Security Center

Explore how Discover Bank's industry-leading practices guard your personal information so you can have peace of mind every time you visit us online. Plus, get advice from our experts on how to protect yourself from fraud and identity theft and what steps to take if you become a victim.

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We keep your money and your privacy safe.

$0 Liability Protection

You're not responsible for unauthorized debit card, online or mobile banking transactions. If you have suspicious activity on your account, notify us immediately and we will take it from there.

Bill Pay Protection

Your Discover Bank Account includes Bill Pay Protection. Pay bills using our Online or Mobile Bill Pay and if, due to our error, your payment is late we will cover the late fees.

Secure Online/Mobile Banking

Your information is encrypted for your security. We utilize Secure Socket Layer (SSL) technology to encrypt all of your personal and account information. Additionally, your account information, including your statements, is password-protected online in the Account Center.

Information Privacy

We value your trust and your privacy. That's why protecting your personal and financial information is a priority. We limit the sharing of information with others and maintain physical, electronic and procedural safeguards to protect the information we have about you.

Proactive Fraud Monitoring

Your account is monitored for potential fraud and we will alert you if we see anything suspicious. If you do have fraud on your account, a fraud specialist will work with you until your issue is resolved.

Please see your Account Agreement and Online Bill Pay Terms and Conditions for complete details.

See how our strict security standards and state-of-the-art encryption technology help ensure your information and accounts are protected.

Protecting our Customers

Online Access

Secure Socket Layer Certification (SSL)

We use 128-bit Secure Socket Layer (SSL) to encrypt or scramble your personal information being sent over the Internet. This technology makes it virtually impossible for someone else to access your information. View SSL Certificate


A firewall is a filter used to determine whether information is allowed to travel from one network to another. Discover Bank uses multiple layers of firewalls to help block critical areas of our network from prying eyes.

System Monitoring

Intrusion detection devices installed throughout the site provide real-time alerts about system changes or attacks. They are monitored on a continual basis to help ensure account protection.

Online Account Center

Online Account Center
Enhanced Identity Verification

In addition to providing a User ID and Password, all Discover accounts require a user to answer security questions containing information not found on confidential documents.

Secure Message Center

No lines to wait in or banking hours to remember. Send and receive secure messages with a U.S.-based Banking Specialist anytime, day or night. All your correspondence is protected by Discover's state-of-the-art encryption technology to safeguard against potential information and identity theft.

Dedicated Fraud Specialists

Our Fraud Unit proactively monitors your account for any unusual activity. If we see anything suspicious we'll place a hold on those transactions and will alert you right away.

Privacy Policy

Designate who can access your personal and financial information. Learn more about how to limit your sharing by reviewing our Privacy Policy.

Paperless Statements

Statements and Documents

Paperless Statements

Reduce the potential for mail fraud all while helping decrease your carbon footprint. Paperless statements are offered with most Discover accounts (with the exception of IRA CD, Trust or Custodial accounts), and eliminate the hassle of shredding paper.

Electronic Documents

All documents are encrypted and stored in our Secure Message Center where they can only be accessed by the accountholder.

All Discover accounts are FDIC-insured up to the maximum amount allowed by law. Learn more

As the Internet and mobile world moves at a rapid pace, so do online fraudsters, hackers and viruses. Follow the steps below to keep yourself safe online.

Maintain Online Safety

Maintain Online Safety

Monitor your account activity regularly
  • To review your account activity, register your Discover account to the online Account Center or use our mobile app.
  • Call a Banking Specialist at 1-800-347-7000 to report any fraudulent activity.
Watch out for requests to disclose personal information
  • Discover will never request that you send sensitive information via email.
  • Never disclose personal information including User ID, Password, and other confidential information.

Prevent Fraud

Prevent Fraud
Shred confidential documents
  • Shredding sensitive documents prevents thieves from taking personal information from the trash.
Watch out for phishing emails
  • "Phishing emails" are sent with the purpose of fraudulently obtaining your personal identification and account information, or luring you into downloading malicious software.

The sophistication of these scams increases all the time. Here are some common themes to phishing emails so that you can better identify them and protect yourself:

  • Any email with an urgent request for personal or financial information.
  • Any email with scary, false statements designed to get you to provide information immediately. They typically request usernames, passwords, date of birth, social security number, credit card numbers or other personal information.
  • Identify masking links within a communication by holding your mouse over a link to reveal the actual URL you'll be directed to. If that URL does not appear to match the link representing it, never click on it, as this could initiate virus installations.

Examples of Common Discover Phishing Emails

Stay informed about the latest scams

For the latest list of scams, visit or view the Discover-specific examples below:

Do you need help now?

If you believe that you have received a phishing or fraudulent email, forward it to If you interacted with the email and believe your account security has been compromised, please call 1-800-DISCOVER (1-800-347-2683) immediately.

Protect Your Home Computer

Protect Your Home Computer
Maintain an up-to-date operating system and Internet browser
  • Updates to operating systems are often used to repair security flaws.
  • New vulnerabilities may be discovered at any time; we recommend that you use an automatic update service.
Use the most current antivirus software
  • Signature files make it possible for the antivirus software to detect viruses.
  • Most antivirus companies offer subscription services to ensure you get the latest updates.
Install a firewall to keep hackers out
  • An easy-to-install personal firewall prevents hackers from gaining access while you're online.
  • This prevention is especially important if you connect to the Internet via a cable modem or a digital subscriber line (DSL) modem.

If you think you're a victim of fraud, here is how to take action immediately to stop it.

If You Suspect You've Received a Fraudulent Email

If you believe that you have received a fraudulent email, forward it to A Customer Service Representative can verify it. If you are worried about your account security, please call 1-800-DISCOVER (1-800-347-2683) immediately.

Act Quickly

If you believe your identity or financial information is being used fraudulently, call Discover Bank immediately at 1-800-347-7000. The sooner you act, the better the chances of catching the culprit and of limiting the damage.

Close fraudulent accounts

If you find accounts have been opened in your name without your knowledge, contact the company directly and ask to have them closed. Inform the company that the account was opened fraudulently. Keep detailed notes of your conversation and ask for documentation showing the account has been closed.

Contact the Social Security Administration

If you think your identity or Social Security Number has been used without your consent, call the Social Security Administration Fraud hotline at 1-800-269-0271.

File a Police Report

The best way for the authorities to bring criminals to justice and prevent future fraud is through sharing information. Your police report helps authorities gain insight on how the crime was committed.

Report the theft to the Federal Trade Commission

Call 1-877-IDTHEFT (877-438- 4338) or TTY 1-866-653-4261 to report ID theft so that law enforcement across the country can use the information to help with its investigations. You can also report ID theft to the FTC online at The FTC has a comprehensive identity theft recovery guide titled Take Charge: Fighting Back Against Identity Theft. This publication is also available at

Prevent Future Fraud

The minute you learn your identity is being used fraudulently, place a fraud alert on your name and identity. This helps prevent future fraud and further tarnishing of your personal and financial records. Call the three national credit- reporting organizations and the Federal Trade Commission immediately to place a fraud alert on your name and identity. The numbers are:

  • Equifax: 1-800-525-6285
  • Experian: 1-888-397-3742
  • TransUnion: 1-800-680-7289
  • Federal Trade Commission: 1-877-IDTHEFT (1-877-438-4338)

SSL Certificate

  • First, look for https in the page URL. The “s” signifies that the page is secure.
  • Most browsers have a “lock” icon. If the lock is closed/locked, the page is secure.
  • Most browsers shade the lock/text/background green. Green means secure.
  • Many browsers show the actual server security certificate “DFS Services LLC [US]”