It's unusual to find a debit card which gives cash back rewards, but Discover allows you to earn 1% cash back on up to $3,000 in purchases per month. Discover also does not charge monthly service fees. This can be a great low-cost checking account if you enroll in overdraft protection, which ties your checking to another Discover account. Discover gives you access to 60,000 ATMs, however the bank does not reimburse any out-of-network ATM fees charged by ATM providers.