Other banks charge you for checking.
We reward you.

You may only open a Cashback Checking Account online. Please click any "Open an Account" button on this page to begin the application process. If you have any questions during the opening process, please call our Banking Specialists at 1-800-347-7000.

There is no minimum opening deposit required and there is no minimum balance requirement.

You may be an owner of up to five Cashback Checking accounts.

You should receive your checks, if requested, and debit card within ten days after opening your account. Once your debit card is activated, the Personal Identification Number (PIN) for your card can be set up and changed online in the Account Center or over the phone through our automated system at 1-800-347-7000.

All Discover credit card members and bank account owners are eligible to apply for a checking account.

You are not required to maintain a monthly minimum balance.

There is no monthly maintenance fee or minimum balance requirements for a Cashback Checking Account. Below are the fees that apply to your account:

See the Cashback Checking Account Guide for more information.

To access and manage your account, please click here to log into the online Account Center. You also can manage your account via our Discover Bank Mobile App.

Yes, funds on deposit at Discover Bank are FDIC-insured to the maximum allowed by law. For more information visit our FDIC information page.

You can order checks and deposit tickets online via the Account Center or over the phone at 1-800-347-7000.

To request a stop payment on a check, contact us at 1-800-347-7000 with the check date, amount, number, and payee name (if available).

Yes, your Cashback Checking account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.

You can fund your Cashback Checking Account in the following ways:

• Online transfer from an external bank account to your Cashback Checking Account
• Through Direct DepositPDF Document
• Deposit a check with Discover's Mobile Check Deposit using your mobile device. To learn more, click here.
• Mail a check that is made out to you with your account number on the memo line to:
  Discover Bank
  PO Box 30417
  Salt Lake City, UT 84130

You can withdraw money from your Discover Cashback Checking^® Account in the following ways:

• No fee cash withdrawals at over 60,000 Allpoint^® and MoneyPass^® ATMs. Please note that not all ATMs are available 24/7 - hours may vary at each location
• Use online and mobile ATM Locators to find a no-fee ATM near you
• Use your debit card at 415,000 ATMs nationwide, anywhere you see the Discover^®, Diners Club^® International^® or PULSE^® logo
• Discover will never charge you a fee to use an ATM; however, the owner of an ATM outside of the Allpoint^® and MoneyPass^® networks may charge a fee
• Use your debit card to pay for purchases wherever you see the Discover^®, PULSE^® or Diners Club International^® logo
• Choose additional cash over at participating retailers when you use your Discover debit card
• Online transfer to an external bank account
• Use online bill pay
• Write a check
• Request an official bank check
• Wire Transfer (fee applies). For wire transfers within the United States, access the Domestic Wire Transfer Request Form here. For wire transfers outside the United States, access the International Wire Transfer Request Form here.

Also known as EMV or smart chip technology, it provides added security at chip-enabled store terminals and ATMs. Many countries have already adopted chip technology. And now, U.S. merchants and card issuers are starting to adopt it, too.

You can use chip cards in one of two ways. If you are at a merchant location that does not have chip-enabled terminals, you can swipe using the magnetic stripe on the back of your card as usual.

At merchant locations that already accept chip cards, you'll be prompted to insert your card into the chip-enabled terminal. Be sure to leave the card in the terminal until the transaction is completed.

When in doubt, swipe your chip debit card. If the terminal is chip enabled, it will recognize that your debit card has a chip and will prompt you to insert it instead.

Your Discover debit card is accepted everywhere you use it today. When retailers update their terminals to accept chips, just insert your card instead of swiping the magnetic stripe.

Your new Discover debit card with chip technology can be used with a signature or PIN depending on the terminal. At chip-enabled terminals, you will be prompted to provide your signature or PIN. In some situations, you may not need to provide either one.

You will receive a chip debit card when your current debit card expires, if your card is lost or stolen, or if you experience fraud on your account.

Each owner who has a debit card will receive a new chip debit card when their current card expires. If your debit card is lost or stolen, only the person with the lost or stolen card will receive a new chip debit card. If you request a new chip card early, only the requester will receive a new card.

No. New customers will only receive a chip debit card.

Yes. Your debit card number, security code, expiration date and PIN will change. Because of this, we recommend updating all places where you have previously linked your debit card, including any automatic bill payments. Please note, that if you have a joint account and only one person on the account requests a chip card, then only that person will receive a new chip debit card.

When you insert your chip debit card at a chip-enabled terminal, the embedded microchip generates unique, dynamic data for each transaction. This makes it difficult for fraudsters to duplicate your account information, which in turn, can reduce the risk of fraudulent transactions on your account.

Chip technology provides an additional layer of card security. Chip cards make it difficult for hackers to copy and use your debit card information when used at chip-enabled terminals. Other benefits include:

• Ease of Use: It's still a debit card, so just use it like before. Once merchants adopt this technology, the terminals will prompt you to insert your card.
• Added Security: The chip helps protect against fraud because it creates unique transaction data when the card is used at chip-enabled terminals in stores and at ATMs
• Fraud Protection: As always, you're never responsible for unauthorized transactions on your Discover debit card.

No. Your Discover debit card with chip technology requires contact with the terminal's chip reader. Waving your card in front of the terminal will not work.

No. Your Discover debit card with chip technology replaces your other card. Once you activate your chip card, which also has a magnetic stripe, your old debit card will be deactivated.

No, ATM accessibility varies by location. Not all ATMs are available 24/7 and some may have restricted access.

You can activate your debit card online at the Account Center or by calling 1-877-347-4055. To activate your card online, you will need to log into your online account. Once logged in, select the Customer Service option from the main navigation and click on "Activate Debit Card" under the Transaction Accounts section.

Not registered for the Account Center? Register Now

Once you receive your PIN, you can change it online in the Account Center or by using our automated system at 1-800-347-7000.

Use our ATM Locator, available online or use our Mobile App to find nearby ATMs, including no-fee Allpoint^® and MoneyPass^® ATMs.

If your debit card is lost or stolen, please call us immediately at 1-800-347-7000.

60,000 ATMs through the Allpoint^® and MoneyPass^® networks are completely free of charge and can be found at a variety of locations including retailers such as Target, CVS, Walgreens, and Wal-Mart. Use our online or mobile ATM Locator to find a free location nearby.

An owner outside of the Allpoint^® and MoneyPass^® networks may charge a fee. Discover will not charge you a fee for using your debit card at any ATM.

If you are at an Allpoint or MoneyPass ATM and it indicates you are being charged a fee, accept the fee and proceed with your transaction. Then notify Discover Bank by sending a message through our Secure Message Center or calling us at 1-800-347-7000.

Please provide the following information and we will credit your account for the fee.

• Date and time of the transaction
• ATM Location
• Last four digits of your debit card
• Amount of the fee you were charged

Your Discover debit card is accepted nationwide wherever you see the Discover, PULSE^® or Diners Club International^® logos.

Cash over is available at participating retailers nationwide.

You can use your Discover debit card to withdraw cash at ATMs and make purchases at participating merchants in, Canada, Mexico and the Caribbean wherever you see the Discover, PULSE^®, or Diners Club International^® symbols.

Yes. The Discover ATM withdrawal limit is $510 per day. Some ATMs may have lower withdrawal limits, but you may complete multiple transactions until you meet the Discover withdrawal limit of $510 per day.

You may earn Checking Cashback Bonus in the following ways on payments or purchases, up to 100 transactions each month:

• $0.10 for purchases made using your Discover Debit Card
• $0.10 for bills paid using our Online Bill Payment service
• $0.10 for checks you write that clear your account

The Cashback Bonus rewards from your credit card account and your checking account will be maintained separately. However, you will be able to transfer Checking Cashback Bonus earned with your Cashback Checking Account to your Discover Credit Card Cashback Bonus Account in any amount.

You may view Checking Cashback Bonus earned from your Discover Cashback Checking^® Account in the Rewards Detail section in your online Cashback Checking account summary, found under the "Manage" tab, and in your Cashback Checking statement.

Checking Cashback Bonus rewards transferred to a Discover Credit Card Cashback Bonus Account may be viewed online in the Cashback Bonus Balance section of the Credit Card account summary, and on your monthly Credit Card statement.

If your rewards have not posted correctly, please call us at 1-800-347-7000 to speak with one of our Banking Specialists.

You can redeem your Checking Cashback Bonus via the Account Center by clicking the "Manage" tab on the Checking Details page and viewing the options listed in the "Rewards" section.

You can redeem your Checking Cashback Bonus earned from your Discover Cashback Checking^® Account for any amount in the following ways:

• Redeem as cash via credit to your Cashback Checking Account
• Transfer to a Discover Credit Card Cashback Bonus Account

Note: You may only redeem your Checking Cashback Bonus if your Checking Account is open with a $0 or positive balance.

Checking Cashback Bonus from Discover Cashback Checking^® accounts that are active and in good standing will never expire. For complete details, please see Section 12 in the current Deposit Account AgreementPDF Document.

Note: Rewards do not expire, but if your Checking Account is closed for any reason, any Checking Cashback Bonus will be forfeited. In the unfortunate event your debit card or account number is lost or stolen, or we issue you a new account number for any reason, we will transfer your Checking Cashback Bonus to your new account.

Yes, we automatically transfer your Checking Cashback Bonus balance to the Checking Cashback Bonus bank linked to your new Discover Cashback Checking^® Account.

Your bill payments, debit card transactions and checks are rewarded for normal everyday transactions. As noted in the Deposit Account Agreement, we reserve the right to adjust the amount of your rewards or close your account due to irregular, unauthorized or fraudulent activity in your Checking Account. For example, splitting up one standard monthly bill payment into several payments to receive $0.10 per payment is deemed as irregular activity as it's not standard bill payment practice. The same holds true for debit card transactions. Asking a merchant to swipe your debit card repeatedly for each item at checkout instead of using your debit card to make a complete purchase of items at one time is recognized as manufacturing transactions and not normal everyday debit card behavior.

Online Bill Pay is a no-fee online service you can use to pay most companies and individuals via your Discover Cashback Checking^® Account.

You will need to log in to your account to enroll in Online Bill Pay. Your account must have a positive available balance

No. Discover Bank's Online Bill Pay service is offered at no charge.

You can use Online Bill Pay for your utilities, credit card payments, insurance premiums or other companies. You can also pay individuals, such as landlords, contractors, relatives, etc.

Note: Payments to governmental agencies, including but not limited to, the Internal Revenue Service, all state and local tax authorities, collection agencies, as well as recipients of court-ordered payments like child support or alimony are highly discouraged and are not covered by our Bill Pay Protection policy in our Online Security Guarantee.

Yes, bill payments to individuals or organizations outside of the United States are not eligible for the Online Bill Pay service.

In addition, payments that violate any law, statute, ordinance or regulation, and any payments related to illegal gambling, illegal gaming and/or any other illegal activity are prohibited through the service.

Your bill payments may be processed using one of several methods: electronic payment, single check, or laser draft check. Both the single and laser draft checks result in a physical check being mailed to the payee. Discover Bank guarantees that your bill payment will reach your Payee by the "Deliver By" date. Single checks are only valid for 90 days.

An "electronic payment" means funds are withdrawn immediately from your account and sent electronically (via the Automated Clearing House (ACH)) to the payee.

One-time bill payments cannot be scheduled for delivery on a weekend or holiday. However, if a repeating bill payment is scheduled for a weekend or holiday, the payment will be initiated to the payee on the preceding business day.

The term eBill stands for "electronic bill" and is an electronic version of your paper bill delivered to you automatically through the Account Center. Once enrolled for eBills, you will have the ability to view and pay bills online anytime.

To sign up to have your bills sent electronically, you will need to log into your account and select the "eBills" option from the drop down menu under the Payments tab. Once on the bill payment page, select "Manage eBills" and choose the appropriate payee from the Request/Cancel eBills drop down menu.

Each payee determines whether or not they will support eBills. For questions about a particular payee's policy, please contact the payee directly.

To unenroll from an eBill, you will need to log into your account and select the "eBills" option in the drop down menu under the Payments tab. Once on the bill payment page, select "Manage eBills" and select the payee from the Request/Cancel eBills drop down menu.