The Discover Bank routing number is 031100649 for direct deposit and electronic transfers made by ACH, but not for wire transfers.
Click here to access our Wire Transfer form. When initiating an incoming wire, please wire funds to:
Our registration process is quick and easy-with three simple steps. When you register, you will need to provide 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.
Your Username 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.
Yes. Each joint owner must register separately to securely protect his/her personal information. Account holder(s) should not share User IDs or Passwords.
Overdraft Protection is a link between your Checking, Money Market or Savings account and another deposit account that transfers funds in order to 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 transactions in your protected account that would otherwise be returned unpaid.
Overdraft Protection is used to cover transactions like 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.
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 plus the applicable overdraft service fee.
See the Overdraft Protection Service Agreement Addendum for complete details.
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. Cashback Checking, Money Market and Online Savings accounts can be set up as a protected account.
Your funding account is the account in which you wish to provide funding from in the case that sufficient funds are not available in the protected account to fund transactions.
Cashback Checking, Money Market and Online Savings accounts can be set up as a funding account.
Online Bill Payments, electronic transfers initiated externally and checks are covered by Overdraft Protection. Debit Card purchases and ATM withdrawals are not covered.
If Overdraft Protection is utilized to cover transactions, a $10 fee will be assessed. Only one Overdraft Protection Fee will be assessed per day. You will not be charged a fee to enroll, nor is there any recurring fee for enrolling.
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.
For the transactions where sufficient funds are not available in your funding account, you will incur an Insufficient Funds Fee and those transactions will be returned unpaid.
See the Overdraft Protection Service Agreement Addendum for complete details.
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.
There is no cost to enroll in the Overdraft Protection Service. A fee will be assessed only when you use the Overdraft Protection Service. If an Overdraft Protection transfer is made to pay a transaction(s) on your protected account, an Overdraft Protection Fee of $10 will be assessed to your protected account. Only one Overdraft Protection Fee will be assessed per day.
You are only allowed to identify one funding account for each of your protected accounts at a time.
You are only allowed to use an account as a funding account for one protected account at a time.
An account can only be used once, as a protected or funding account, as part of the Overdraft Protection Service.
The fee would be applied to your protected account and be part of the total amount pulled from your funding account. For example, if you overdraw your protected account by $100, the $10 fee would be assessed and $110 would be transferred from your funding account the following business day.
No, you will only incur one Overdraft Protection Fee per day.
We may need to send you an identification code via text message, phone call, or e-mail to verify your identity. This might occur when you log in from an unrecognized computer or mobile device, or for certain transactions 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.
Be sure to check your Junk or Spam folder in your e-mail account. You can also select a different method of delivery for another identification code.
Use the most recent identification code and disregard the previous ones you received; they are no longer valid when you request a new one.
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.
We're happy to help you anytime. Please call us at 1-800-290-9885.
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.
Yes, with our Mobile App for Android™ and iPhone® devices you are able to:
Click here for more information or to download our Mobile App. You can also download the app by texting*APP to DISCOV.
Yes. Our mobile app was designed with security in mind. This means that your information is encrypted, and we will never reveal your full account number. 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. For extra security, you can also enable Passcode or Touch ID to access the mobile app.
Using Passcode lets you enter the Discover Bank app faster. You no longer have to enter your entire User ID and Password to access your account information. It's easy to set up and use. The free Discover Bank mobile app is available for iPhone® and Android™ devices. You can also download the app by texting*APP to DISCOV.
*Consult your wireless service provider for applicable message and data fees
For first time users, navigate to Profile & Settings in the mobile app from the navigation after logging in with your User ID and Password and select "Passcode." You will be prompted to choose a 4-digit sequence that will become your Passcode. For your security, you must follow the Passcode Guidelines when creating your Passcode. For example, you cannot use your date of birth for your Passcode. After choosing a valid Passcode, you will be asked to re-enter it and then you will receive a confirmation message. A confirmation will also be emailed to you if your email address is registered with your account. The next time you launch the app you'll see the Passcode login screen for quicker access to your account. Please note that if you use the app on more than one mobile device, you will need to enable Passcode on each device.
If you have a Passcode set-up and would like to change it, follow these easy steps:
You can complete this process at any time. If you have Passcode enabled on more than one device, your new Passcode will apply to all devices with Passcode enabled.
If you have Passcode set-up and would like to disable it, follow these easy steps:
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 1-800-290-9885 to have a Banking Specialist disable your Passcode on all your devices at one time.
You can enable Passcode on any device that has the most current Discover Bank Mobile application.
For security purposes, you can only log on to devices that you have registered your Passcode with.
To protect your account, we advise that you call 1-800-290-9885 to disable Passcode on all your devices. This will prevent others from attempting to log into your account with your Passcode.
On the Passcode login screen, you can select "Forgot Passcode." You will then be prompted to log in with your User ID and Password and create a new Passcode.
Yes, you can log in with your User ID and Password at any time by clicking on "User ID Login" from the login page.
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 1-800-290-9885 to unlock your account.
Turning on Quick View allows you to view some account details without having to log into the Discover Bank Mobile App. It provides you a quick and easy snapshot of your account on the go. The information you will see depends on your account type.
Navigate to Profile & Settings in the Discover mobile app and select "Quick View." On the Quick View screen, you'll see an overview of how it works and the option to turn it on. To enable Quick View, you just need to turn the switch to "On." Once it's enabled, you can either tap on the "Quick View" button on the login page of the app or swipe the page to view your account information quickly.
Navigate to Profile & Settings in the mobile app and select "Quick View." On the landing page, slide the switch to "Off." Once it's turned off, the Quick View button will continue to appear but your account information will not be available. You can also call us at 1-800-290-9885 if you need to disable your Quick View settings.
Please note that if you disable Quick View yourself, it will only disable it from that specific device. You will need to disable it on all devices separately. However, if you call to have it disabled, it will be disabled from all devices at one time.
Yes. You can enable this setting on any device you use to access the Discover Mobile App.
In the event that your mobile device is lost or stolen, please call us immediately at 1-800-290-9885 to disable your Quick View settings.
Touch ID is a customized log in feature that allows you to access your account with your fingerprint instead of your login information or Passcode.
Touch ID is currently only available for the iPhone 5S or newer Apple iPhones with Touch ID technology.
In order to utilize Touch ID you must have the Passcode function enabled first. To manage your Passcode, log in to your account from the Discover Mobile App and select "Profile & Settings" from the menu on the left and select "Manage Login" from the sub-menu. Once your Passcode is enabled, the Touch ID key will appear in the lower left-hand corner of the Passcode screen when you log in again. If you already have the Passcode function enabled on your device, launch the Discover Mobile App, select "Profile & Settings" from the menu on the left and select "Manage Login" from the sub-menu. Choose Touch ID and you will be prompted to enter your passcode and scan your fingerprint to complete setup.
If you cancel out of the Touch ID pop-up box when launching the Discover Mobile App, you will land on the Passcode keypad for login, where you can choose the Touch ID option in the lower left-hand corner.
After 6 unsuccessful attempts, Touch ID will be temporarily disabled until you log into your device using the Passcode. Please make sure you have the correct fingerprint saved by going to the device "Settings" menu. After signing in with your Passcode, select "Profile & Settings" from the menu on the left and select "Manage Login" from the sub-menu. You can enable the "Touch ID" option, and the next time you launch the Discover Mobile App you will see the Touch ID option in the lower left hand corner to access your account with your fingerprint.
To manage the Touch ID option, select "Profile & Settings" from the menu on the left and select "Manage Login" from the sub-menu. Tap the "Touch ID" from the menu, and ensure the notification to the right indicates "Off."
After signing into the app with your Passcode, select "Profile & Settings" from the menu on the left and select "Manage Login" from the sub-menu. Tap the "Touch ID" from the menu, and ensure the notification to the right indicates "On." The next time you launch the Discover Mobile App there will be a Touch ID option in the lower left hand corner of the Passcode keypad.
Enabling Touch ID grants Discover access to validate your fingerprint against any of the fingerprints stored on this device. Discover does not store or maintain your fingerprint.
For information about funds availability and transfer limits, please see section 15 in the Deposit Account Agreement.PDF Document
Additional restrictions may apply. See the Account Center (Banking) AgreementPDF Document for complete details.
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.
No, Discover Bank will never send you an e-mail requesting you to reply directly in an e-mail with any personal information such as:
If you do receive a suspicious email, please call us immediately at 1-800-347-7000.
You will have the option to enroll in paperless statements during the online account opening process or from the "Accounts" tab when you are logged into your account. Please note that only Primary Accountholders can enroll for paperless statements.
Money Market, Savings, and Checking statements are available monthly. CD statements are available quarterly, and IRA CD statements are availably annually. You will receive an email when your statement is available.
If you are not enrolled in paperless statements, your paper statements for Money Market, Savings, and Checking accounts will be mailed to you at the completion of each statement cycle. Statements should arrive within 5-10 business days of your statement cycle date. CD statements will be sent quarterly and IRA CD statements will be mailed annually.
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).
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.
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.
Certificates of Deposit, Money Market accounts and Online Savings accounts can be opened as custodial accounts.
To apply for a Custodial account, call us at 1-800-347-7000. U.S.-based Banking Specialists are available 24/7 to assist you with completing your custodial account application.
The legal age in which a minor established on a Custodial Account opened under the Delaware Uniform Transfer to Minors Act becomes the sole owner of that account. If the account was opened on or after June 26, 1996, the age of majority is 21. If the account was opened prior to June 26, 1996, then the age of majority is 18.
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