Question 1

Is Discover a bank?

Accepted Answer

Yes. Discover Bank is an FDIC-insured bank owned and operated by Discover Financial Services. We offer online and mobile banking for a full suite of deposit products including checking, savings, money market, certificate of deposit, and IRA accounts.

To learn more about Discover, visit discover.com/company.

To learn more about FDIC coverage, visit our FDIC Deposit Insurance page or FDIC.gov.

Question 2

What is the Discover Bank Routing Number?

Accepted Answer

The routing number used for electronic transfers made by ACH (including Direct Deposit) and for domestic wire transfers (from another bank within the U.S.) is 031100649. The routing number used for international wire transfers (from another bank outside the U.S.) is 043000261.

Question 3

What is a Payable on Death (POD) Account?

Accepted Answer

A POD Account is an account where a beneficiary has been named. Upon the death of the accountholder(s), the funds in the account will be distributed evenly to each beneficiary who survives the account holders(s) (or to his or her representatives as applicable).

Question 4

How do I add or remove a beneficiary?

Accepted Answer

All required documents may be provided via mail, fax, phone, secure message center, in person, or Secure Document Upload.

Login to the Account Center at DiscoverBank.com, go to the Forms and Documents page and download the Add/Remove POD form. Click here to access a POD form directly.

Submit your form by mail or fax.

Fax: 1-224-813-5220
Mail:
Discover Bank,
PO Box 30416,
Salt Lake City, UT 84130
Call us at 1-800-347-7000 to add or remove your beneficiaries by phone. We will need the following information when requesting to add beneficiaries by phone:
- Beneficiary Name
- Beneficiary Date of Birth
- Beneficiary Social Security Number
- Beneficiary contact information including
  address and phone numbers

Question 5

What is a custodial account?

Accepted Answer

A Custodial Account is an account that is maintained by an adult (Custodian) for the benefit of a minor.

Note: We establish and maintain all custodial accounts under the Delaware Uniform Transfers to Minors Act.

Question 6

What types of accounts can be opened as custodial?

Accepted Answer

Certificates of Deposit, Money Market accounts and Online Savings accounts can be opened as custodial accounts.

Question 7

How do I apply for a custodial account?

Accepted Answer

To apply for a Custodial account, call us at 1-866-515-5283. U.S.-based Banking Specialists are available Monday - Friday 8 a.m. to 10 p.m. (ET) and Saturday/Sunday 10 a.m. to 6:30 p.m. (ET) to assist you with completing your custodial account application.

Question 8

How does the identification code process work?

Accepted Answer

We may need to send you an identification code via text message or phone call to verify your identity. This might occur when you log in from an unrecognized computer or mobile device, or for certain actions like changing your profile information. There's no need to sign up; this is an automatic service for your added security and protection. Once you receive the code, you will need to enter it when prompted.

Question 9

I've received multiple identification codes. Which one do I use?

Accepted Answer

Use the most recent identification code and disregard the previous ones you received; they are no longer valid when you request a new one.

Question 10

Will my identification code expire?

Accepted Answer

Yes, your identification code is temporary and will expire if you don't use it within a certain time period. If needed, you can request a new one by clicking the "Get New Code" button.

Question 11

I already have an identification code but I get an error when I click "Continue." What should I do?

Accepted Answer

If you already have an identification code, there is a link at the bottom of the page to "Go to next step" - you can use this option to continue.

Question 12

When can I access deposited funds?

Accepted Answer

For information on funds availability, please refer to the Deposit Account Agreement and for mobile deposits the Mobile Check Deposit Service User Agreement Addendum.

Question 13

What are my online transfer limits?

Accepted Answer

The following limitations apply to online transfers initiated through Discover Bank's Account Center:

Incoming limit is up to $250,000 per 30-day rolling period for each Account Center registered owner.¹
Outgoing limit is up to $250,000 per 30-day rolling period for each Account Center registered owner.
The limits above are subject to a combined incoming/outgoing limit of $300,000 per 30-day rolling period for each Account Center registered owner.
For security reasons, there may be additional limits on the dollar amount and the number of external transfers made through this Service.
To see your limits, please look in Account Center during ACH transfer setup.

¹Checking accounts opened online or through the Discover App after March 20, 2022 are subject to up to $10,000 incoming limit per 30-day rolling period for each Account Center registered owner.

Note: The transfer limits noted above only apply to transfers initiated at Discover Bank through the Account Center. Transactions initiated externally do not have limits from Discover Bank, other than the limitation of available funds in your Account, but may be limited by the external financial institution.

Additional restrictions may apply. See the Account Center (Banking) Agreement for complete details.

Question 14

Are there any new customer deposit limits?

Accepted Answer

For security reasons, there may be new customer deposit limits imposed when you initiate a funds transfer at Discover or when you deposit a check through our Mobile Check Deposit service. Additional deposit methods include initiating an ACH transfer from another financial institution, mailing a check deposit, or making a deposit via wire transfer. Please note that other deposit limitations and funds availability policies apply. See the Deposit Account Agreement for more details.

Question 15

Can I manage my Discover Bank account on my mobile phone?

Accepted Answer

With the Discover Mobile App for Android, iPhone, and tablet you
are able to:

Deposit Checks via our Mobile Check Deposit Service
View account balances and see recent account activity
Pay bills via our Bill Payment Service
Set up one-time or recurring transfers
View scheduled transfers and payments
Contact customer service
Redeem your Cashback Bonus
View your account number & routing number
Update your Profile & Settings
Find no-fee ATMs nearby
Manage Alert preference

You must be registered for the Discover Account Center to use our Discover App. You can also download the app by texting APP to 20877. Message and data rates may apply.

Question 16

What is Fingerprint login?

Accepted Answer

Fingerprint login for iOS and Android devices allows you to securely access your account with your fingerprint instead of typing in your login information or Passcode.

Question 17

Does Fingerprint login work for all devices?

Accepted Answer

Fingerprint login is available for Apple devices with Touch ID^® technology (iPhone 5S and newer), and for Android devices with built-in fingerprint readers.

Question 18

How do I enable Fingerprint login?

Accepted Answer

In order to use Fingerprint login, you must first have the Passcode function enabled. To enable both Passcode and Fingerprint:

Log in to the Discover App and navigate to Profile & Settings
Select either "Touch ID^®" if you are using an iOS device or “Fingerprint” on Android. You will then be guided through setting up a Passcode and Fingerprint login

Question 19

I cancelled out of the Fingerprint pop-up box when logging in. How do I return to the Fingerprint option?

Accepted Answer

If you cancel out of the Fingerprint pop-up box when launching the Discover App, you will be taken to the Passcode keypad for login, where you can choose Fingerprint below and to the right of Passcode.

Question 20

I was unable to successfully log into my account using Fingerprint. Why do I no longer have the option to use Fingerprint login?

Accepted Answer

After a number of unsuccessful attempts, Fingerprint login will be temporarily disabled until you log in to your device using the Passcode. Please make sure you have the correct fingerprint saved by going to the "Settings" menu of your device.

Question 21

I no longer want to use Fingerprint login. How do I disable this feature?

Accepted Answer

If you have Fingerprint login enabled and would like to disable it:

Navigate to Profile & Settings in the Discover App
Select either “Touch ID^®” if you are using an iOS device or "Fingerprint" on Android
Slide the switch to “Off”

Question 22

Does Discover store and maintain my fingerprints?

Accepted Answer

Enabling Fingerprint login grants Discover access to validate your fingerprint against any of the fingerprints stored on this device. Discover does not store or maintain your fingerprint.

Question 23

What is Passcode?

Accepted Answer

Passcode allows you to create a numerical 4-digit code which makes logging in faster and easier. You may enter only your Passcode instead of your full User ID and Password to access your account.

Question 24

How do I enable Passcode?

Accepted Answer

To enable Passcode:

Navigate to Profile & Settings in the Discover App
Select Passcode
Slide the switch to ‘On’ and follow the on-screen guidance

Question 25

How do I disable my Passcode?

Accepted Answer

If you have Passcode enabled and would like to disable it:

Navigate to Profile & Settings in the Discover App
Select Passcode
Slide the switch to 'Off'

You can disable your Passcode at any time. If you have Passcode enabled on more than one device, it will continue to be enabled on those devices until you disable it for each device. You can also call 1-866-245-7419 to have a Banking Specialist disable your Passcode on all your devices at one time.

Question 26

What if I lose my device that has Passcode enabled?

Accepted Answer

To protect your account, we advise that you call 1-866-245-7419 to disable Passcode on all your devices. This will prevent others from attempting to log in to your account with your Passcode.

Question 27

What happens if I'm trying to log in with Passcode and enter it incorrectly too many times?

Accepted Answer

For security purposes, you will be locked out of the application after a certain number of failed attempts. If your account becomes locked, please call our Banking Specialists at 1-866-245-7419 to unlock your account.

Question 28

What is Quick View?

Accepted Answer

Quick View allows you to see your account activity from the login screen of the Discover App. This way, you can access your information easily without having to log in to your account.

Question 29

How do I enable Quick View?

Accepted Answer

To enable Quick View:

Navigate to Profile & Settings in the Discover App
Select Quick View
Slide the switch to 'On'

Question 30

How do I disable Quick View?

Accepted Answer

If you have Quick View enabled and would like to disable it:

Navigate to Profile & Settings in the Discover App
Select Quick View
Slide the switch to 'Off'

You can disable Quick View at any time. If you have Quick View enabled on more than one device, it will continue to be enabled on those devices until you disable it for each device. You can also call 1-866-245-7419 to have a Banking specialist disable your Passcode on all your devices at one time. Once it’s turned off, the Quick View button will continue to appear but your account information will not be available.

Question 31

If I have Quick View enabled on my device and it gets lost or stolen, how can I disable it?

Accepted Answer

In the event that your mobile device is lost or stolen, please call us immediately at 1-866-245-7419 to disable Quick View.

Question 32

How do I register and manage my deposit account(s) online?

Accepted Answer

Our registration process is quick and easy—with a few simple steps. When you register, you will need to provide the last 4 digits of one of your Discover Bank account numbers and verify the security information provided when you opened your account. If you have multiple bank accounts with us, you will only need to register once as all your bank accounts are automatically linked to your online profile. To register for online banking, click here.

You can also manage your account via our mobile app. Click here to learn more about mobile banking.

Question 33

What are the User ID and Password guidelines?

Accepted Answer

Your User ID must be between 6-16 characters in length and can contain letters, numbers, and most special characters. Your Password must be 8-32 characters in length and must contain at least 1 letter and at least 1 number. Your Password is case sensitive and can contain most special characters.

Question 34

What should I do if I forget my User ID or Password?

Accepted Answer

If you forget your User ID or Password, click here. If you are still unable to log in, call us at 1-800-347-7000.

Question 35

If I have a joint account, can we both sign up for the Account Center at DiscoverBank.com?

Accepted Answer

Yes. Each joint owner should register separately to securely protect his/her personal information. Account holder(s) should not share User IDs or Passwords.

Question 36

What is Overdraft Protection?

Accepted Answer

Overdraft Protection is a link between your Deposit accounts that transfers funds to help avoid the inconvenience of returned items and insufficient funds. You can link a Discover account so that funds in a funding account can be automatically used to cover eligible transactions in your protected account that would otherwise be returned unpaid.

Overdraft Protection is used to cover checks, online bill payments and ACH transfers initiated at another bank. It does not apply to ATM, debit card transactions or transfers initiated at Discover.

Question 37

How does Overdraft Protection work?

Accepted Answer

In the event your protected account does not have sufficient available funds to cover an eligible transaction, the Overdraft Protection service will automatically initiate a transfer of funds from your designated funding account to your protected account in the overdrawn amount. Note: Overdraft Protection service is not automatic and requires you to sign up for the service.

See the Overdraft Protection Service Agreement Addendum for complete details.

Question 38

What is a protected account?

Accepted Answer

Your protected account is the account you choose to provide funding to from another account if there are not sufficient funds to cover your transactions. Checking, Money Market and Savings accounts can be set up as a protected account.

Question 39

What is a funding account?

Accepted Answer

Your funding account is the account you wish to provide funding from in the case that sufficient funds are not available in the protected account to fund transactions.

Checking, Money Market and Savings accounts can be set up as a funding account.

Question 40

What types of transactions are covered by Overdraft Protection?

Accepted Answer

Online Bill Payments, electronic transfers initiated externally and checks are covered by Overdraft Protection. Debit Card purchases, ATM withdrawals and transactions initiated at Discover are not covered.

Question 41

What's the difference between Balance+ and Overdraft Protection, and can I be enrolled in both?

Accepted Answer

Overdraft Protection covers ACH transfers initiated at another bank, checks you write, and online bill payments by moving available funds from a designated Discover funding account (checking, money market, or savings account) to cover the transactions. Balance+ covers debit card purchases by allowing your checking account to be overdrawn up to $200.

Your checking account can be enrolled in both Balance+ and Overdraft Protection to help ensure different types of transactions are covered.

Balance+ is a no-fee overdraft coverage that applies to your debit card transactions. It is not available to cover checks, ATM/Cash withdrawals, or other electronic payments, such as Zelle®. Repayment is due immediately. Balance+ is provided at our discretion, and we may decline to cover any debit card transaction, for example, if we suspect the transaction is fraudulent. Please review the agreement as other terms and conditions apply.

Question 42

Are there any Overdraft Protection Fees?

Accepted Answer

There are no fees associated with using Discover's Overdraft Protection Service. No fee is assessed for enrolling in or using Discover's Overdraft Protection Service to cover transactions.

Question 43

If I do not have enough money in my funding account to cover the total amount overdrawn in my protected account, will my transactions still be covered by Overdraft Protection?

Accepted Answer

If the amount overdrawn from your protected account is not available in your funding account, we will initiate the Overdraft Protection Service to cover as many eligible transactions, from lowest dollar amount to highest dollar amount, as there are available funds in your funding account.

Transactions where sufficient funds are not available in your funding account will be returned unpaid.

See the Overdraft Protection Service Agreement Addendum for complete details.

Question 44

How can I enroll in Overdraft Protection Service?

Accepted Answer

When you are logged into your online account via the Account Center, select Overdraft Protection under Accounts. This will direct you to the Overdraft Protection enrollment page.

Question 45

Can I have multiple funding accounts identified for a single protected account?

Accepted Answer

You are only allowed to identify one funding account for each of your protected accounts at a time.

Question 46

Can I use one of my accounts as the funding account for multiple protected accounts?

Accepted Answer

You are only allowed to use an account as a funding account for one protected account at a time.

Question 47

Can one account be used as both a protected and funding account?

Accepted Answer

An account can only be used once, as a protected or funding account, as part of the Overdraft Protection Service.

Question 48

Is Discover Online Banking safe?

Accepted Answer

Yes. The safety and security of your Online Banking accounts are top priority. Here are a few of the ways we help protect your accounts and information:

We use sophisticated encryption technology to prevent unauthorized access to your information online and in the Discover mobile app.
We proactively monitor your accounts for potential fraud and will reach out if we see anything suspicious.
Discover Bank is a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposits are FDIC-insured up to the maximum allowed by law.
We offer tools you can enroll in, such as account alerts, to help you boost your account’s security.

To learn more, visit our Online Banking Security Center.

Question 49

Is my account and personal information secure when I log in?

Accepted Answer

Yes. Each time you log in, we will authenticate you with your user ID and password and your session will time-out after a period of inactivity.

Question 50

Will Discover Bank ever send me an email asking for my personal information?

Accepted Answer

No, Discover Bank will never send you an email requesting you to reply directly in an email with any personal information such as:

Account numbers
Account Center user ID or password
Birth date
Social security number

If you do receive a suspicious email, please call us immediately at 1-800-347-7000.

Question 51

What are the benefits of enrolling in Paperless Statements?

Accepted Answer

Security—protect your information behind a secure login.
Convenience—access up to 7 years of statements online and via the Discover App any time you need it.
Quicker access—eliminate the wait for mail. We’ll send you an email notification as soon as your statement is ready to access.
Environment-friendly—save paper and reduce clutter at home.

To enroll in paperless statements, log in and update your settings.

Once enrolled, we'll send you an email notification as soon as your statement is ready to access. You will also be able to view your statements on the Discover App.

Question 52

What accounts are eligible for enrollment in Paperless Statements?

Accepted Answer

All accounts are eligible for paperless statements except for IRA CDs. For IRA CDs and IRA Savings, your annual plan statement will be available to view online and will also be mailed.

Please note that Cashback Debit accounts are automatically enrolled in paperless statements.

To enroll in paperless statements, log in and update your settings.

Question 53

How do I enroll in Paperless Statements?

Accepted Answer

You will have the option to enroll in paperless statements during the online account opening process. For an existing account, log in and update your paperless settings to enroll. Once enrolled, we’ll send you an email notification as soon as your statement is ready to access. You will also be able to view your statements on the mobile app.

Question 54

When will I receive my statements?

Accepted Answer

Checking and money market account statements are available monthly.
Savings, IRA Savings and non-IRA CD account statements are available quarterly. However, if there is an electronic fund transfer transaction within the month, we’ll provide a statement for the month the transaction was processed.
IRA CD statements are available in January annually.

If you are enrolled in paperless statements, we’ll send you an email notification as soon as your statement is ready to access.

To view, save and print your statements, click here.

Question 55

If I’m enrolled in Paperless Statements, can I still get paper copies of my statements?

Accepted Answer

Yes. You can print your statement directly from the PDF provided in the Account Center. Simply open the PDF and select “Print”. You have access to view, save and print the last 7 years of statements. You can also call us at 1-800-347-7000 to request copies.

To view, save and print your statements, click here.

Question 56

Why do I need to update my browser?

Accepted Answer

Keeping your browser up-to-date is important for both security and ensuring that web pages load properly. Updating your browser also helps ensure that you have the best online experience possible

For security reasons, you'll need to update your browser in order to view Discover.com/online-banking/ and access the Account Center.

Click here for more information about identifying your browser and how to update your browser or contact a Customer Service representative at 1-800-347-7000.

Question 57

How do I send a wire transfer?

Accepted Answer

Important: Please submit your request at least 2-3 days in advance of when you would like us to process your wire to ensure pre-processing and verification (if needed) can be completed.

You can initiate your wire transfer request in one of the following ways:

Account Center online (for domestic wire transfers only): Log in, select "Transfers" or "Transfers & Payments" in the navigation menu and follow the instructions for Wire Transfer
Discover App (for domestic and international wire transfers): Log in, select the Transfer icon and follow the instructions for Wire Transfer

International and Domestic Wire Transfer requests received and verified before 3:00 PM ET on a business day will be processed the same day. Requests received and verified after 3:00 PM ET on a business day or any time on a weekend or holiday will be processed by the next business day.

A Wire Transfer Specialist will review your request before your wire transfer is processed. If we need to verify additional information, we will attempt to contact you within 1 business day of your submission at the phone number of record on your account.

Wire Transfer Specialists are available to help Monday–Friday, 8:00 a.m. – 7:00 p.m. Eastern Time (ET). They are unavailable on weekends and Federal Reserve Bank holidays.

NOTE:

Regarding International Outbound Wires, Discover Bank only sends wires funded in U.S. dollars. If the beneficiary’s account is not denominated in U.S. dollars, then you will need to send the wire from a different bank. If a wire is sent denominated in U.S. dollars, the proceeds of an international wire transfer may be delivered in the foreign currency equivalent, less any applicable fees assessed by the beneficiary’s bank.
Wire transfers may be delayed, not processed, and/or funds may be frozen if we or an intermediary bank perceives that a wire request may be in violation of United States OFAC sanction programs or other applicable laws.
Important: If you provide an incorrect beneficiary account number or incorrect beneficiary bank identifier (ABA Routing Number, SWIFT, IBAN or CLABE), you could lose the transfer amount.

Question 58

Is there a service charge for sending a wire transfer?

Accepted Answer

There is a $30 service charge for each outgoing wire transfer sent from your Discover bank account.

Question 59

How do I receive a wire transfer?

Accepted Answer

For domestic wire transfers (from another bank in U.S.), please wire funds to:

Beneficiary Bank: Discover Bank
ABA/Routing Number: 031100649
Beneficiary Bank Address (if required): 502 East Market Street, Greenwood DE 19950
Beneficiary Name: Your name (as it appears on your Discover Bank account)
Beneficiary Address: Your address (as it appears on your Discover Bank account)
Beneficiary Account Number: Your Discover Bank account number

For international wire transfers (from another bank outside the U.S.), please wire funds to:

Beneficiary Bank: Bank of New York Mellon
ABA/Routing Number: 043000261
SWIFT Code: IRVTUS3N
Beneficiary Bank Address (if required): #3 Mellon Bank Center, Pittsburgh, PA 15258
Beneficiary Name: Discover Bank
Beneficiary Account Number: 9914394
For Further Credit to: Your name (as it appears on your Discover Bank account), your address (as it appears on your Discover Bank account), and your Discover Bank account number

Wire transfers received before 4:00 PM ET will be posted to your account on the business day we receive them.

Wire transfers received after 4:00 PM ET will post to your account the following business day, with an effective date of the business day the funds were received.

Some wire transfers may require additional processing time. In those cases, your wire transfer will post to your account upon completion of processing, with an effective date of the business day the funds were received. If it has been more than 2 business days since your inbound wire was sent and it has not yet posted, feel free to call us at 1-800-347-7000.

Question 60

Is there any fee for receiving a wire transfer?

Accepted Answer

We do not assess a service charge for receiving domestic wires or for receiving international wires in U.S. dollars.

For international wire transfers received in a foreign currency, the currency exchange rate is determined by our designated intermediary bank and will impact the amount received by Discover. Our designated intermediary bank may also apply a $20 currency exchange fee.

Note: If an intermediary bank not designated by us is used in the transfer process (domestic or international), that intermediary bank may charge you a fee for their services that could decrease the total amount we receive.

Question 61

What is Zelle^®?

Accepted Answer

Zelle^® is a fastand easy way to send money directly to almost any bank account in the U.S. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

Question 62

What are the requirements for Zelle^® enrollment?

Accepted Answer

Discover and Zelle® have the right to determine eligibility and to restrict categories of recipients to or from whom transfers may be made.

Generally, to enroll with Zelle^®, you must:

Own at least one Eligible Account (checking, money market, online savings or statement savings) and have a valid physical address on file;
Have an Eligible Account that is at least 90 days old with a balance of $0 or more at the time of enrollment;
Provide an email address, and, for verification purposes, your U.S. mobile phone number; You may not enroll in the Services with a landline phone number, Google Voice number, or Voice over Internet Protocol number;
Provide us with an email address or a permanent U.S. mobile phone number that you intend to use for an extended period of time, which will be the Zelle^® identifier for your Enrolled Account, and be Account Center registered with any required hardware or software.

Question 63

How do I use Zelle^®?

Accepted Answer

To get started, log into the Account Center online or via the mobile app. Choose "Send Money with Zelle^®" from the "Transfers" or "Transfers & Payments" menu, follow the enrollment prompts, and accept the terms and conditions.

Send Money:

Choose “Send”
Select your recipient from your mobile device’s contacts or add a trusted recipient’s email address or U.S. mobile number
Enter the amount
Hit “Send” to complete the payment

Request Money In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle^®. :

Choose “Request”
Select the individual from whom you’d like to request money
Enter the amount
Hit “Request”

Receive Money:

Share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.

THE ZELLE® P2P SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU KNOW AND TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO USERS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. BEWARE OF SCAMS AND FRAUD WHEN USING THE ZELLE® P2P SERVICE.

Question 64

How do I send money with Zelle^®?

Accepted Answer

To get started, log into the Account Center online or via the mobile app. Choose "Send Money with Zelle^®" from the "Transfers" or "Transfers & Payments" menu, follow the enrollment prompts, and accept the terms and conditions.

Send Money:

Choose “Send”
Select your recipient from your mobile device’s contacts or add a trusted recipient’s email address or U.S. mobile number
Enter the amount
Hit “Send” to complete the payment

THE ZELLE® P2P SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU KNOW AND TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO USERS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. BEWARE OF SCAMS AND FRAUD WHEN USING THE ZELLE® P2P SERVICE.

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