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Online Banking Features and Benefits

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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

Features and benefits you need to bank better

Security
Encryption, fraud monitoring, and enhanced account verification are just a few of the ways we work to keep you protected.

Zelle® 
Use Zelle® to send and receive money from the people you trust, even if they don’t bank with Discover®.1

ATM Finder
Get access to over 60,000+ no-fee ATMs 
in the U.S. right from the app.

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.


Find ATMs
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Manage your money with the Discover® App
You’re in control with online bill pay, Mobile Check Deposit and more—anytime, anywhere.
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.
Learn more about the app
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Talk with a real person 24/7
Our 100% U.S.-based customer service team is here for you at  1-800-347-7000.
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Earn rewards and stay secure with Digital Wallets
It’s easy to link your debit card and earn cash back rewards.
Learn More
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Save with confidence—you’re FDIC-insured

  • FDIC deposit insurance is up to $250,000 per depositor, per insured bank, per deposit ownership category
  • May apply to retirement accounts
  • Coverage is automatic

We’ve got tips to help manage your money

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Online and Mobile Banking FAQ

With the Discover Mobile App for Android, iPhone, and tablet you
are able to:

  • Deposit Checks via our Mobile Check Deposit Service
  • View account balances and see recent account activity
  • Pay bills via our Bill Payment Service
  • Set up one-time or recurring transfers
  • View scheduled transfers and payments
  • Contact customer service
  • Redeem your Cashback Bonus
  • View your account number & routing number
  • Update your Profile & Settings
  • Find no-fee ATMs nearby
  • Manage Alert preference

You must be registered for the Discover Account Center to use our Discover App. You can also download the app by texting APP to 20877 Message and data rates may apply.

Yes. The safety and security of your Online Banking accounts are top priority. Here are a few of the ways we help protect your accounts and information:

  • We use sophisticated encryption technology to prevent unauthorized access to your information online and in the Discover mobile app.
  • We proactively monitor your accounts for potential fraud and will reach out if we see anything suspicious.
  • Discover Bank is a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposits are FDIC-insured up to the maximum allowed by law.
  • We offer tools you can enroll in, such as account alerts, to help you boost your account's security.

To learn more, visitor our Online Banking Security Center.

Yes. You will earn 1% cashback on up to $3,000 in debit card purchases each month with your Discover Cashback Debit card*, including when you use your Digital Wallet. If your digital wallet purchases are made using Apple Pay, Google Pay and Samsung Pay you will earn rewards just like you would with your physical card.

*Earn 1% cash back on up to $3,000 in debit card purchases each month. See Deposit Account Agreement for details on transaction eligibility, limitations and terms.

Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust, even if they bank somewhere different than you.1 All you need is your recipient’s email address or U.S. mobile number and money will be sent directly from your account to theirs in minutes1. No account numbers are shared.

1U.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. Neither Discover nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

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.