Discover Products Modern Money Blog Search LOG IN opens a modal dialog Online Banking Home Products Help and Resources Open an Account Checking Account Get cash back on debit card purchases and no monthly fees. Open an Account Cash back isn’t just for credit cards. Cashback Debit is the online checking account with a debit card that lets you earn cash back for your spending. 1% cash back on up to $3,000 in debit card purchases each month. Opens modal dialog Say goodbye to checking account fees. No. Fees. Period. That means you won't be charged an account fee on our Cashback Debit account. Opens modal dialog $0 Monthly maintenance Withdrawals at over 60,000 ATMs nationwide Replacement debit card Standard checks Official bank check Online bill pay Expedited delivery for debit card replacement Expedited delivery for official bank checks Deposited item returned Stop payment order Insufficient funds Account closure Get Started The difference is surprising. Opens modal dialog See how our Cashback Debit account compares with other banks across the board. COLLAPSE ALL Competitive Features Opens modal dialog DISCOVER Cashback Debit Remove Bank CHASE Total Checking Remove Bank BANK OF AMERICA Advantage SafeBalance Remove Bank WELLS FARGO Everyday Checking 1% cash back on up to $3,000 in debit card purchases each month Opens modal dialog Yes No No No Access to over 60,000 NO-FEE ATMs In the U.S. Yes No No No Send and receive money with Zelle® Yes Yes Yes Yes Freeze debit card Opens modal dialog Yes Yes Yes Yes ADD BANK Opens a dialog box No Hidden Fees Opens modal dialog DISCOVER Cashback Debit Remove Bank CHASE Total Checking Remove Bank BANK OF AMERICA Advantage SafeBalance Remove Bank WELLS FARGO Everyday Checking No monthly fee (no balance or activity requirements) Yes No No No No fee for insufficient funds Opens modal dialog Yes No Yes No No-fee official bank check Yes No No No No-fee for expedited delivery of your replacement debit card Yes No No Yes No-fee outbound ACH transfers (to an external bank) Yes Yes Yes Yes No-fee check reorder Yes No N/A No No-fee online bill pay Yes Yes Yes Yes No-fee replacement debit card Yes Yes No Yes ADD BANK Opens a dialog box See how much cash back you can earn. How much do you use your debit card? Our rewards checking account will make you want to use it even more. $ Enter monthly debit spending in dollar $12.50 MONTHLY CASH BACK $150 YEARLY CASH BACK Voila! Turn that $150 cash back into savings. SEE HOW ATMs where you need them. See which of our over 60,000 no-fee ATMs are at the stores you already frequent. Opens modal dialog map Search With Zelle® your money’s making moves. Opens modal dialog 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. Opens modal dialog Money moves fast. Just tell us who to pay and how much – the money’s on its way in minutes. Opens modal dialog 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. See Zelle FAQs Yes, you can take it with you. Know where you stand. Do what you do. We’re right there with you. FREEZE DEBIT CARD EASY ACCESS MOBILE CHECK DEPOSIT SIMPLE TO USE Temporarily freeze your debit card from the app if you ever misplace it. ★★★★★ ★★★★★ We score 4.8 out of 5 stars! Opens modal dialog App Store Google Play Opening an online checking 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. Get Started Need help? We've got your back. Our friendly customer service is available 24/7. 1 (800) 347-7000 Click here to Call us at Modern Money Blog Learn how to bank smarter, budget better and make the most of your Cashback Debit account. Previous Next What You Need to Know to Pick a New Checking Account Does your checking account still match your lifestyle? Here's how to find out. “You might have opened a checking account in high school, college or when you got your first job, and you haven’t looked back. But banking has changed—and it’s likely that your needs have as well.” – Robert Farrington, founder of The College Investor Read full article Open your Discover checking account today. Just say the word, and we’ll get your online checking account up and running. Let's Do This Let's Do This Sitemap Terms of Use Security Center Privacy Contact Us AdChoices © 2021 Discover Bank, Member FDIC Activate to launch comment card