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1% cash backEarn 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. with checking

Open a Checking Account Open a Checking Account

X.XX% APYAdvertised Online Savings Account Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open. with savings

Open a Savings Account Open a Savings Account
Each account will need to be opened separately.

Open both accounts to access more features

Our checking and savings account work together to protect you from overdrafts, automate your savings, and help you make the most of every dollar.

Free overdraft coverage

Link your checking and savings account together and stay ahead of accidental overdrafts with our Overdraft Protection feature.

Auto redemption

Send the cash back you earn with your checking account right to your savings each month so it can earn interest with Auto Redemption.

Split your deposits

Set up direct deposit and get paid up to two days early.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. You can even split your deposit between your checking and savings account.

Checking Account

Earn up to $360 cash back annuallyEarn 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.

Savings Account

Earn 5X more interest than the National Savings AverageThe Annual Percentage Yield (APY) for the Online Savings Account as of XX/XX/XXXX is more than five times the national average APY for interest bearing savings accounts with a balance of $500 as reported by Curinos as of XX/XX/XXXX. National average is based on information regarding the top 50 banks (by deposit size) and may not include information from variations in regional pricing at such banks or information from products that may not be widely available to their customers. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. APYs are subject to change at any time.

Everything you want in a bank and more

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Count on FDIC coverage

Your accounts are FDIC-insured up to the maximum amount allowed by the law.

For more information on FDIC deposit insurance (including information on deposit ownership categories), or for help calculating your coverage, visit EDIE.FDIC.gov or call the FDIC at 1-877-275-3342 (1-877-ASKFDIC).

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Bank without fees

That’s right—you won’t be running into any account fees when you bank with us.
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Get help when you need it

Our U.S.-based customer service agents are here 24/7 to answer any questions you might have.

You can reach a live agent any time by calling 1-800-347-7000. Certain specialized customer service agents may not be available 24/7.

NerdWallet’s 2025 winner for Best Online Banking Experience Overall NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.


Manage your money with the Discover® App

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  • Account alerts
  • Zelle®
  • P2P payments
  • And much, much more!
Download the Discover App today
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