Checking Account

Open a Discover Cashback Debit account with no impact to your credit score.

Open a Discover Cashback Debit account with no impact to your credit score.
banner marquee banner marquee

Start earning 1% cash back today

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), 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, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.

round guy

Bank with a no-fee checking account

No. Fees. Period. That means you won't be charged a fee on our checking account.

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.

Get paid early with direct deposit

Get your paycheck up to two days early when you set up direct deposit for your online checking account.

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.

Explore the benefits of a Discover checking account

prev

Fraud protection

A comprehensive set of features and tools to help protect your checking account from fraud.

Digital wallets

Pair your debit card with Apple Pay® and earn rewards on qualifying purchases.

60,000+ fee-free ATMs

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.

Easily access the cash from your checking account at stores you already visit. ATM Finder

Mobile first banking

Use the Discover® App to complete all your banking needs—in the palm of your hand.

Send money with Zelle®

Send money to and receive money from friends and family.

FDIC insured

For more detailed information on FDIC insurance coverage, contact the FDIC directly by visiting www.fdic.gov or by calling 1-877-ASKFDIC (1-877-275-3342), (TDD:1-800-925-4618)

Checking account deposits are FDIC-insured up to the maximum allowed by law.
Next

NerdWallet's 2022 Best:

Checking Account & Online Banking Experience NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.

Checking that checks all the right boxes

Comparison conducted by an independent research firm and based on data compiled in April 2022 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, Varo, and Fifth Third are owned by each respective entity.

See how our Cashback Debit account compares to other banks across the board.

COLLAPSE ALL

Discover

Cashback Debit

Remove Bank

Chase

Total Checking

Remove Bank

Bank of America

Advantage SafeBanking

Remove Bank

Wells Fargo

Everyday Checking

Remove Bank

U.S. Bank

Easy Checking

Remove Bank

Chime Bank

Chime Banking

Remove Bank

Capital One

360 Checking

Remove Bank

Varo

Online Checking

Remove Bank

Fifth Third

Momentum Checking

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), 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, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.

Yes No No No No No No No No

Access to over 60,000 NO-FEE ATMs in the U.S.

ATM Finder

Yes No No No No Yes Yes No 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 N/A Yes Yes N/A Yes N/A 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 No No Yes Yes Yes Yes

Send and receive money with Zelle®

Yes Yes Yes Yes Yes No Yes Yes Yes

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 Yes
Add Bank Opens a dialog box

Discover

Cashback Debit

Remove Bank

Chase

Total Checking

Remove Bank

Bank of America

Advantage SafeBanking

Remove Bank

Wells Fargo

Everyday Checking

Remove Bank

U.S. Bank

Easy Checking

Remove Bank

Chime Bank

Chime Banking

Remove Bank

Capital One

360 Checking

Remove Bank

Varo

Online Checking

Remove Bank

Fifth Third

Momentum Checking

No monthly fee (no balance or activity requirements)

Yes No No No No Yes 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 No Yes No

No-fee official bank check

Yes No No No No N/A No N/A No

No-fee for expedited delivery of your replacement debit card

Yes No No Yes No Yes No N/A No

No-fee outbound ACH transfers (to an external bank)

Yes Yes Yes Yes Yes Yes Yes Yes Yes

No-fee check reorder

Yes No N/A No No N/A No N/A No

No-fee online bill pay

Yes Yes Yes Yes Yes Yes Yes Yes Yes

No-fee replacement debit card

Yes Yes No Yes Yes Yes Yes Yes Yes
Add Bank Opens a dialog box

Checking account FAQ

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!

* 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), 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, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.

You can deposit funds to your Cashback Debit Account in the following ways:

  • Online transfer from an external bank account to your Cashback Debit Account
  • Through Direct Deposit
  • Deposit a check payable to you with Discover's Mobile Check Deposit Service using your mobile device. To learn more, click here.
  • Mail a check that is made out to you with your account number on the memo line to:
          Discover Bank
          PO Box 30417
          Salt Lake City, UT 84130

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.

View All FAQ

Apply for a checking account online in minutes

Open an account with no impact to your credit score.
Ready to get started? Opening an account has no impact on your credit score.

Get expert tips for managing your checking account

prev
woman opens an online checking account on her mobile device
What to look for in an online checking account—and how to open one that fits your needs.
woman holding debit card
Learn how to determine your optimal checking account balance.
couple reviewing paycheck statements
Paid biweekly? You get two shots a year to get ahead. Here's how.
Family visiting a museum
With a little creativity, you'll feel like a tourist in your hometown. And your wallet will thank you.
3 friends enjoying lunch together
Insert your debit card, get cash and skip the fee. Here's how.
Two people loading a moving truck
Ready to move out from your parents’ house and live on your own? We have the average costs and expert guidance that you need to financially prepare for the big move.
woman wearing headphones
Follow these simple tips from digital security experts to prevent identity theft by safeguarding your bank account.
Three young adults outdoors
Even if you frequent the app store, you can't leave a checking account out of the money picture.
View all articles
Next