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Checking Account

Checking just got more rewarding.

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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 U.S. and other countries.

Say goodbye to 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.

$0
  • 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
Get Started

The difference is surprising.

Comparison conducted by an independent research firm and based on data compiled in August 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

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.
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 spendingin dollar
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.

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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    Yes, you can take it with you.

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

    FREEZE DEBIT CARD EASY ACCESS MOBILE CHECK DEPOSIT SIMPLE TO USE
    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.

    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.

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

    Star rating is representative of the Apple® App Store rating for the Discover mobile app and is updated daily.
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    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 Let's Do This