Discover Bank Locations
Wondering if there is a Discover® Bank near you? Read this article to find out.
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Discover® Bank Locations
Discover is an online bank based in Greenwood, Delaware. They don't have retail branches to serve customers, but they do maintain several corporate offices in the US[1].
You can still access your money through their extensive 415,000+ ATM network. Discover also gives access to more than 60,000 surcharge-free Allpoint® or MoneyPass® ATMs.[2]
Discover® Bank is an online-only bank, but it does have one flagship branch located in Greenwood, Delaware.
About Discover® Bank
Discover Bank is a digital bank owned by Discover Financial Services. They are best known for their credit cards, but they also provide other banking products such as checking, savings, CDs, and loans.
Despite not having any physical locations, Discover offers great accessibility thanks to its easy-to-use online banking platform and extensive ATM network.
No, not all ATMs are open 24/7, as hours vary per location. You can use Discover's ATM Locator to find one near you.
Discover Mobile App
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Being one of the most popular digital banks, Discover is known for its top-rated, easy-to-use mobile app. It comes with a variety of handy features such as:
- Mobile check deposit
- Online bill payment
- Money transfer
- Account and activity alerts
There are several ways you can deposit money into your Discover® Online Savings Account, such as:
- Mobile check deposits
- Online bank transfers
- Direct deposits
- Mail a check
Discover Bank Customer Support
Discover boasts 24/7 customer support, so here are some ways you can reach them:
By phone:
- To open an account: 1-800-347-7000
- For online banking technical support: 1-800-290-9885
- To report fraudulent activity: 1-877-737-1931
- For calls outside the US: 1-801-451-3737
By mail:
- For checking and savings accounts:
General Correspondence, Discover Bank, PO Box 30416, Salt Lake City, UT 84130 - For new accounts and deposits:
Discover Bank, PO Box 30417, Salt Lake City, UT 84130 - For retirement accounts:
New IRA Accounts, Contributions and General Correspondence, Discover Bank, PO Box 30418, Salt Lake City, UT 84130
Discover Bank Pros & Cons
Pros
- High rates on savings accounts
- Access to 60,000+ surcharge-free ATMs
- No monthly fees for checking and savings
- No balance requirement for checking and savings
- 24/7 customer service
Cons
- Online-Only banking
- No ATM card for savings account
- $30 outgoing wire transfer fee[3]
How to Open a Discover Account
You can easily open a Discover account online. Here's how to do it through their website:
- Click Open an Account and select the product.
- Fill out the online application form with the necessary information.
- Submit your application and fund your account (if needed).
Is Discover Bank Safe?
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Yes, your funds are secure with Discover Bank because of FDIC insurance (FDIC #5649). Each depositor is protected up to $250,000 per ownership category, ensuring the safety of your deposits.
In the rare event of a bank failure, you can have peace of mind that your savings won't be lost.
Discover Bank Offers
Online Checking Account - Earn Cash Back
- 1% cash back on up to $3,000 in debit card purchases each month. See website for details
- No fees
- Early Pay - Get your paycheck up to two days early with no charge
- No credit impact - You can apply without affecting your credit score.
- Access to over 60,000 no-fee ATMs in the U.S.
Online Savings Account - Earn 3.90% APY
- No fees
- No minimum opening deposit
- No minimum balance required
Money Market Account
- Earn 3.70% APY for balances under $100,000
- Earn 3.75% APY for balances $100,000 and over
Discover® CD Rates
- No minimum opening deposit required
- No fees
- FDIC insured
| Term | CD Rates |
|---|---|
| 3 Months | 2.00% APY |
| 6 Months | 3.70% APY |
| 9 Months | 3.80% APY |
| 1 Year | 4.10% APY |
| 1.5 Years | 3.80% APY |
| 2 Years | 3.60% APY |
| 2.5 Years | 3.50% APY |
| 3 Years | 3.50% APY |
| 4 Years | 3.40% APY |
| 5 Years | 3.40% APY |
| 7 Years | 3.40% APY |
| 10 Years | 3.40% APY |
Bottom Line
Discover Bank is a solid option for securing and growing your funds. Even though they don't have physical branches, they stand out in delivering excellent banking products and services.
You can also easily open and manage your account online, making financial management so much easier.
References
- ^ Discover Bank. Our Locations, Retrieved 11/18/2023
- ^ Discover Bank. ATM Locator, Retrieved 11/18/2023
- ^ Discover Bank. FAQ: Is there a service charge for sending a wire transfer?, Retrieved 01/12/2024
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY924 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/13/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding your Account, see FAQs on Discover.com/Bank. See advertiser website for full details.
Chase Total Checking® - $300 Bonus
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 01/31/2025.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* totaling $2,000 or more into that new eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
U.S. Bank Smartly® Checking - Up to $450 Bonus
Earn up to $450 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposits(s) totaling $2,000 to $4,999.99 to earn $250, $5,000 to $7,999.99 to earn $350 or $8,000 or more to earn $450.
Fund your new account within 30 days to start qualifying activities. Offer may not be available if you are an existing U.S. Bank customer or live outside of the U.S. Bank footprint.
CIT Bank Platinum Savings - 4.55% APY
- 4.55% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
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