The Discover Bank routing number is 031100649. It is used for electronic transfers made by ACH (including Direct Deposit) and for domestic wire transfers (from another financial institution within the U.S.).
Follow the steps below to send an outgoing wire transfer. Please make sure your request is submitted at least 2-3 days in advance of when you would like us to process your wire to ensure pre-processing can be completed; allow additional time if mailing your request.
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.
As a reminder, all wire transfer requests require verbal authorization before they can be processed. Once you submit your request, you must call us to authorize it. Failure to do so will result in longer processing times and a possible cancelled request.
You can submit a wire transfer request through the Account Center, or by downloading, completing, and submitting the paper form.
Once you have completed your Wire Transfer Request Form, you can submit it through any of the following methods:
There is a $30 wire transfer fee for each outgoing wire transfer sent from your Discover account.
For domestic wire transfers (from another bank in U.S.), please wire funds to:
For international wire transfers (from another bank outside the U.S.), please wire funds to:
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 1-800-347-2683.
For domestic wire transfers received, Discover does not charge a fee.
For international wire transfers received in U.S. Dollars, Discover does not charge a fee.
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, that intermediary bank may charge you a fee for their services that could impact the total amount we receive.
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.
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 Debit, 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 Debit, 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.
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.
However, your account may be subject to other fees if there are insufficient funds to cover any overdraft(s) or you exceed your account's transaction limitations.
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.
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.
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.
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.
With the Discover Mobile App for Android, iPhone, and tablet 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.
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.
To enable Passcode:
If you have Passcode enabled and would like to disable it:
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.
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.
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.
Quick View allows you to see your account activity from the login screen of the Discover Mobile App. This way, you can access your information easily without having to log in to your account.
To enable Quick View:
If you have Quick View enabled and would like to disable it:
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.
In the event that your mobile device is lost or stolen, please call us immediately at 1-866-245-7419 to disable Quick View.
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.
Fingerprint login is available for Apple devices with Touch ID technology (iPhone 5S and newer), and for Android devices with built-in fingerprint readers.
In order to use Fingerprint login, you must first have the Passcode function enabled. To enable both Passcode and Fingerprint:
If you cancel out of the Fingerprint pop-up box when launching the Discover Mobile App, you will be taken to the Passcode keypad for login, where you can choose Fingerprint below and to the right of Passcode.
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.
If you have Fingerprint login enabled and would like to disable it:
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.
For information about funds availability and transfer limits, please see section 15 in the Deposit Account Agreement.PDF Document
The following limitations apply to online transfers initiated through Discover Bank's Account Center:
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) 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 avalilable annually. You will recieve an email when the statement is available.
If you are enrolled in paperless statements, your paper statements for Money Market and Savings 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.
Please note that Cashback Debit accountholders are automatically enrolled in paperless statements when they open their account and will not have the option to receive a paper statement or unenroll from receiving electronic statements.
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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