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A bank built around you
No matter what you’re looking for, we’ve got an online bank account designed to make it more rewarding. Let us help you find the right bank account for you.
Our Products
- Checking Account
Checking Account
Enjoy cash back for spending and easy access to cash
Open an Account Online Checking Account
- 1% cash back on up to $3,000 in monthly debit card purchases
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),online sports betting and internet gambling transactions, 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 Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.
- No monthly fees and no minimum balance
- Early Pay for access to your paycheck up to two days early with direct deposit
Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early. See our Deposit Account Agreement for more information.
Learn more
- 1% cash back on up to $3,000 in monthly debit card purchases
- Online savings Account
Online Savings Account
Save simply with higher interest and clear terms
Open an Account OaO
- Interest over 5xthe National Savings Average
The Annual Percentage Yield (APY) for the Online Savings Account as of XX/XX/XXXX is more than five times the national average APY for interest bearing savings accounts with a balance of $500 as reported by Curinos as of XX/XX/XXXX.National average is based on information regarding the top 50 banks (by deposit size) and may not include information from variations in regional pricing at such banks or information from products that may not be widely available to their customers. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. APYs are subject to change at any time.
- No minimumbalance requirement
- No monthly feesor hidden penalties
Learn more
- Interest over 5xthe National Savings Average
- Money Market Account
Money Market Account
Earn higher interest with easy access to cash
Open an Account Online Money Market Account
- X.XX% APY
Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX for Money Market Account balances under $100,000 and subject to change daily without notice before or after the account is opened. Applies to personal accounts only. Minimum opening deposit is $2,500.
for balances under $100,000 - X.XX% APY
Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX for Money Market Account balances of $100,000 or more, on the entire balance in your Money Market Account, and subject to change daily without notice before or after the account is opened. Applies to personal accounts only. Minimum opening deposit is $2,500.
for balances $100,000 and over - Easy cash accessvia ATM, debit or check
Learn more
- X.XX% APY
- CD Account
Certificate of Deposit
Score guaranteed returns with flexible terms
Open an Account Online CD Account
- X.XX% APY
Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding. Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.
for a 12-month term - Flexible termsfrom 3 months to 10 years
- Startsavingwith as little as $2,500
Learn more
- X.XX% APY
- Retirement Accounts
Retirement Accounts
Secure your tomorrow with smart planning today
- No account fees
We don’t charge any incoming or outgoing wire service charge fees for IRA products.
- Choose fromRoth or Traditional IRAs
- Step-by-step helpavailable 24/7 by phone
Learn more
- No account fees
- Find the right account for you
Find the right account for you
No banking fees, no surprises
We're an online bank that says goodbye to gimmicks, gotchas, and fees.
No. Fees. Period. 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. A penalty may be charged for early withdrawal from a CD account or IRA CD account.
- No monthly fees on any account.
- No insufficient funds or overdraft fees.
For Discover Bank Cashback Debit, Online Savings and Money Market Accounts.
Get help choosing a bank account
All the important banking perks
Simple terms? Check. What about outstanding rewards and excellent service? Yeah, we have that too.
1% Cash Backon 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),online sports betting and internet gambling transactions, 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 Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.
Checking Account
X.XX% APY Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.
Online Savings Account
X.XX% APY Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding. Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.
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Discover Bank®, NerdWallet's 2024 winner for Best Online Banking Experience NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.
“Discover’s high-yield savings account is among the best in its online class.”
“Discover Bank is an online bank providing one of the most attractive checking account offers in the industry. With it you can earn cash back on debit card purchases, while paying no monthly fees.”
“Most of the time, Discover Bank is on our list of the best high yield savings accounts and our list of the best money market accounts.”
"Discover Bank offers a broad range of products, including checking and savings accounts, money market accounts, and CDs with maturity dates between three months and 10 years."
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Right here when you need us
See which of 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.
Make sure your search is spelled correctly. Try adding a city, state, or zip code.
Opening a Discover online banking account couldn’t be simpler
- Give us a few basics (like address and Social Security Number), and we’ll get the ball rolling.
- Make a deposit now or come back and do it later. Whatever works for you.
- Check your email for a confirmation, and you’re on your way to making your financial goals a reality.
- Checking Account
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Modern Money Blog
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How does bank interest work, and what are savings account interest rates? This article and video will help set the record straight.
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