We do not charge any account-related fees. However, there is a $30 service charge for each outgoing wire transfer from your Discover bank account.
Checking Account
Apply for a Discover Cashback Debit account without impacting your credit score.
Apply for a Discover Cashback Debit account without impacting your credit score.
Cash Back. No Fees.
Start earning 1% cash back today
On up to $3,000 in debit card purchases each month.Plus, rewards never expire.
Bank with a no-fee checking account
No. Fees. Period. That means you won't be charged a fee on our free checking account.
Get paid early with direct deposit
Get your paycheck up to two days early when you set up direct deposit for your online checking account.
Explore the benefits of a Discover checking account
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Fraud protection
A comprehensive set of features and tools to help protect your checking account from fraud.
Digital wallets
Link your debit card with Google Pay™ , Apple Pay® or Samsung Pay™ and earn rewards on qualifying purchases.
Learn more
Learn more
60,000+ fee-free ATMs
Easily access the cash from your checking account at stores you already visit. ATM Finder
Add cash to your account
Add cash to your checking account using your contactless debit card at any Walmart in the U.S. — with no fees.
Send money with Zelle®
Use Zelle® to send and receive money from friends and family.
Overdraft Services
NerdWallet's 2025 Best:
Checking Account & Online Banking Experience Overall
Checking that checks all the right boxes
See how our Cashback Debit account compares to other banks across the board.
Competitive Features
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Discover Cashback Debit |
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Chase Total Checking |
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Bank of America Advantage Plus |
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Wells Fargo Everyday Checking |
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Chime Chime Banking |
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Capital One 360 Checking |
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Fifth Third Momentum Checking |
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|---|---|---|---|---|---|---|---|
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1% cash back on up to $3,000 in debit card purchases each month |
Yes | No | No | No | No | No | No |
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Access to over 60,000 NO-FEE ATMs in the U.S. |
Yes | No | No | No | Yes | Yes | No |
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Fee-free overdraft protection transfer service |
Yes | Yes | No | Yes | No | Yes | Yes |
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Get paid up to 2 days early with Direct Deposit |
Yes | No | No | Yes | Yes | Yes | Yes |
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Send and receive money with Zelle® |
Yes | Yes | Yes | Yes | No | Yes | Yes |
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Free help removing your personal info from select people-search websites. Activate by mobile app |
Yes | No | No | No | No | No | No |
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Freeze debit card |
Yes | Yes | Yes | Yes | Yes | Yes | Yes |
No Fees
|
Discover Cashback Debit |
Remove Bank
Chase Total Checking |
Remove Bank
Bank of America Advantage Plus |
Remove Bank
Wells Fargo Everyday Checking |
Remove Bank
Chime Chime Banking |
Remove Bank
Capital One 360 Checking |
Remove Bank
Fifth Third Momentum Checking |
|
|---|---|---|---|---|---|---|---|
|
No monthly fee (no balance or activity requirements) |
Yes | No | No | No | Yes | Yes | Yes |
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No fee for insufficient funds |
Yes | No | Yes | No | Yes | Yes | No |
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No-fee official bank check |
Yes | No | No | No | No | No | $10 |
|
No-fee for expedited delivery of your replacement debit card |
Yes | No | No | Yes | No | Yes | No |
|
No-fee check reorder |
Yes | No | No | No | No | No | No |
Checking account FAQ
View All FAQHow do I earn Debit Card Cashback Bonus with my Discover Cashback Debit Account?
You may earn 1% cash back on up to $3,000 in debit card purchases each month*. That's up to $360 each year!
*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.
How can I make deposits to my Discover Cashback Debit Account?
You can deposit funds to your Cashback Debit Account in the following ways:
- Online transfer from an external bank account to your Cashback Debit Account
- Through Direct Deposit
- Deposit a check payable to you with Discover's Mobile Check Deposit Service using your mobile device.
- Mail a check that is made out to you with your account number on the memo line to:
Discover
PO Box 30417
Salt Lake City, UT 84130
What is Early Pay?
Early Pay is a free service from Discover that gives you access to funds from qualifying Automated Clearing House (ACH) direct deposits up to two days early and Tax Refunds ACH deposits from IRS up to five days early. Keep in mind that early access depends on when the payment initiator (or “Payor”), typically a business or government entity, sends us information that your deposit is on the way.
Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early (and up to 5 days early for your federal tax refund). See our Deposit Account Agreement for more information.
Does my Discover Cashback Debit account provide the option to enroll in overdraft protection?
Yes, your Cashback Debit account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.
Apply for a free checking account online in minutes
Apply for a Discover Cashback Debit account without impacting your credit score.
Ready to get started? Apply for a Discover Cashback Debit account without impacting your credit score.
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