ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.
Outgoing wire transfers are subject to a service charge. You may be charged a fee by a non-Discover ATM if it is not part of the 60,000+ ATMs in our no-fee network.
Comparison conducted by an independent research from and based on data compiled in July 2020 from company websites, customer service agents, and consumer checking offers. In some cases, competitors assess and/or waive fees if certain criteria are met. The non-Discover Bank service marks for Bank of America, Capital One 360, Chase, Chime, Citibank, Wells Fargo, Fifth Third, PNC, and U.S. Bank are owned by each respective entity. Although the information by independent research firm has been obtained from the various institutions, the accuracy cannot be guaranteed.
Discover Cashback Debit |
Remove Bank
Chase Total Checking |
Remove Bank
Citibank Basic Checking |
Remove Bank
Bank of America Advantage Plus Banking |
Remove Bank
Wells Fargo Everyday Checking |
Remove Bank
U.S. Bank Easy Checking |
Remove Bank
Chime Bank Chime Banking |
Remove Bank
Fifth Third Bank Essential Checking |
Remove Bank
Capital One 360 Checking |
|
---|---|---|---|---|---|---|---|---|---|
1% cash back on up to $3,000 in debit card purchases each month ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards. In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards. Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc. |
Yes | No | No | No | No | No | No | No | No |
Access to over 60,000 no-fee ATMs in the U.S. |
Yes | No | Yes | No | No | No | No | No | No |
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 | Yes | Yes | Yes |
Discover Cashback Debit |
Remove Bank
Chase Total Checking |
Remove Bank
Citibank Basic Checking |
Remove Bank
Bank of America Advantage Plus Banking |
Remove Bank
Wells Fargo Everyday Checking |
Remove Bank
U.S. Bank Easy Checking |
Remove Bank
Chime Bank Chime Banking |
Remove Bank
Fifth Third Bank Essential Checking |
Remove Bank
Capital One 360 Checking |
|
---|---|---|---|---|---|---|---|---|---|
No monthly fee (no balance or activity requirements) |
Yes | No | No | No | No | No | Yes | No | Yes |
No fee for insufficient funds |
Yes | No | No | No | No | No | Yes | No | No |
No-fee official bank check |
Yes | No | No | No | No | No | N/A | No | No |
No-fee for expedited delivery of your replacement debit card |
Yes | No | No | No | Yes | No | Yes | No | No |
No-fee outbound ACH transfers (to an external bank) Limitations apply. |
Yes | Yes | Yes | No | Yes | No | Yes | No | Yes |
No-fee check order |
Yes | No | No | No | No | No | N/A | No | No |
No-fee online bill pay |
Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
No-fee replacement debit card |
Yes | Yes | Yes | No | Yes | Yes | Yes | Yes | Yes |
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.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address.
Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle enrollment. Message and data charges from your carrier may apply. Transaction limitations may apply.
To use Zelle with Discover, an account center registered Discover checking, savings, or money market account is required. Discover and Zelle do not offer a protection program for any authorized payments made with Zelle.
For more information regarding the Discover Bank Mobile Check Deposit Service, click here.