Online Banking
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Take your money further with the right account
From cash back on debit card purchases to % 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. for your savings, we can help you find an account that fits your goals.
No banking fees, no surprises
We’re an online bank here to help meet your financial needs.
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 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 Back on up to $3,000 in debit card purchases each month
Earn 1% cash back on up to $3,000 in debit card purchases each month. See Deposit Account Agreement for details on transaction eligibility, limitations and terms.
Checking Account % 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.
watch your money grow 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. No minimum deposit required to open an account.
12 months lock in long-term earnings Certificate of Deposit Previous Discover®, NerdWallet’s 2025 winner for Best Online Banking Experience Overall
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 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 is on our list of the best high yield savings accounts and our list of the best money market accounts.”
“Discover 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.”
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. ATM owners may charge a fee at locations outside of our no-fee network.
If you’re charged a fee, please be aware that some ATM operators leave the network without notifying Discover and those ATMs may continue to display as “No Fee” in our locator until it can be updated. If you have any issues using an ATM that’s displayed in our locator, or if you believe you’ve been charged an ATM fee in error, contact us at 1-800-347-7000.
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.
How does bank interest work, and what are savings account interest rates? This article and video will help set the record straight.
What to look for in an online checking account—and how to open one that fits your needs.
Learn how to plan around the 11 bank holidays that can delay your banking transactions.
View all articles Next <![CDATA[ let bannerWrap = document.getElementsByClassName("banner-list-wrap"); for(i=0;i <![CDATA[ let analyticsAPYData= ["_OpenAnAccountBox_SelectAccountTypeMenu_CheckingAccount","_OpenAnAccountBox_SelectAccountTypeMenu_OnlineSavingsAccount","_OpenAnAccountBox_SelectAccountTypeMenu_MoneyMarketAccount","_OpenAnAccountBox_SelectAccountTypeMenu_CertificateOfDeposit","_OpenAnAccountBox_SelectAccountTypeMenu_IRACD","_OpenAnAccountBox_SelectAccountTypeMenu_IRASavingsAccount"]; let oaoAPYSelect= document.querySelectorAll('.reskin-apy-wrap .reskin-oao-box .dropdown-menu li a'); for(i=0;i 0 ){ post_fingerprintsnoencode(); } ]]> 0 ){ document.getElementById(‘ssid’).value = “DefaultSSID_SCRIPT”; } ]]> 0 ){ fileBB(); } ]]> 0){ var wi= $(“.no-fees-list-detail .discover-tooltip”).parents(“.no-fees-list-detail”).offset().left + $(“.no-fees-list-detail .discover-tooltip”).parents(“.no-fees-list-detail”).width(); if($(window).width()> 767){ $(“.no-fees-list-detail .discover-tooltip”).css(“left”,wi+5); } } }); ]]> 0){ $(“.bank1 .introduction-text”).append(‘ †’); } ]]> <![CDATA[ if($('.comb-comp-chart').length<=0){ $(".landingPage.lngChecking.rebrand-lng .addBankBox .modal-title").append('
The non-Discover service marks for Chase, BankAmerica Corp., Wells Fargo & Co., Chime Financial, Inc. and Fifth Third Bancorp are owned by each respective entity.‘); } ]]>
<![CDATA[ if($('.comb-comp-chart').length<=0){ $(".productPage.checkingPage .addBankBox .modal-title").append('
The non-Discover service marks for Chase, BankAmerica Corp., Wells Fargo & Co., Chime Financial, Inc. and Fifth Third Bancorp are owned by each respective entity.‘); } ]]>
0){ $(“.productPage .addBankBoxOverlay .discover-tooltip”).on(“mouseover click focus”, function (e) { if (e.target.tagName && [‘span’].indexOf(e.target.tagName.toLowerCase()) > -1) { $(‘.productPage .addBankBoxOverlay .discover-tooltip’).parents(‘.addBankBoxOverlay .modal-dialog’).css(‘overflow’, ‘visible’); } }); $(“.productPage .addBankBoxOverlay .discover-tooltip a.closebtn”).on(“click focus”, function () { $(“.productPage .addBankBoxOverlay .discover-tooltip”).parents(‘.addBankBoxOverlay .modal-dialog’).css(‘overflow’, ‘auto’); }); $(“.productPage .addBankBoxOverlay .discover-tooltip”).on(‘mouseleave’, function () { $(“.productPage .addBankBoxOverlay .discover-tooltip”).parents(‘.addBankBoxOverlay .modal-dialog’).css(‘overflow’, ‘auto’); }); } ]]> 991 && winWidth 1024 && winWdth 1024) { $(this).find(‘.cashback’).find(‘.before-tip’).css(“left”, (brandTooltipCashBackWidth-brandTooltipLeft-10)); $(this).find(‘.cashback’).find(‘.after-tip’).css(“left”, (brandTooltipCashBackWidth-brandTooltipLeft-10)); } }); ]]> 1024){ $(“.rebrand-pg-blue-col .header-wrapper .secondary-header-wrapper .secondary-header-navigation .seondary-nav-open-acc”).on(‘click mouseover’,function(){ $(this).find(“ul.discover-navigation-menu”).css(“display”,”block”); $(this).addClass(‘active’); if($(this).hasClass(‘active’)){ $(this).find(“.open-acc”).css({‘background’: ‘#23233f’,’color’:’#fff’}); $(this).find(“.open-acc .reskin-icon”).removeClass(“caret-down-blue-sml”).addClass(“caret-up-wt-sml”); }else{ $(this).find(“.open-acc”).css({‘background’: ‘0’,’color’:’#23233f’}); $(this).find(“.open-acc .reskin-icon”).removeClass(“caret-up-wt-sml”).addClass(“caret-down-blue-sml”); } }); $(“.rebrand-pg-blue-col .header-wrapper .secondary-header-wrapper .secondary-header-navigation .seondary-nav-open-acc”).on(‘mouseleave’,function(){ $(this).find(“ul.discover-navigation-menu”).css(“display”,”none”); $(this).removeClass(‘active’); $(this).find(“.open-acc”).css({‘background’: ‘0’,’color’:’#23233f’}); $(this).find(“.open-acc .reskin-icon”).removeClass(“caret-up-wt-sml”).addClass(“caret-down-blue-sml”); }); } ]]> 0){ inputVal=$(‘.cmpchart-wrapper #saving-principal’).val(); window.addEventListener(‘load’, (event)=>{ $(‘.cmpchart-wrapper #saving-principal’).val(“$” + inputVal); }); } ]]> 0){ $(window).on(‘resize’,function(){ if($(window).width() > 1024){ reskinDeskScroll(); $(window).on(‘scroll’,reskinDeskScroll); }else if($(window).width() <=1024){ reskinTabScroll(); $(window).on('scroll',reskinTabScroll); } }); if($(window).width() <= 1024){ $("body").on('click',function(e){ $(".rebrand-page .header-wrapper .secondary-header-wrapper").removeClass("active"); if($(window).width() heightP){ $('.rebrand-page .header-wrapper').addClass('affix'); }else{ $('.rebrand-page .header-wrapper').removeClass('change-to-mobile'); $('.rebrand-page .header-wrapper').removeClass('affix'); $('.rebrand-page .navbar-toggle').hide(); $('.rebrand-page .secondary-header-wrapper').removeClass('down'); } } function reskinTabScroll(){ $('.rebrand-page .header-wrapper').addClass('change-to-mobile'); $('.rebrand-page .header-wrapper').addClass('affix'); $('.rebrand-page .navbar-toggle').show(); $('.rebrand-page .secondary-header-wrapper').addClass('down'); if($(window).width() li:first a”).attr(“analytics-label”,”_Header_Menu_OnlineBankingHome”); ]]> 0){ $(window).resize(function(){ $(“.new-no-fees .no-fees-list-wrap ul .no-fees-list-detail span.discover-tooltip”).css(“left”, “auto”); }); } ]]> 0 ){ $(‘.cta-quiz .next’).on(‘click’, function(e) { var flagVal= false; var disclaimerContent1= ‘
This simulation assumes that you participate in a workplace retirement plan. If you do not, then your contribution up to the contribution limit is probably fully tax deductible.]]>
‘; var disclaimerContent2= ‘
This simulation assumes that you or your spouse participate in a workplace retirement plan. If neither of you do, then your contribution up to the contribution limit is probably fully deductible.
‘; $(“.cta-quiz .cta-container .disc-content”).remove(); var disclaimerRadio= $(“input[name=filing]:checked”).attr(‘id’); if(disclaimerRadio === ‘single’ || disclaimerRadio === ‘filing-separately’){ $(“.filter-variation”).each(function(){ if(!$(this).hasClass(‘hide’)){ if($(this).html().indexOf(‘partial’) >= 0 || $(this).html().indexOf(‘Typically’) >= 0){ flagVal= “true”; } if(flagVal == ‘true’){ if(disclaimerRadio === ‘single’){ $(“.cta-quiz .cta-container”).append(disclaimerContent1); }else{ $(“.cta-quiz .cta-container”).append(disclaimerContent2); } } } }); } }); $(‘.cta-quiz .prev, .cta-quiz .nav-link.start-over, .cta-quiz .nav-link.start’).on(‘click’, function(e) { $(“.cta-quiz .cta-container .disc-content”).remove(); }); } }); 1024){ var brandTooltipLeft = $(this).find(‘.cashback’).offset().left; if((brandTooltipLeft == 0)){ $(this).find(‘.cashback’).find(‘.before-tip,.after-tip’).css(“left”, “239.5px”); } } }); ]]> <![CDATA[ $('.rebrand-page.rebrand-pg-blue-col.productPage.cdRatePage .addBankBox .modal-title').append('
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using CD account APYs. The non-Discover service marks for Chase, Bank of America, Citibank, Wells Fargo and U.S. Bank are owned by each respective entity. Although the information provided by Curinos has been obtained from the various institutions, the accuracy cannot be guaranteed. Comparison information is based on competitor product APYs with the same term, but these or other competitors may have similar products with higher CD rates (e.g., different terms, minimum balance).‘); ]]>
0){ (function(){ var tabImg= “/content/dam/dfs/online-banking/images/osa-balance-build-nerdwallet-fdic-tablet.png”, deskMobImg= “/content/dam/dfs/online-banking/images/nerdwallet-fdic.png”, winOSAWidth= $(window).innerWidth(); imgSet(winOSAWidth); $(window).on(‘resize’,function(){ winOSAWidth= $(window).width(); imgSet(winOSAWidth); }); $(window).on(‘load’,function(){ winOSAWidth=$(window).innerWidth(); imgSet(winOSAWidth); }); function imgSet(winOSAWidth){ if((winOSAWidth >= 768) && (winOSAWidth 0 && $(window).width() 1024){ var brandTooltipLeft = $(this).find(‘.cashback’).offset().left; if((brandTooltipLeft == 0)){ $(this).find(‘.cashback’).find(‘.before-tip,.after-tip’).css(“left”, “239.5px”); } } }); ]]> 0){ $(“.rebrand-page.rebrand-pg-blue-col .mobile-app-banner.wrapper .mobile-app-container”).append(“Your deposits are FDIC-insured up to the maximum amount allowed by law
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#1 in Customer Satisfaction for Direct Bank Savings AccountsOpens modal dialog
For J.D. Power 2023 award information, visit jdpower.com/awards.
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For J.D. Power 2023 award information, visit jdpower.com/awards.
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For J.D. Power 2023 award information, visit jdpower.com/awards.
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