Online Bank from Discover | Open an Online Bank Account Today

We’re here for you. And yours.

Wherever you are in life,

we’ve got an online bank account designed to make it more rewarding.

All the stuff you want. Whichever online bank account you choose, we keep the terms simple, the rewards high and the service stellar.

1% cash

back on 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), 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, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.

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. Minimum deposit to open is $2,500.    

12 mo lock in long-term earnings

Certificate of Deposit

None of the sneaky stuff.

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.

  • No monthly fees on any account.

  • No insufficient funds or overdraft fees.

    For Discover Bank Cashback Debit, Online Savings and Money Market Accounts.

  • No minimum balance.

    For Discover Bank Cashback Debit and Online Savings Accounts.

Get help choosing an account

Discover® Cashback Debit, NerdWallet’s 2021 winner for Best Checking Account with No Monthly Fee

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.”

Easy to find. See which of our 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.

Address or Zip Code

Make sure your search is spelled correctly. Try adding a city, state, or zip code.

With Zelle® your money’s making moves.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Online and from the mobile app, it’s easy to send and receive money between almost any U.S.-based bank accounts. Just enroll with your email or U.S. mobile number and you’re ready to go.

  • It’s easy to use.

    Send to friends, family and people you trust with a bank account in the U.S.

    Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address.

  • Money moves fast.

    Just tell us who to pay and how much – the money’s on its way in minutes.

    Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle

    Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle enrollment.  Message and data charges from your carrier may apply. Transaction limitations may apply. ​

    To use Zelle with Discover, an account center registered Discover checking, savings, or money market account is required. Discover and Zelle do not offer a protection program for any authorized payments made with Zelle.​

  • You’re protected.

    We won’t share any of your bank account information with your recipient.

  • No fees.

    Whether you’re sending or receiving, Discover doesn’t charge any fees to use Zelle.

Easy to love.

Online banking, now as simple as everything else you do on your phone.

EASY ACCESS MOBILE CHECK DEPOSIT SIMPLE TO USE QUICK VIEW

  • EASY ACCESS
  • MOBILE CHECK DEPOSIT
  • SIMPLE TO USE
  • QUICK VIEW

Get access to cash on the go. Just tap to find one of our no-fee ATMs near you.

Easily deposit a check into your account by snapping a photo of it with your smartphone or tablet.

For more information regarding the Discover Bank Mobile Check Deposit Service, click here.

Check on your account easily anytime. You can even skip the passcode and log in with touch or face ID.

Face ID is currently available to iOS users.

Enable Quick View to check your account balances without logging in each time.

We scoreout of 5 stars!

Star rating is representative of the Apple® App Store rating for the Discover mobile app and is updated daily.

Opening an online bank account couldn’t be simpler.

  • Just give us a few basics (like address and Social Security number), and we’ll get the ball rolling for you.
  • Make a deposit now or come back and do it later. Whatever makes it easier for you to get going on your goals.
  • Check your email for a confirmation, and you’re on your way to the future you’ve been dreaming of.
  • Modern Money Blog

    Stay on top of the latest in online banking, from budgeting to saving and beyond.

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      Put your online banking knowledge to the test and see if you’ve fallen for one of these common myths.

      “If you can manage your traditional bank’s account online via its website or app, you can manage an online-only account. It’s the same basic experience.”

      – Miguel A. Suro, founder of financial blog The Rich Miser

    • What is Zero-Sum Budgeting and Can It Work for You?

      If you want a thorough budget that will put every dollar to work for you, zero-sum budgeting might be the answer.

      Choosing a budgeting system is a lot like choosing the right approach to rehabbing or remodeling your home. You might spend months looking for the right contractor or figuring out how to do it yourself. The zero-sum budget, also known as the zero-based budget, can provide a holistic solution to revamping your finances.

    • What Happens to Mortgage Rates When the Fed Cuts Rates?

      Your guide to understanding how a Fed rate cut could impact your mortgage as a homeowner or prospective buyer.*


      *This should not be considered tax or investment advice. Please consult a financial planner or tax advisor if you have questions.

      “If the Fed drops its rate during the adjustment period, you could see your interest rate go down and, in turn, see lower monthly payments.”  

      – Emily Stroud, financial advisor and founder of Stroud Financial Management

    • 4 Smart Things to Do When You Get an Inheritance

      Coming into a windfall? Here’s how to make the most of it.

      “A large inheritance that pushes you out of your financial comfort zone can create anxiety about how to best manage the money.”

      – Robert Pagliarini, president of Pacifica Wealth Advisor

    • The Magical Third Paycheck: 5 Budgeting Hacks If You’re Paid Biweekly

      Paid biweekly? You get two shots a year to get ahead. Here’s how.

      You get two magical months like this a year: when you suddenly have a third paycheck and—the best part is—your monthly bills stay the same. Yes, it’s appropriate to jump for joy—provided you have a plan for that extra income.

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