numbers to get started, which can be found by logging in on the Discover app or online. Please note that our routing number for direct deposit is 031100649.

Question 58

Why set up Direct Deposit with Discover?

Accepted Answer

By choosing Direct Deposit with Discover, you can take advantage of features like Early Pay to get your funds up to two days early*. Early Pay is a free feature and is automatically available when you enroll in Direct Deposit. You’ll also enjoy paperless transactions that save time and paper. You can always update your Direct Deposit settings if you’ve switched jobs, changed banks, just want to set aside money for a rainy day, or have other changes, such as to the amount of your deposit.

*Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early. See our Deposit Account Agreement for more information.

Question 59

Can I choose how much of my paycheck is directly deposited?

Accepted Answer

It depends. If you are setting up Direct Deposit with Discover through our automatic set up, you can select from the following options:

Full paycheck
Partial paycheck – amount, percent, or remainder (the remainder of your paycheck will be deposited after existing allocations are made)

If you are setting up Direct Deposit using our Direct Deposit Form or your payor’s electronic or paper form, your options may be different.

Question 60

Can I divide my Direct Deposit across multiple accounts?

Accepted Answer

It depends on the payor. Please note that if you are setting up Direct Deposit with Discover through our automatic set up, you will need to submit a request for each account.

Question 61

How long does it take for my Direct Deposit to appear in my account?

Accepted Answer

Please allow up to two pay cycles for your funds to begin appearing in your Discover Bank deposit account.

Question 62

Are there any fees to set up Direct Deposit?

Accepted Answer

There are no fees to set up and maintain Direct Deposit.

Question 63

When will I start earning interest on new deposits?

Accepted Answer

If we receive your deposit before your Account is opened, interest will begin to accrue on the deposit on the Business Day your Account is opened. Once an Account is opened, interest begins to accrue on a deposit on the Business Day we receive your deposit.

Question 64

How is interest on my Discover account calculated?

Accepted Answer

Interest is compounded daily and credited to your account monthly.

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