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.
See Deposit Account Agreement for details on transaction eligibility, limitations and terms.
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.
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.
Overdraft Protection will require a second account, which is typically a Money Market or Online Savings Account.
Balance+ is a no-fee overdraft coverage that applies to your debit card transactions. It is not available to cover checks, ATM/Cash withdrawals, or other electronic payments, such as Zelle®. Repayment is due immediately. Balance+ is provided at our discretion, and we may decline to cover any debit card transaction, for example, if we suspect the transaction is fraudulent. Please review the agreement as other terms and conditions apply.
Comparison conducted by an independent research firm and based on data compiled in July 2024 from company websites, customer service agents, and consumer checking account offers. In some cases, competitors assess and/or waive fees if certain criteria are met. The non-Discover Bank service marks for Chase, Bank of America, Wells Fargo, U.S. Bank, Chime, Capital One and Fifth Third are owned by each respective entity.
Comparison conducted by an independent research firm and based on data compiled in July 2024 from company websites, customer service agents, and consumer checking account offers. In some cases, competitors assess and/or waive fees if certain criteria are met. The non-Discover Bank service marks for Chase, Bank of America, Wells Fargo, U.S. Bank, Chime, Capital One and Fifth Third are owned by each respective entity.
Discover Cashback Debit |
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Chase Total Checking |
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Bank of America Advantage Plus |
Remove Bank
Wells Fargo Everyday Checking |
Remove Bank
U.S. Bank Smartly Checking |
Remove Bank
Chime Chime Banking |
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Capital One 360 Checking |
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Fifth Third Momentum Checking |
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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. |
Yes | No | No | No | No | No | No | No |
Access to over 60,000 NO-FEE ATMs in the U.S. |
Yes | No | No | No | No | Yes | Yes | No |
Fee-free overdraft protection transfer service Some competitors may have fees regarding excess number of transactions from a savings or money market account that may impact overdraft protection transfer services. |
Yes | Yes | No | Yes | Yes | No | Yes | Yes |
Get paid up to 2 days early with Direct 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. |
Yes | No | No | Yes | No | Yes | Yes | Yes |
Send and receive money with Zelle® |
Yes | Yes | Yes | Yes | Yes | No | Yes | Yes |
Free help removing your personal info from select people-search websites. Activate by mobile app Online Privacy Protection is offered by Discover Bank at no cost and only available in the mobile app. About every 90 days we will scan at least 10 people-search sites for your online personal information and help you submit opt-out requests. Types of personal information found on these sites will vary. |
Yes | No | No | No | No | No | No | No |
Freeze debit card When you freeze your debit card, Discover will not authorize new purchases, or ATM transactions, with that frozen debit card. Most other account activity will continue as normal, including previously scheduled and recurring transactions, internal and external transfers, deposits, online bill payments from the Discover Account Center, returns, credits, dispute adjustments, reward redemptions, and checks paid. |
Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Comparison conducted by an independent research firm and based on data compiled in July 2024 from company websites, customer service agents, and consumer checking account offers. In some cases, competitors assess and/or waive fees if certain criteria are met. The non-Discover Bank service marks for Chase, Bank of America, Wells Fargo, U.S. Bank, Chime, Capital One and Fifth Third are owned by each respective entity.
Discover Cashback Debit |
Remove Bank
Chase Total Checking |
Remove Bank
Bank of America Advantage Plus |
Remove Bank
Wells Fargo Everyday Checking |
Remove Bank
U.S. Bank Smartly Checking |
Remove Bank
Chime Chime Banking |
Remove Bank
Capital One 360 Checking |
Remove Bank
Fifth Third Momentum Checking |
|
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No monthly fee (no balance or activity requirements) In some cases, competitors assess and/or waive fees if certain criteria are met. |
Yes | No | No | No | No | Yes | Yes | Yes |
No fee for insufficient funds Some competitors may have minimum thresholds before insufficient funds fees are applied and may have a cap on the number of insufficient funds fees charged in a timeframe. |
Yes | No | Yes | No | No | Yes | Yes | No |
No-fee official bank check |
Yes | No | No | No | No | No | No | $10 |
No-fee for expedited delivery of your replacement debit card |
Yes | No | No | Yes | Yes | No | Yes | No |
No-fee check reorder |
Yes | No | No | No | No | No | No | No |
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.
You may earn 1% cash back on up to $3,000 in debit card purchases each month*. That's up to $360 each year!
* See Deposit Account Agreement for details on transaction eligibility, limitations and terms.
You can deposit funds to your Cashback Debit Account in the following ways:
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. 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.
Yes, your Cashback Debit account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.