1% cash back
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.
Say goodbye to checking account fees.
No. Fees. Period. That means you won't be charged an account fee on our Cashback Debit account.
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.
- Monthly maintenance
- Withdrawals at over 60,000 ATMs nationwide
- Replacement debit card
- Standard checks
- Official bank check
- Online bill pay
- Expedited delivery for debit card replacement
- Expedited delivery for official bank checks
- Deposited item returned
- Stop payment order
- Insufficient funds
- Account closure
The difference is surprising.
Comparison conducted by an independent research firm and based on data compiled in October 2021 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 Bank service marks for Chase, Bank of America, Wells Fargo, U.S. Bank, Chime, and Capital One, are owned by each respective entity.
See how our Cashback Debit account compares with other banks across the board.
Competitive Features
Comparison conducted by an independent research firm and based on data compiled in October 2021 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 Bank service marks for Chase, Bank of America, Wells Fargo, U.S. Bank, Chime, and Capital One, are owned by each respective entity.
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Discover Cashback Debit |
Remove Bank
Chase Total Checking |
Remove Bank
Bank of America Advantage SafeBalance |
Remove Bank
Wells Fargo Everyday Checking |
Remove Bank
U.S. Bank Easy Checking |
Remove Bank
Chime Spending Account |
Remove Bank
Capital One 360 Checking |
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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 |
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Access to over 60,000 NO-FEE ATMs In the U.S. |
Yes | No | No | No | No | Yes | Yes |
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Send and receive money with Zelle® |
Yes | 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 | Yes |
No Hidden Fees
Comparison conducted by an independent research firm and based on data compiled in October 2021 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 Bank service marks for Chase, Bank of America, Wells Fargo, U.S. Bank, Chime, and Capital One, are owned by each respective entity.
|
Discover Cashback Debit |
Remove Bank
Chase Total Checking |
Remove Bank
Bank of America Advantage SafeBalance |
Remove Bank
Wells Fargo Everyday Checking |
Remove Bank
U.S. Bank Easy Checking |
Remove Bank
Chime Spending Account |
Remove Bank
Capital One 360 Checking |
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No monthly fee (no balance or activity requirements) |
Yes | No | No | No | No | Yes | Yes | ||
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No fee for insufficient 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 | Yes | No | No | Yes | No | ||
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No-fee official bank check |
Yes | No | No | No | No | N/A | No | ||
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No-fee for expedited delivery of your replacement debit card |
Yes | No | No | Yes | No | N/A | No | ||
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No-fee outbound ACH transfers (to an external bank) |
Yes | Yes | Yes | Yes | Yes | Yes | Yes | ||
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No-fee check reorder |
Yes | No | N/A | No | No | N/A | No | ||
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No-fee online bill pay |
Yes | Yes | Yes | Yes | Yes | Yes | Yes | ||
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No-fee replacement debit card |
Yes | Yes | No | Yes | Yes | Yes | Yes | Yes | Yes |
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.
ATMs where you need them.
See which of our over 60,000 no-fee ATMs are at the stores you already frequent.
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.
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It’s easy to use.
Send to friends, family and people you trust with a bank account in the U.S.
Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address.
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Money moves fast.
Just tell us who to pay and how much – the money’s on its way in minutes.
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.
- You’re protected. We won’t share any of your bank account information with your recipient.
- No fees. Whether you’re sending or receiving, Discover doesn’t charge any fees to use Zelle.
Yes, you can take it with you.
Know where you stand. Do what you do. We’re right there with you.
For more information regarding the Discover Bank Mobile Check Deposit Service, click here.
Opening an online checking account couldn’t be simpler.
- Just give us a few basics (like address and Social Security number), and we’ll get the ball rolling for you.
- Make a deposit now or come back and do it later. Whatever makes it easier for you to get going on your goals.
- Check your email for a confirmation, and you’re on your way to the future you’ve been dreaming of.