Discover Open an Account

The FREE checking account
that pays you back.

No monthly fees plus get a
$50 BONUS* through 3/31/15.

Open an Account
Offer is available only to current Discover credit card members or deposit customers, excluding current or previous Cashback Checking customers. Account is subject to approval and must be opened between 12/27/14-3/31/15. Limit 1 per customer and 1 per account. Bonus will be issued by 4/30/15 as a credit to your Cashback Checking account, which must be open when issued. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified or withdrawn without notice. 10 Cents Coffee

Get paid for your transactions.

Earn 10 cents Checking Cashback Bonus on up to 100 transactions per month for:

  • Debit card purchases
  • Online Bill Payments
  • Checks cleared

Checking Cashback Bonus can be redeemed as cash to your Discover Cashback Checking® account or transferred to a Discover Credit Card Cashback Bonus account.

 

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Why pay more when you don't have to?

Compare Discover Cashback Checking® to other banks, and see how you can eliminate fees.

  logo_discover-camparison-chart

Select a Bank

  • Chase® Total Checking
  • Citibank® Basic Checking
  • Bank of America® Core Checking
  • Wells Fargo® Value Checking
Rewards on Debit Purchases, Checks Cleared and Online Bill Payments

(Up to 100 transactions per month)

YES
NO
NO
NO
NO
Monthly Fee

(No Balance or Activity Requirements)

FREE
$10 / $12
$12
$12
$10
FREE ATMs

In the U.S.

60,000+
18,000+
34,000+
18,000+
12,000+
ATM Fee

At Other ATMs in the U.S
ATM Owner May Also Have a Fee

FREE
$2.00
$2.50
$2.50
$2.50
Replacement Debit Card FREE
FREE
FREE
$5
FREE
Expedited Delivery for your Replacement Debit Card FREE
$5
$6
$15
N/A
Online Bill Pay FREE
FREE
FREE
FREE
FREE
Official Bank Check FREE
$8
$10
$10
$10
Check Reorder FREE
$18.95
$20.95
$26.00
$20.00
Paper Copy of Check or
Deposit Item
FREE
FREE
FREE
FREE
FREE
Deposited Item Returned

(per item)

$15
$12
$12
$12 / $15
$12
Stop Payment

(per request)

$15
$25 / $30
$30
$30
$31
Outbound ACH Online Transfer

to an external bank

FREE
FREE
FREE
FREE
FREE
Incoming Wire

from an external bank

FREE
$15
$15
$15 - $16
$15
Outgoing Wire

to an external bank

$30
$25 - $45
$25 - $45
$25 - $45
$30
Insufficient Funds1 $30
$34
$34
$35
$35
Maximum Number of
Insufficient Funds Fees
per Day
1
3
4
4
4

 

Comparison conducted by an independent research firm and based on data compiled in January 2015 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 the properties of their respective owners.
In some cases, competitors assess and/or waive fees if certain criteria are met.

Account access anytime, anywhere.

iphone-panel-checking
iphone-panel-transfer
iphone-panel-transfer

View
Activity

  • Stay on top of your account activity
  • Securely access your account on the go from any compatible phone or tablet
  • 24/7 U.S.based banking specialists are available via phone
  • $0 Online Fraud Liability Guarantee protects you from unauthorized charges

Manage your account on the go with the Discover Mobile App for iPhone®, iPad®, AndroidTM Phones, and AndroidTM Tablet.

FREE withdrawals at over 60,000 ATMs with your debit card.

Redeem your Checking Cashback Bonus for any amount.

cbc-bonus-lt

Redeem as cash to
your Discover Cashback
Checking account.

cbc-bonus-ctr

Transfer to a Discover
credit card Cashback
Bonus
account.

All About Discover Cashback Checking®

Get your questions answered quickly.

About Your Account

How do I know if I am eligible to apply for a Discover Cashback Checking® Account?

All Discover credit card members and bank account owners are eligible to apply for a checking account.

Am I required to maintain a minimum balance?

You are not required to maintain a monthly minimum balance.

What is the Discover Bank routing number?

The Discover Bank routing number is 031100649 for direct deposit and electronic transfers made by ACH, but not for wire transfers.

When initiating an incoming wire, please wire funds to:

  • Mellon Bank - Routing Number 043000261
  • Discover Account - 9914394
  • Further credit your name and your Discover Bank account number
How do I complete a wire transfer?

To complete an outbound wire transfer, click here to access a Wire Transfer Form.

When initiating an incoming wire, please wire funds to:

  • Mellon Bank - Routing Number 043000261
  • Discover Account - 9914394
  • Further credit your name and your Discover Bank account number
What fees are associated with my Discover Cashback Checking® Account?

There is no monthly maintenance fee or minimum balance requirements for a Cashback Checking Account. Below are the fees that apply to your account:

Cashback Checking Fee Chart
Deposited Item Returned (per item) $15
Stop Payment (per item to stop payment for 6 months) $15
Outgoing Wire Transfer $30
Insufficient Funds Fee (Maximum 1 per day) $30
How can I access and manage my account?

To access and manage your account, please click here to log into the online Account Center. You also can manage your account via our Discover Bank Mobile App.

What should I do if I forget my User ID and Password?

If you forget your User ID or Password, click here. If you are still unable to log in, please call our Banking Specialists at 1-800-347-7000.

Is the Cashback Checking Account FDIC-insured?

Yes, funds on deposit at Discover Bank are FDIC-insured to the maximum allowed by law. For more information, click here to access complete details regarding our FDIC policy.

How can I reorder checks or deposit tickets?

You may reorder additional checks or deposit tickets online via the Account Center, or over the phone at 1-800-347-7000.

How do I initiate a Stop Payment on a check?

To request a stop payment on a check, contact us at 1-800-347-7000 with the check date, amount, number, and payee name (if available).

Does my Discover Cashback Checking® account provide the option to enroll in overdraft protection?

At this time, we do not offer overdraft protection.

Opening an Account

How do I open a Discover Cashback Checking® Account?

You may only open a Cashback Checking Account online. Please click any "Open an Account" button on this page to begin the application process. If you have any questions before opening an account, please call our Banking Specialists at 1-800-347-7000.

What is the minimum deposit amount to open my account?

The minimum opening deposit is $25. Once your account is funded, there is no minimum balance requirement.

When will I receive my debit card and Checks?

You should receive them within ten days after opening your account. Additionally, you will receive a Personal Identification Number (for your debit card), in a separate mailing, a few days after receiving your card. Once you receive your PIN, you can change it online in the Account Center or over the phone through our automated system at 1-800-347-7000.

Deposits & Withdrawals

How can I make deposits to my Discover Cashback Checking® Account?

You can fund your Cashback Checking Account in the following ways:

  • Online transfer from an external bank account to your Cashback Checking Account
  • Through Direct Deposit
  • Deposit a check with Discover's Mobile Check Deposit using your mobile device. To learn more, click here.
  • Set up a Wire Transfer - please wire funds to:

    Mellon Bank - Routing Number 43000261
    Discover Account - 9914394
    Further credit your name and Discover Bank account number

  • 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

How can I withdraw money?

You can withdraw money from your Discover Cashback Checking® Account in the following ways:

  • FREE cash withdrawals at over 60,000 Allpoint® and MoneyPass® ATMs.
    • Use online and mobile ATM Locators to find a FREE ATM near you
  • Use your debit card at 415,000 ATMs nationwide, anywhere you see the Discover®, Diners Club® International® or PULSE® logo.
    • Discover will never charge you a fee to use an ATM; however, the owner of an ATM outside of the Allpoint® and MoneyPass® networks may charge a fee.
  • Use your debit card to pay for purchases wherever you see the Discover®, PULSE® or Diners Club International® logo
  • Choose additional cash over at participating retailers when you use your Discover debit card
  • Online transfer to an external bank account
  • Use online bill pay
  • Write a check
  • Request an official bank check
  • Wire Transfer (fee applies). To access the wire transfer form, click here.

Debit Card Overview

How do I activate my debit card?

You can activate your debit card online via the Account Center or by calling 1-877-347-4055. To activate your card online, click here to log into your account. Once logged in, select the Customer Service option from the main navigation and click on "Activate Debit Card" under the Transaction Accounts section.

How do I change my debit card Personal Identification Number (PIN)?

Once you receive your PIN, you can change it online in the Account Center or by using our automated system at 1-800-347-7000. To change your PIN online, you will need to login to your account. Once logged in, select the Customer Service option from the main navigation and click on "Change Debit Card PIN" under the Transaction Accounts section.

How can I locate an ATM near me?

Use our ATM Locator, available online or in our Mobile App, to find nearby ATMs, including FREE Allpoint® or MoneyPass® ATMs.

What happens if my debit card is lost or stolen?

If your debit card is lost or stolen, please call us immediately at 1-800-347-7000.

Is there a fee for using my debit card at an ATM?

60,000 ATMs through the Allpoint® or MoneyPass® networks are completely FREE of charge and can be found at a variety of locations including retailers such as Target, CVS, Walgreens, and Wal-Mart. Use our online or mobile ATM locator to find a FREE ATM location nearby.

An ATM owner outside of the Allpoint or MoneyPass networks may charge a fee. Discover will not charge you a fee for using your debit card at any ATM.

What happens if I am charged an ATM fee at an AllPoint® or MoneyPass® location?

If you are at an Allpoint or MoneyPass ATM and it indicates you are being charged a fee, accept the fee and proceed with your transaction. Then notify Discover Bank by sending a message through our Secure Message Center or calling us at 1-800-347-7000.

Please provide the following information and we will credit your account for the fee.

  • Date and time of the transaction
  • ATM location
  • Last four digits of your debit card
  • Amount of the fee you were charged
Where can I use my debit card to make purchases?

Your Discover debit card is accepted nationwide wherever you see the Discover®, PULSE®, or Diners Club International® logos.

Where can I get additional cash over a purchase?

Cash over is available at participating retailers nationwide.

Can I use my debit card outside of the United States?

You can use your Discover debit card to withdraw cash at ATMs and make purchases at participating merchants in, Canada, Mexico and the Caribbean wherever you see the Discover®, PULSE®, or Diners Club International® symbols.

Is there a daily limit to the amount of money I can withdraw from an ATM with my debit card?

Yes. The Discover ATM withdrawal limit is $510 per day. Some ATMs may have lower withdrawal limits, but you may complete multiple transactions until you meet the Discover withdrawal limit of $510 per day.

Cashback Bonus Rewards

How do I earn Cashback Bonus with my Discover Cashback Checking® Account?

You may earn Cashback Bonus in the following ways on payments or purchases, up to 100 each month:

  • $0.10 for purchases made using your Discover Debit Card
  • $0.10 for bills paid using our Online Bill Payment service
  • $0.10 for checks you write that clear your account
If I have a Discover Credit Card and a Discover Cashback Checking® Account, can I combine the Cashback Bonus?

The Cashback Bonus rewards from your credit card account and your checking account will be maintained separately. However, you will be able to transfer Cashback Bonus earned with your Cashback Checking Account to your Discover Credit Card Cashback Bonus Account in any amount.

Where can I see the Cashback Bonus I have earned with my checking account?

You may view Cashback Bonus earned from your Discover Cashback Checking® Account in the Rewards Detail section in your online Cashback Checking account summary, and in your Cashback Checking statement.

Checking Cashback Bonus rewards transferred to a Discover Credit Card Cashback Bonus Account may be viewed in the "Rewards Details" in the Cashback Bonus Balance section in the online Discover Credit Card account summary and on your monthly Credit Card statement.

What do I do if I see that my rewards have not posted correctly?

If your rewards have not posted correctly, please call us at 1-800-347-7000 to speak with one of our Banking Specialists.

How can I redeem my checking Cashback Bonus?

You can redeem your Checking Cashback Bonus via the Account Center by selecting "Redeem Rewards" within your Cashback Checking Account Summary.

What are my redemption options?

You can redeem your Cashback Bonus earned from your Discover Cashback Checking® Account in any amount in the following ways:

  • Redeem as cash via credit to your Cashback Checking Account
  • Transfer to a Discover Credit Card Cashback Bonus Account
Will my Cashback Bonus ever expire?

Cashback Bonus earned from Discover Cashback Checking® accounts that are active and in good standing will never expire. For complete details, please see Section 12 in the current Deposit Account Agreement.

If my Discover Card is lost or stolen, will my Checking Cashback Bonus be transferred to my new account?

Yes, we automatically transfer your Checking Cashback Bonus balance to the Checking Cashback Bonus bank linked to your new Discover Cashback Checking® Account.

Can I earn more rewards by splitting up my normal bill payments or debit card transactions?

Your bill payments, debit card transactions and checks are rewarded for normal everyday transactions. As noted in the Deposit Account Agreement, we reserve the right to adjust the amount of your rewards or close your account due to irregular, unauthorized or fraudulent activity in your Checking Account.

For example, splitting up one standard monthly bill payment into several payments to receive $0.10 per payment is deemed as irregular activity as it's not standard bill payment practice. The same holds true for debit card transactions. Asking a merchant to swipe your debit card repeatedly for each item at checkout instead of using your debit card to make a complete purchase of items at one time is recognized as manufacturing transactions and not normal everyday debit card behavior.

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