Online Banking Features and Benefits

Everything you want from a bank without setting foot in one.

Girl with her pet dog

Control, rewards and convenience—online banking features you need

Manage your money with the Discover® App
You’re in control with Online bill pay, Mobile check deposit and more—anytime, anywhere.
Earn rewards and stay secure with Apple Pay™
It's easy to link your debit card with Apple Pay to start earning bank rewards.
Send and receive money with Zelle®
Zelle® is fast. Whether you’re sending or receiving, Discover doesn’t charge any fees to use Zelle.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.


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. See Terms and Conditions for details.


To use Zelle® with Discover, an Account Center registered Discover checking, savings, or money market account that has been open for at least 90 days is required. Discover and Zelle® do not offer a protection program for any authorized payments made with Zelle®.


In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle®


Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

ATMs where you need them

Find 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. 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.

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 Certificate of Deposit.

That’s right! No fees for everyone, on every account.

  • No monthly fees
  • No insufficient funds or overdraft fees
  • No minimum balance required to avoid monthly fees
Which account is right for you?

Right here where you need us

24/7 customer service
Our U.S.-based Banking Specialists are here to help anytime at 1-800-347-7000.
Your deposits are insured up to the maximum allowed by law, so rest easy knowing you’re protected.

Discover Bank is a Member of FDIC. Funds in Discover Bank deposit accounts are insured for up to $250,000 per depositor for each account ownership category.

Security you can count on
Have peace of mind with Proactive Fraud Monitoring, Enhanced Account Verification. Secure Online/Mobile Banking and more.