No-Fee Overdraft Services

Overdraft Protection provides a link between your Discover accounts (checking, money market, and/or savings accounts) that transfers funds to help avoid the incovenience of returned items and insufficient funds. When you enroll your account in Discover's no fee Overdraft Protection, you will designate one account (funding account) to cover eligible transactions in another account (protected account) that would otherwise be returned unpaid.

Overdraft Protection covers:

• ACH transfers initiated at another bank
• Checks you write
• Online bill payments

It does not cover transactions such as:

• ACH transfers initiated at Discover
• ATM transactions
• Debit card transactions
• Payments made with Zelle®
• Wire transfers

See the Overdraft Protection Service Agreement for complete details.

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

For ACH transfers initiated at another bank, checks, and online bill payments, we will notify you when your account does not have enough money to cover a transaction we received for payment. If money is not added to your account within a specific time, we will return the transaction unpaid.

For all other transaction types, like debit card purchases, we will automatically decline the transaction if your account doesn't have enough money. 

Discover does not charge fees for returned items or insufficient funds. 

You can also sign up to receive alerts to notify you when your account is running low on funds to help you better manage your money.