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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 US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.

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 January 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. 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 US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.
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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.

    • What You Need to Know to Pick a New Checking Account

      Does your checking account still match your lifestyle? Here's how to find out.

      “You might have opened a checking account in high school, college or when you got your first job, and you haven’t looked back. But banking has changed—and it’s likely that your needs have as well.”

      – Robert Farrington, founder of The College Investor

      Read full article

    • Banking for Busy Parents: 4 Essential Checking Account Features

      As a busy parent, your life is moving in all directions. Your checking account needs to keep pace.
      With everything on your plate, you may not realize that as your family’s needs change, the way you manage your money will likely need to change too. The good news is that many financial institutions offer bank accounts for busy families like yours, designed with features aimed at supporting your active lifestyle.
      Read full article

    • How to Use Your Debit Card Cash Back to the Fullest

      Ever wish you had money to play with? More cash to save? Here's how to make the most out of those extra dollars you earn.

      “You could put [your cash back] into savings or treat yourself to something from your wish list.”

      – Eric Rosenberg, financial consultant and founder of Personal Profitability

      Read full article

    • 4 Questions to Ask Before Choosing a Checking Account

      Choosing a new checking account can be an important step toward financial independence. Here's how to do it right.

      “A checking account can have a long-term impact on your financial well-being, so it’s worth taking the time to figure everything out.”

      – Jeff Kreisler, money expert and author of Dollars and Sense

      Read full article

    • 3 Quick Tips to Be Frugal With Your Checking Account

      You can spend with your checking account and still be frugal. Really. Here's how.

      “Money is a tool to be able to live the lives we want, and prioritizing those expenses is key to living a frugal, yet fulfilling life.”

      – Levi Sanchez, certified financial planner and co-founder at Millennial Wealth

      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