*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 U.S. and other countries.

The difference is surprising.

Comparison conducted by an independent research firm and based on data compiled in February 2019 from company websites, customer service agents and consumer checking offers. In some cases competitors assess and/or waive fees if certain criteria are met. Registered trademarks are properties of their respective owners.

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

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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 U.S. and other countries.

In each calendar year (January 1 through December 31), the first eligible fee charged to each eligible Checking account or Online Savings Account will be automatically waived and credited to your account. Eligible fees include: Insufficient Funds and Stop Payment. Wire transfer fees are not eligible and will not be waived. In some cases, competitors assess or waive fees if certain criteria are met. Fees incurred prior to May 7, 2018 are not eligible for reimbursement.

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How much do you use your debit card? Our rewards checking account will make you want to use it even more.

Please enter an amount between $1 and $3,000.
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MONTHLY CASH BACK
YEARLY CASH BACK

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cash back into savings.

Jump-start your savings without lifting a finger. Enroll and we will automatically deposit your cash back into a Discover Online Savings Account every month. Just set it, forget it and watch your savings grow.

We don’t hide the few fees we have.

We dislike fees as much as you do! Our online checking account comes with no hidden fees and First Fee Forgiveness. Should you need it, your first fee is on us.

In each calendar year (January 1 through December 31), the first eligible fee charged to each eligible account (which includes Cashback Debit, Money Market, Premium and Online Savings Accounts) will be automatically waived and credited to your account. Eligible fees for Premium and Online Savings include: Excessive Withdrawal, Insufficient Funds and Stop payment fees. Wire transfer fees are not eligible and will not be waived.

$0
  • Monthly maintenance
  • Online bill pay
  • Check order
  • Replacement debit card
  • Official bank check
  • Outbound ACH transfers (to an external bank)

    These can take between 0 (same day) and 4 business days. The delivery and/or funds availability dates for each transfer scheduled will be displayed on the confirmation page in the Account Center or in the mobile app.

  • Incoming wire (from an external bank)

    Wire transfers received before 4pm Eastern Time are posted to your Account on the Business Day we receive them. Wire transfers received after 4pm Eastern Time are posted to your Account on the next Business Day, with an effective date of the Business Day the funds were received. In some circumstances, a wire transfer may require additional processing time and will be posted to your Account upon completion of processing, with an effective date of the Business Day the funds were received.

$15
  • Stop payment (per request)
$30
  • Outgoing wire (to an external bank)

    Requests received and fully verified at or before 3pm Eastern Time on a Business Day will be processed as of that Business Day. Wire transfer requests received and fully verified after 3pm Eastern Time on a Business Day, or at any time on a day that is not a Business Day, will not be processed until the next Business Day.

  • Insufficient funds
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See 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. 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.

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