Discover® checking and savings simply work better together
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
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 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
Auto redemption
Split your deposits
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
Count on FDIC coverage
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).
Bank without fees
Explore how we stack up to the competition
EXPAND ALL
Compare Checking Accounts
Comparison conducted by an independent research firm and based on data compiled in June 2025 from company websites, customer service agents, and consumer checking account offers. In some cases, competitors assess and/or waive fees if certain criteria are met. The non-Discover service marks for Chase, BankAmerica Corp., Wells Fargo & Co., Chime Financial, Inc. and Fifth Third Bancorp are owned by each respective entity.
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Discover Cashback Debit |
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Chase® Chase Total Checking® |
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Bank of America® Advantage Plus® |
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Wells Fargo® Everyday Checking® |
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Chime® Chime Banking |
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Fifth Third® Fifth Third Momentum® Checking |
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1% cash back on up to $3,000 in debit card purchases each month 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. |
Yes | No | No | No | No | No |
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Access to over 60,000 NO-FEE ATMs in the U.S. |
Yes | No | No | No | Yes | No |
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Fee-free overdraft protection transfer service Some competitors may have fees regarding excess number of transactions from a savings or money market account that may impact overdraft protection transfer services. |
Yes | Yes | Yes | Yes | No | Yes |
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Get paid up to 2 days early with Direct Deposit 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. |
Yes | No | No | Yes | Yes | Yes |
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Send and receive money with Zelle® |
Yes | Yes | Yes | Yes | No | Yes |
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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. |
Yes | Yes | Yes | Yes | Yes | Yes |
Choose up to 3 banks you'd like to compare.
Comparison conducted by an independent research firm and based on data compiled in June 2025 from company websites, customer service agents, and consumer checking account offers. In some cases, competitors assess and/or waive fees if certain criteria are met. The non-Discover service marks for Chase, BankAmerica Corp., Wells Fargo & Co., Chime Financial, Inc. and Fifth Third Bancorp are owned by each respective entity.
Compare Savings Accounts
Non-APY comparison conducted by an independent research firm and based on data compiled in June 2025 from company websites, customer service agents, and consumer savings account offers. In some cases, competitors assess and/or waive fees if certain criteria are met.
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Discover Online Savings Account |
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Chase® Chase SavingsSM |
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PNC Bank® Standard Savings |
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Bank of America® Advantage Savings |
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Ally Bank® Online Savings Account |
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Citibank® Citi® Savings |
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Wells Fargo® Way2Save® Savings |
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Marcus® Online Savings Account |
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Annual percentage yield Some banks may offer relationship or promotional rates with higher APY rates when all requirements are met. |
X.XX%
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. |
X.XX%
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. |
X.XX%
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. |
X.XX%
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. |
X.XX%
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. |
X.XX%
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. |
X.XX%
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. |
X.XX%
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. |
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Interest compounded/paid |
Daily/Monthly | Monthly/Monthly | Monthly/Monthly | Monthly/Monthly | Daily/Statement Period | Daily/Monthly | Daily/Monthly | Daily/Quarterly | Daily/Statement Period |
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Monthly fee In some cases, competitors may assess or waive fees if certain conditions are met. |
$0 | $5 | $5 | $8 | $0 | $4.50 | $5 | $5 | $0 |
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Insufficient funds fee Some competitors have minimum thresholds before insufficient funds fees are applied and may have a cap on the number of insufficient funds fees charged in a timeframe. |
$0 | $34 | $36 | $0 | $0 | $0 | $35 | $36 | $0 |
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Minimum opening deposit |
$0 | $0 | $0 | $100 | $0 | $0 | $25 | $25 | $0 |
Choose up to 3 banks you'd like to compare.
Non-APY comparison conducted by an independent research firm and based on data compiled in June 2025 from company websites, customer service agents, and consumer savings account offers. In some cases, competitors assess and/or waive fees if certain criteria are met. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally.
Manage your money with the Discover® App
- Mobile Check Deposit
- Online bill pay
- Easy money transfers
- Account alerts
- Zelle®
- P2P payments
- And much, much more!
