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.
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.
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. Additional enrollment eligibility requirements may apply. See Terms and Conditions for details. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Overdraft Protection
Overdraft Protection will require a second account, which is typically a Money Market or Online Savings Account.
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!
*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.
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 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.
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 (and up to 5 days early for your federal tax refund). See our Deposit Account Agreement for more information.
Yes, your Cashback Debit account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.