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.
Introducing Cashback Debit
Bank with a no-fee checking account
No. Fees. Period. That means you won't be charged a fee on our checking account.
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.3
What does Cashback Debit do for you?
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Fraud protection
A comprehensive set of features and tools to help protect your checking account from fraud.
Digital wallets
Link your debit card with Google Pay™ 4, Apple Pay®5 or Samsung Pay™6 and earn rewards on qualifying purchases.
Learn more
Learn more
60,000+ fee-free ATMs7
Easily access the cash from your checking account at stores you already visit. ATM Finder
Add cash to your account
Add cash to your checking account using your contactless debit card at any Walmart in the U.S. — with no fees.
Send money with Zelle®
Use Zelle® to send money to and receive money from friends and family.
Checking account FAQ
How do I earn Debit Card Cashback Bonus with my Discover Cashback Debit 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.
How can I make deposits to my Discover Cashback Debit Account?
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
PO Box 30417
Salt Lake City, UT 84130
What is Early Pay?
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.
Does my Discover Cashback Debit account provide the option to enroll in overdraft protection?
Yes, your Cashback Debit account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.
Apply for a checking account online in minutes
Apply for a Discover Cashback Debit account without impacting your credit score.
Ready to get started? Apply for a Discover Cashback Debit account without impacting your credit score.
1. 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.
2. If your Cashback Debit account is closed for any reason, unredeemed Cashback Bonus® may be forfeited.
3. 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.
4. Google Pay is a trademark of Google LLC.
5. For a list of compatible Apple Pay devices, see https://support.apple.com/en-us/HT208531. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
6. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Use only in accordance with law. Samsung Pay is available on select Samsung devices
7. 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.
8. Overdraft Protection will require a second account, which is typically a Money Market or Online Savings Account.
9. Balance+ is a no-fee overdraft coverage that applies to your debit card transactions. It is not available to cover checks, ATM/Cash withdrawals, or other electronic payments, such as Zelle®. Repayment is due immediately. Balance+ is provided at our discretion, and we may decline to cover any debit card transaction, for example, if we suspect the transaction is fraudulent. Please review the agreement as other terms and conditions apply.