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Cashback Debit

Checking just got more rewarding.

Open an Account

1% cash back

on up to $3,000 in debit card purchases each month. Opens modal dialog

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 U.S. and other countries.

We don’t hide the few fees we have.

Our Cashback Debit account comes with no hidden fees and First Fee Forgiveness. Should you need it, your first fee is on us. Opens modal dialog

In each calendar year (January 1 through December 31), the first eligible fee charged to each eligible account (which includes Cashback Debit, Money Market, Premium and Online Savings Accounts) will be automatically waived and credited to your account. Eligible fees for Premium and Online Savings include: Excessive Withdrawal, Insufficient Funds and Stop payment fees. Wire transfer fees are not eligible and will not be waived.

$0
  • Monthly maintenance
  • Online bill pay
  • Check order
  • Replacement debit card
  • Official bank check
  • Outbound ACH transfers (to an external bank) Opens modal dialog

    These can take between 0 (same day) and 4 business days. The delivery and/or funds availability dates for each transfer scheduled will be displayed on the confirmation page in the Account Center or in the mobile app.
  • Incoming wire (from an external bank) Opens modal dialog

    Wire transfers received before 4pm Eastern Time are posted to your Account on the Business Day we receive them. Wire transfers received after 4pm Eastern Time are posted to your Account on the next Business Day, with an effective date of the Business Day the funds were received. In some circumstances, a wire transfer may require additional processing time and will be posted to your Account upon completion of processing, with an effective date of the Business Day the funds were received.
$15
  • Stop payment (per request)
$30
  • Outgoing wire (to an external bank) Opens modal dialog

    Requests received and fully verified at or before 3pm Eastern Time on a Business Day will be processed as of that Business Day. Wire transfer requests received and fully verified after 3pm Eastern Time on a Business Day, or at any time on a day that is not a Business Day, will not be processed until the next Business Day.
  • Insufficient funds
Get Started

The difference is surprising. Opens modal dialog

Comparison conducted by an independent research firm and based on data compiled in February 2019 from company websites, customer service agents and consumer checking offers. In some cases competitors assess and/or waive fees if certain criteria are met. Registered trademarks are properties of their respective owners.

See how our Cashback Debit account beats other banks across the board.

EXPAND ALL

No-fee features

Discover
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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 U.S. and other countries.
Opens modal dialog

In each calendar year (January 1 through December 31), the first eligible fee charged to each eligible Checking account or Online Savings Account will be automatically waived and credited to your account. Eligible fees include: Insufficient Funds and Stop Payment. Wire transfer fees are not eligible and will not be waived. In some cases, competitors assess or waive fees if certain criteria are met. Fees incurred prior to May 7, 2018 are not eligible for reimbursement.
ADD BANK Opens a dialog box

See how much cash back you can earn.

How much do you use your debit card? Our rewards checking account will make you want to use it even more.

Please enter an amount between $1 and $3,000.
$
Enter monthly debit spending
MONTHLY CASH BACK
YEARLY CASH BACK

Voila! Turn that

cash back into savings.

Jump-start your savings without lifting a finger. Enroll and we will automatically deposit your cash back into a Discover Online Savings Account every month. Just set it, forget it and watch your savings grow.

We’re right on your way.

See which of our over 60,000 no-fee ATMs are at the stores you already frequent. Opens modal dialog

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.

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No-Fee ATMs All ATMs

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    Yes, you can take it with you.

    Know where you stand. Do what you do. We’re right there with you.

    Temporarily freeze your debit card from the app if you ever misplace it.
    Get access to cash on the go. Just tap to find one of our no-fee ATMs near you.
    Easily deposit a check into your account by snapping a photo of it with your smartphone or tablet. Opens modal dialog

    For more information regarding the Discover Bank Mobile Check Deposit Service, click here.
    Check on your account easily. Anytime. You can even skip the passcode and log in with touch or face ID. Opens modal dialog

    Face ID is currently available to iOS users.
    ★★★★★
    ★★★★★
    We score out of 5 stars! Opens modal dialog

    Star rating is representative of the Apple® App Store rating for the Discover mobile app and is updated daily.
    App Store Google Play

    Modern Money Blog

    Learn how to bank smarter, budget better and make the most of your Cashback Debit account.

    • 5 Common Mistakes You’re Making With Your Checking Account

      Are you playing it smart with your checking account? Learn which checking account mistakes to avoid.

      “Look for an account with no minimum balance, no monthly fee and the ability to link your savings to checking for overdraft protection. Bonus points if your new checking account comes with a debit card rewards program.”

      – Megan Robinson, financial coach and founder of Goodbye to Broke

      Read full article

    • Why Your Debit Card May Be the Secret to Building Good Money Habits

      A debit card isn't just for spending. It's also a tool for getting your finances on track.

       “The main advantage of using a debit card over a credit card is you’re spending money you actually have.”

      – Josh Hastings, founder of Money Life Wax

      Read full article

    • 7 Tips to Manage Your Checking Account

      Review your checking account use to simplify your finances, earn rewards and avoid fees.

      “I look at a checking account as the starting point of how your finances flow. Money comes into your checking account, and after that, you decide where the money goes.”

      – R.J. Weiss, founder of The Ways To Wealth

      Read full article

    • 7 Crazy Simple Ways to Save Money With Your Checking Account

      Learn how spending with your checking account can be the secret to building savings.

      “Think of your ability to earn cash back solely as a way to generate savings. Don’t allow yourself to spend your cashback.”

      – Dan Wesley, founder of CreditLoan.com

      Read full article

    • How Much Money Should You Keep in Your Checking Account?

      Learn how to determine your optimal checking account balance.

      “You can figure out your variable expenses by staying on top of your finances with a budget or using an app to track your spending.”

      – Ryan Inman, financial planner for physicians

      Read full article

    Get your hands on that cash back, already.

    Just say the word, and we’ll get your online checking account up and running.

    Let's Do This