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Discover Bank

Discover Bank Promotions

Read our in-depth review of Discover Bank to see why Discover Bank scored 4.6 stars out of 5. We like their high yield, no fees, and 24/7 customer service.

$200

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 Offer may be modified or withdrawn without notice.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.

Expires 3/13/2025
$150

Discover® Online Savings - $150 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 Offer may be modified or withdrawn without notice.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.

Expires 3/13/2025
4.00%

Online Savings Account - Earn 4.00% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required

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.
$30

Discover® Cashback Checking - Up to $30/Month Cashback

Earn 1% cash back on up to $3,000 in debit card purchases each month, for a total of up to $30 cashback per month. Discover Cashback Debit checking account has no minimum balance requirement, no fees, and free online bill pay. See website for details.

Certificate of Deposit

  • 4.10% APY for 12-month term
  • 3.80% APY for 18-month term
  • 3.50% APY for 36-month term
  • 3.40% APY for 5-year term

Money Market Account

  • Earn 3.80% APY for balances under $100,000
  • Earn 3.85% 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 3.90% APY
9 Months 4.00% 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

IRA Certificate of Deposit

  • 4.10% APY for 12-month term
  • 3.50% APY for 36-month term
  • 3.40% APY for 5-year term
4.10%

IRA Certificate of Deposit - Up to 4.10% APY

  • No minimum opening deposit required
  • No fees
  • FDIC insured

Term CD Rates
3 Months 2.00% APY
6 Months 3.90% APY
9 Months 4.00% 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
High-Yield Savings Premier - 4.46% APY

High-Yield Savings Premier - 4.46% APY

  • No account activity or maintenance fees
  • $500 minimum opening deposit
  • FDIC insured
The annual percentage yield (APY) is accurate as of November 7, 2024 and subject to change at the Bank's discretion. Refer to product's website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Member FDIC
Bank of America
Member FDIC

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.
Expires 1/31/2025
Chase
Member FDIC

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*
Expires 1/22/2025
US Bank
Member FDIC

U.S. Bank Smartly® Checking - Up to $450 Bonus

Earn up to $450 when you open a new U.S. Bank Smartly® Checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through December 30, 2024. Member FDIC.

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.

Expires 12/30/2024
Western Alliance Bank
Member FDIC

High Yield Savings Account - 4.35% APY

  • No fees
  • $1 minimum deposit
  • 24/7 online access
  • FDIC insured
on Raisin's Secure Website

About Discover Bank

Discover® Bank offers some of the highest interest rates for its savings account. In addition, Discover offers cashback checking. There are no fees for checking and savings accounts.

Is Discover Banking good?
We rank Discover Bank as one of the top online banks in the nation. Discover offers some of the highest interest rates on savings products. There are no fees including minimum or service fees for Discover® Savings Account.

Read our full review of the pros and cons of Discover Bank.

What to Open at Discover Bank

  • Cashback Debit. You earn 1% cash back on up to $3,000 in debit card purchases each month (up to $30/month). There is no minimum balance requirement. Discover Bank has no fees. That includes no fee to reorder checks or replace debit card. There are over 60,000 no-fee ATMs. See website for details.

    The Discover debit card also has no foreign transaction fee, which is rare for debit cards.

  • Online Savings Account. Discover® Online Savings Account offers a high 4.00% APY with no monthly service fee or minimum opening deposit.

  • Money Market Account. The Money Market account offers a high, competitive APY and more money flexibility. You get a free debit card and checks. You can write checks, pay bills, and make debit card purchases (up to 6 of these types of transactions per month). You can make unlimited ATM withdrawals.

    There is no minimum balance requirement.

  • 12-month CD. Discover offers one of the best APYs for a 12-month CD. There is no minimum opening deposit required.

  • Discover credit cards. Discover® Bank offers some popular credit cards, all with no annual fee. You can find a wide array of options, including credit cards for cash back, travel rewards, student, business, and bad credit. All Discover credit cards have no foreign transaction fee.

Is Discover Bank FDIC insured?
Discover Bank accounts are safe and offers some of the highest interest rates on online savings. Discover Bank accounts are FDIC insured up to $250,000. This means:

  • All individual accounts combined are insured up to $250,000
  • All joint accounts combined are insured up to $250,000
  • All Traditional and Roth IRA accounts combined are insured up to $250,000

What Not to Open at Discover Bank

  • Short term CDs. For CD terms less than 12 months, the interest rate isn't great. In this case, it's much better to just save your money into the Discover Online Savings Account.

What You Need to Apply

  • Social Security number or taxpayer ID
  • Name and address
  • Date of birth
  • Email and phone number
  • Account information to fund your account

Monthly Fees

Discover Bank has no fees at all. Many other banks have a monthly fee if you do not meet a minimum balance or direct deposit requirement. With Discover, there are no fees and it is still a member FDIC bank so your money is safe.

Online Savings:

  • $0 monthly service fee
  • $0 for official bank check & expedited delivery
  • $0 for deposited item returned
  • $0 for incoming wire
  • $0 for each excessive withdrawal
  • $0 for stop payment order
  • $0 insufficient funds fee

Money Market:

  • $0 minimum balance fee
  • $0 ATM fee at over 60,000 ATMs in the US
  • $0 for check order
  • $0 for replacement debit card
  • $0 for deposited item returned
  • $0 for incoming wire
  • $0 for each excessive withdrawal
  • $0 for stop payment
  • $0 insufficient funds fee

Certificate of Deposits:

  • $0 monthly service fee
  • $0 for official bank check
  • $0 for incoming wire

Discover Bank Locations

Discover is an online bank, which means you can't just walk into a neighborhood branch to do business and ask questions.

Discover only has 2 physical locations in Delaware:

  • A full service bank at 502 E. Market Street, Greenwood, DE
  • An administration office at 12 Read's Way, New Castle, DE

Common Questions

  • Is Discover a bank?
    Discover is an online bank based in Greenwood, Delaware. It was originally established in 1911 as Greenwood Trust Company and was acquired by Discover in 1985. Discover offers a full range of services, including online banking, loans, and Discover credit cards.

  • Is Discover bank safe?
    Yes, though it's an online bank, Discover Bank is FDIC insured. That means you are protected against the loss of your deposit if the bank fails, up to $250,000. This makes Discover a good place to save and earn more interest on your savings.

  • Does Discover Bank offer checking accounts?
    Yes, Discover offers a Cashback Debit checking account with no minimum balance or activity requirements and no fees. You earn 1% cash back on up to $3,000 in debit card purchases each month (up to $30/month). See website for details.

  • How do I withdraw money from my Discover bank account?
    Discover savings account does not offer an ATM card. You can withdraw by transferring funds to your Discover checking account or to an external bank account.

    Federal law limits you to 6 withdrawals and transfers per month for savings accounts. However, there are no limits on official checks mailed to you.

  • How long does it take to deposit money to Discover?
    Funds from ACH credit transfers and wire transfers initiated at an external bank to Discover will be available for withdrawal on the business day they receive the deposit.

    Funds from ACH transfers initiated at Discover Bank (to be withdrawn from your external bank account) are generally available within 4 business days after the date your request was initiated.

    Sometimes the availability of funds may be delayed up to 10 business days. For instance, if you are a new customer or if you have overdrawn your account repeatedly in the last 6 months.

    Note: Business Days are Monday through Friday, excluding Federal Reserve Bank Holidays.

  • How often is Discover savings account compounded?
    Discover Online Savings offers 4.00% APY. The interest is compounded daily and deposited monthly. You'll start earning interest as soon as you deposit money into a Discover savings account.

  • Can you deposit cash with Discover Bank?
    Discover Bank does not accept ATM cash deposits. Customers can deposit cash into a separate checking account, such as one with a local bank or credit union, and then transfer the money into a linked Discover Bank account.

  • Can I have 2 Discover Savings Accounts?
    Discover Bank has no limit on the number of online savings accounts you can open.

What Banks Give Bonuses for Opening Accounts?

What the Experts Say

CreditDonkey asked a panel of industry experts to answer readers' most pressing questions. Here's what they said:

    More Information

  • Pricing information and data points from published website as of 11/20/2024.
  • For the complete terms and conditions, view the merchant's website. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the merchant's website.
 Discover Bank
Member FDIC
 Visit SiteLearn More
 

Discover Bank

Capital One

 

Benefits and Features

Savings
4.00% APY
3.90% APY
CD2.00% to 4.10% APY depending on terms3.50% to 4.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 4.00%
CheckingCashback Debit Account: 1% cash back on up to $3,000 in debit card purchases each month. See website for details
0.10% APY
Money Market3.80% APY under $100,000; 3.85% APY $100,000 or more. 
ATMs
Over 60,000 no-fee ATMs
over 70,000 no-fee Capital One, MoneyPass, and Allpoint ATMs
Customer Service
24/7
Mon-Sun: 8am - 11pm (ET)
IRA CD9-month CD APY of 4.00%. 12-month CD APY of 4.10%. 18-month CD APY of 3.80%. 24-month CD APY of 3.60%. 5-year CD APY of 3.40%. 
Locations
Online Only
262 branches
 Visit SiteLearn More

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Discover Bank: Pricing information and data points from published website as of 11/20/2024.

Capital One: Pricing information from published website as of 11/19/2024.

More Deals to Save Money at Discover Bank

9 Month CD - 4.00% APY

6 Month CD - 3.90% APY

2 Year CD - 3.60% APY

3 Year CD - 3.50% APY

30 Month CD - 3.50% APY

10 Year CD - 3.40% APY

4 Year CD - 3.40% APY

5 Year CD - 3.40% APY

3 Month CD - 2.00% APY

18 Month CD - 3.80% APY

7 Year CD - 3.40% APY


Discover Bank Alternatives

Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

  • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
  • Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
  • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
  • Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
  • JPMorgan Chase Bank, N.A. Member FDIC.
Expires 1/22/2025
Bank of America
Member FDIC

Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer

  • The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new eligible business checking customers only.
  • Offer expires 12/31/2024.
  • To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
  • Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
  • 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.
  • *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts.
  • ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
  • Bank of America, N.A. Member FDIC
Expires 12/31/2024
US Bank
Member FDIC

Silver Business Checking account - $400 Bonus

Promo code Q4AFL24 MUST be used when opening a U.S. Bank Silver, Platinum, or Business Essentials (Available in AZ, NV, CO, NM, OH, IN, KY and TN) Business Checking account. Limit of one Business Checking bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

Earn your $400 Business Checking bonus by opening a new U.S. Bank Silver Business Checking or Business Essentials (not available in all markets) account between 10/1/2024 and 1/15/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening.

New money is considered money that is new to U.S. Bank. Funds must come from outside U.S Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. Checking account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

The business checking bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. This document can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC.

Expires 1/15/2025
CIT Bank
Member FDIC

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
Fifth Third Bank
Member FDIC

Personal Checking Account - $300 Bonus

Open an eligible Fifth Third checking account. Make direct deposits totaling $2,000 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.

Expires 12/31/2024

Articles on Discover Bank

Discover Bank

Discover® Bank offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account.

Discover Savings Review

Make your money work with Discover® Bank high yield savings: high interest, no fees. Find out its benefits, drawbacks, and the easy way to open an account.

Discover CD Rates

Maximize returns with Discover® Bank lucrative CD rates - no hidden fees. Read this detailed review.

Discover High Yield Savings Bonus

Earn up to $200 bonus by opening a Discover® Online Savings Account. Find out how to qualify with the correct bonus.

Discover Bank Locations

Wondering if there is a Discover® Bank near you? Read this article to find out.

Discover Checking Account Fees

Does Discover® Cashback Debit have any fees? Find out if they are completely fee-free.

Who Owns Discover

You've probably heard of Discover credit cards, but what exactly is Discover® Bank? Is it a legitimate bank? Read on for all the details.

Discover Checking Account Minimum Balance

Discover® Cashback Debit doesn't have a minimum balance. But what's the catch? Read on for all the details.

Discover Checking Account Requirements

Discover® checking account offers no monthly fees and a rewarding cashback program. Here's what you need to open an account today.

Discover Savings vs Money Market

Discover® Bank boasts solid rates for both their money market and savings accounts. Find out which one is more suited for you.

Is Discover a Real Bank

Looking for a safe bank with great rates? This analysis of Discover® Bank reveals all - is it legit? Find out now.

Is Discover Savings Worth It

Is your money secure in a high-yield Discover® savings account? Get your answers now.

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More Bank Promotions

Capital One 360 Promo Code

Personal Savings Account - $1,500 Bonus

Ally Bank Promotions

Online Savings Account - 3.85% APY
Chase
Member FDIC

Chase Coupon

Chase Bank $300 Bonus

Wells Fargo Promotions

Personal Checking Account - $300 Bonus
Bank of America
Member FDIC

Bank of America Promotions

Bank of America Advantage Banking - $300 Bonus Offer

Marcus

Marcus Online Savings - Earn 4.10% APY

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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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