Discover® checking and savings simply work better together
No credit checks, no minimums. Apply in minutes today.
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
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
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).
Bank without fees
That’s right—you won’t be running into any account fees when you bank with us.
Get help when you need it
Call 1-800-347-7000 where you can talk to a real person from our customer service team.
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.
Non-APY comparison conducted by an independent research firm and based on data compiled in October 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.
Some banks may offer relationship or promotional rates with higher APY rates when all requirements are met.
X.XX%
Annual Percentage Yield (APY). Advertised Online Savings Account 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.
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.
Interest compounded/paid
Daily/Monthly
Monthly/Monthly
Monthly/Monthly
Monthly/Monthly
Daily/Statement Period
Daily/Monthly
Daily/Monthly
Daily/Quarterly
Daily/Statement Period
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
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.
Non-APY comparison conducted by an independent research firm and based on data compiled in October 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.
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.
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