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.
Checking Account
Apply for a Discover Cashback Debit account without impacting your credit score.
Apply for a Discover Cashback Debit account without impacting your credit score.
Cash Back. No Fees.
Start earning 1% cash back today
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.Plus, rewards never expire.If your Cashback Debit account is closed for any reason, unredeemed Cashback Bonus® may be forfeited.
Bank with a no-fee checking account
No. Fees. Period. That means you won't be charged a fee on our free 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.
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.
Explore the benefits of a Discover checking account
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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™ Google Pay is a trademark of Google LLC., Apple Pay® 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. or Samsung Pay™ Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Use only in accordance with law. Samsung Pay is available on select Samsung devices. and earn rewards on qualifying purchases.
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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. or Samsung Pay™ Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Use only in accordance with law. Samsung Pay is available on select Samsung devices. and earn rewards on qualifying purchases.
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60,000+ fee-free ATMs
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.
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 and receive money from friends and family.
Overdraft Services
Protect your account from overdrafts without worrying about fees.
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Overdraft Protection will require a second account, which is typically a Money Market or Online Savings Account.
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.
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Checking that checks all the right boxes
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.
See how our Cashback Debit account compares to other banks across the board.
Competitive Features
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 |
Remove Bank
Chase® Chase Total Checking® |
Remove Bank
Bank of America® Advantage Plus® |
Remove Bank
Wells Fargo® Everyday Checking® |
Remove Bank
Chime® Chime Banking |
Remove Bank
Fifth Third® Fifth Third Momentum® Checking |
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|---|---|---|---|---|---|---|
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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 |
No Fees
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.
|
Discover Cashback Debit |
Remove Bank
Chase® Chase Total Checking® |
Remove Bank
Bank of America® Advantage Plus® |
Remove Bank
Wells Fargo® Everyday Checking® |
Remove Bank
Chime® Chime Banking |
Remove Bank
Fifth Third® Fifth Third Momentum® Checking |
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|---|---|---|---|---|---|---|
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No monthly fee (no balance or activity requirements) In some cases, competitors assess and/or waive fees if certain criteria are met. |
Yes | No | No | No | Yes | Yes |
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No fee for insufficient funds Some competitors may 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. |
Yes | No | No | No | Yes | No |
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No-fee official bank check |
Yes | No | No | No | No | No |
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No-fee for expedited delivery of your replacement debit card |
Yes | No | No | Yes | No | No |
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No-fee check reorder |
Yes | No | No | No | No | No |
Checking account FAQ
View All FAQHow 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.
- 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 free 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.
