The difference is surprising.

Comparison conducted by an independent research from and based on data compiled in March 2020 from company websites, customer service agents, and consumer checking offers.  In some cases, competitors assess and/or waive fees if certain criteria are met.  The non-Discover Bank service marks for Bank of America, Capital One 360, Chase, Chime, Citibank, Wells Fargo, Fifth Third, PNC, and U.S. Bank are owned by each respective entity.  Although the information by independent research firm has been obtained from the various institutions, the accuracy cannot be guaranteed. 

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

COLLAPSE ALL

Discover

Cashback Debit

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Chase

Total Checking

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Citibank

Basic Checking

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Bank of America

Advantage Plus Banking

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Wells Fargo

Everyday Checking

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U.S. Bank

Easy Checking

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Chime Bank

Chime Banking

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Fifth Third Bank

Essential Checking

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Capital One

360 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.

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Access to over 60,000 no-fee ATMs in the U.S.

ATM Finder

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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.

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Discover

Cashback Debit

Remove Bank

Chase

Total Checking

Remove Bank

Citibank

Basic Checking

Remove Bank

Bank of America

Advantage Plus Banking

Remove Bank

Wells Fargo

Everyday Checking

Remove Bank

U.S. Bank

Easy Checking

Remove Bank

Chime Bank

Chime Banking

Remove Bank

Fifth Third Bank

Essential Checking

Remove Bank

Capital One

360 Checking

No monthly fee (no balance or activity requirements)

Yes No No No No No Yes No Yes

No fee for insufficient funds

Yes No No No No No Yes No No

No-fee official bank check

Yes No No No No No N/A No No

No-fee for expedited delivery of your replacement debit card

Yes No No No Yes No Yes No No

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

Limitations apply.

Yes Yes Yes No Yes No Yes No Yes

No-fee paper copy of check or deposit Item

Limitations apply.

Yes Yes Yes Yes Yes Yes Yes Yes Yes

No-fee check order

Yes No No No No No N/A No No

No-fee online bill pay

Yes Yes Yes Yes Yes Yes Yes Yes Yes

No-fee replacement debit card

Yes Yes Yes No Yes Yes Yes Yes Yes
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See how much cash back you can earn.

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.
$
Enter monthly debit spendingin dollar
MONTHLY CASH BACK
YEARLY CASH BACK

Voila! Turn that

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 said seeya to fees.

No. Fees. Period. That means you won't be charged an account fee on our Cashback Debit account.**

$0
  • Monthly maintenance
  • Withdrawals at over 60,000 ATMs nationwide
  • Replacement debit card
  • Standard checks
  • Official bank check
  • Online bill pay
  • Expedited delivery for debit card replacement
  • Expedited delivery for official bank checks
  • Deposited item returned
  • Stop payment order
  • Insufficient funds
  • Account closure
Get Started

Right here when you need us.

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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    *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.

    ** 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.