No banking fees, no surprises
We're an online bank that says goodbye to gimmicks, gotchas, and fees.
No. Fees. Period.
Get help choosing a bank account
- No monthly fees on any account.
- No insufficient funds or overdraft fees.
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
Checking Account
3.75% APY
watch your money grow
Online Savings Account
4.00% APY
12 months
lock in long-term earnings
Certificate of Deposit
Discover®, NerdWallet's 2025 winner for Best Online Banking Experience Overall
“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."
New year. New opportunities.
No matter what your financial goals are for 2025, there are ways we can help you achieve them.
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Earn interest over 5X the National Savings Average with an Online Savings Account.
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Get cash back and early access to paychecks with Cashback Debit.
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Plan your retirement or supplement your nest egg further by choosing the right IRA.
You can also check out our Modern Money Blog for more banking insights and strategies or take our quiz if you need help deciding which account is right for you.
Right here when you need us
See which of over 60,000 no-fee ATMs are at the stores you already frequent.
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.
Need help?
We've got your back.
Our friendly customer service team is available 24/7.
Modern Money Blog
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.
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