discover open account

Open an Account To sign up for new residential water service, please call​ 561-740-4600 and select option 5. There's no need for an application! Please have. The Discover Online Savings Account isn't the highest-yielding account. But it offers a very competitive APY and it has no minimum opening deposit and no. Cyber Week phone deals are here! Shop deals on unlimited data plans, Internet service, and DIRECTV STREAM. Get 24/7 support & manage your account online.

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Discover Bank Online Banking - Open Account

Discover open account -

Discover Journal Series

RG01-Discover44217-Education © SpringerDiscover Education

Discover Education is an open access community-focused journal publishing research results from a broad range of education fields with the potential to impact social and academic development. The journal covers a broad range of areas related to education in schools, universities, vocational institutions, early childhood settings and the community. It aims to support the United Nations Sustainable Development Goal of ensuring inclusive and equitable quality education and promoting lifelong learning opportunities for all.

Aims and scope   Submission guidelines

Discover Bank Online Savings Account Review

Discover Bank App

The online savings account from Discover Bank, Member FDIC offers competitive savings rates that will help your money grow faster.

Additionally, there are no monthly fees to worry about.

Find out what makes Discover Bank’s online savings account one of the best places to keep your extra cash.

In this Discover Bank Online Savings Account review, we'll compare rates, fees, and services to other national and online banks.

High Savings Rates to Reach Money Goals Faster

Savings accounts are designed to be places to store extra money that you cannot afford to lose.

Even if you never touch the money in your account, you still may end up losing out to inflation. Inflation reduces the value of money over time. To combat inflation, savings accounts offer interest. 

Most large banks offer interest rates close 0.01% APY on savings accounts.

Online banks cost less to run because they don’t need to pay for costly physical locations. That allows online banks to compete with traditional banks by offering higher interest rates.

Discover Bank’s online savings account offers an interest rate that is significantly higher than what you’ll get at large national banks.

Interest Rates Make a Big Difference Over Time

If you’re curious as to the power that an account’s interest rate has over time, consider this example.

You’re saving to put your child through college. You have 15 years until you have to pay the first bill and have $10,000 to start the account with. You’re planning to add $100 each month until your child enters college.

Over the course of the 15 years, you add a total of $18,000 to the savings account. All told, you’ll have contributed $28,000 to the account, any amount over that will have come from interest.

If you put your money in a savings account offering 0.01%APY, you’ll have $28,028.44. In 15 years, you’ll have earned just $28.44 in interest, not even $2 per year.

What makes interest such a powerful force over long time periods is the fact that it compounds. That means that you earn interest on your interest. As you leave your savings to compound, the amount of money you’ll earn from interest will accelerate.

Minimum Balance and Monthly Fees

Because savings accounts are supposed to be safe places to store your money, the last thing you want is to get hit with fees.

Despite this, many banks have instituted a wide variety of fees: maintenance fees, below minimum balance fees, ATM fees, and so on.

Banks have added these fees to accounts for two reasons. The first is that fees help the bank increase revenue.

The second is that the banks can offer to waive the fees if you meet certain requirements. That allows them to encourage customers to behave certain ways.

Even if you’re good at jumping through the hoops to avoid fees, one mistake can result in a large fee, wiping out the interest you’ve earned.

One of the big draws of Discover Bank’s online savings account is that there are no monthly fees and no minimum balance.

You can open an account with whatever amount of money you’d like. Once the account is open, you’ll never be charged a fee just for keeping the account open, no matter what your balance is.

The account is a truly safe place to keep your money since you can be confident that Discover won’t be taking your savings with fees.

Discover Bank Savings Account Fees

Type Fee
Monthly Maintenance Fee$0
Official Bank Check$0
Deposited Item Returned$0
Excessive Withdrawal Fees (In excess of 6 qualifying transactions)$0
Stop Payment Fee$0
Outgoing Wire Transfer$30
Incoming Wire Transfer$0
Insufficient Funds Fee$0

Other Fees

Discover Bank aims to keep the fees it charges to its customers to a minimum.

In fact:

This savings account doesn't have any fees.

That means no fees for incoming wire transfers or official bank checks. You can even get official bank checks expedited for free.

Savings accounts are supposed to be a safe place to store your money. They aren’t intended to be used like a checking account, with regular withdrawals or transfers.

For that reason, federal law mandates that customers be charged a fee for every transfer or withdrawal after the sixth per calendar month.

Now:

Discover won't charge for excessive withdrawals, but if they occur frequently, the bank may close the account.

Easy Access to Your Account

One of the most common concerns that people have about online bank accounts is how they can access their account.

Discover Bank offers a mobile application and website that has been designed to make it easy to access and manage your money.

Managing your money is easy. You can use the website or app to set up recurring transfers, move money between accounts, view your balance, and check your account activity.

Discover Bank’s online savings account accepts deposits in a variety of ways. The easiest is to deposit a check using the mobile app on your phone.

You can also transfer money to the account from another account at Discover or a different bank. Discover Bank also accepts direct deposits. Finally, you can physically mail a check to Discover Bank to make a deposit.

Withdrawing money is more difficult. You will need to transfer the funds to another account before you can withdraw it from an ATM.

Wire transfers will incur a fee. You can also request an official bank check through the mail, which you can then cash.

Award-Winning Customer Service

Discover’s credit card division became well known for its excellent customer service and Discover Bank is no different. You can call Discover any time for help or technical support with your account.

If you’d rather not make a phone call, Discover offers a secure messaging system and live chats with customer support representatives. You can also send physical mail to Discover Bank if you’d rather seek help that way.

Access to a Variety of Banking Services

Discover Bank doesn’t just offer an online savings account. Discover has followed the trend of many online banks that have expanded in recent years by offering a variety of banking services.

Most people are already familiar with Discover’s credit card offerings. You can also open a checking account, IRA or purchase certificates of deposit (CDs).

If you need a loan Discover Bank offers personal, student, or home equity loans.

If you’re looking to keep your financial life simple, having one bank serve all your financial needs is a big help.

Discover is a great choice if you’re looking to keep things centralized.

Compared to Other Online Savings Accounts

Discover is in tough competition with several other online banks that offer a very similar product:

Ally Online Savings Account

Ally Bank's online savings account also offers an impressive interest rate without monthly fees. It also offers a free online interest checking account and high CD rates.

Synchrony Bank High Yield Savings

Synchrony Bank offers a high savings rate without any monthly fees. The account also comes with optional ATM card for easy cash withdrawals.

Final Verdict: Solid Savings Account

All told, the Discover Bank Savings Account offers a fair interest rate and no fees. It’s a strong choice for someone who wants to do all of their banking with one company.

The biggest draw of Discover Bank’s online savings account will be the opportunity to centralize your finances.

Current Discover customers who are happy with the service they’ve received in the past can benefit from opening a savings account.

People with no existing relationship with Discover may be better served with another online bank with slightly higher interest rates.

More:The Best Savings Accounts of the Year

Continue Reading

Источник: https://www.mybanktracker.com

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Discover Card

Credit card

Discover is a credit card brand issued primarily in the United States. It was introduced by Sears in 1985. When launched, Discover did not charge an annual fee and offered a higher-than-normal credit limit, features that were disruptive to the existing credit card industry.[citation needed] A subsequent innovation was "Cashback Bonus" on purchases.[1]

Most cards with the Discover brand are issued by Discover Bank, formerly the Greenwood Trust Company. Discover transactions are processed through the Discover Network payment network. In 2005, Discover Financial Services acquired Pulse, an electronic funds transfer network, allowing it to market and issue debit and ATM cards. In February 2006, Discover Financial Services announced that it would begin offering Discover debit cards to other financial institutions, made possible by the acquisition of Pulse.[2]

Discover is the third largest credit card brand in the U.S. based on the number of cards in circulation, behind Visa and MasterCard, with 57 million cardholders.[3]

History[edit]

At the time Discover was introduced, Sears was the largest retailer in the United States. It had purchased the Dean Witter Reynolds brokerage organization and Coldwell, Banker & Company (real estate) in 1981[4] as an attempt to add financial services to its portfolio of customer services. Ray Kennedy, Sr, father of country singer Ray Kennedy and the credit manager for Sears, conceived the card.[5] After a trial period in 1985, starting with a $26.77 purchase at an Atlanta Sears on September 17,[6] the actual launch was pushed through by Philip J. Purcell and Mitchell M. Merin, the company's senior vice president for corporate administration and manager of financial analysis, respectively.[7] Together with the Discover Card (and its issuing bank, the Greenwood Trust Company, owned by Sears), this was named the Sears Financial Network. Early Discover Cards bore a small embossed symbol representing the Sears Tower, then the company's headquarters.

Discover was part of Dean Witter, and then Morgan Stanley, until 2007, when Discover Financial Services became an independent company.[8]Novus was once the major processing center that partnered with the company. The Novus logo was retired, replaced by the Discover Network logo.

Discover and Novus retired acceptance mark (still seen in many places)

Unlike other attempts at creating a credit card to rival MasterCard and Visa, such as Citibank's Choice card, Discover gained a large national consumer base. It carried no annual fee, which was uncommon at the time, and offered a typically higher credit limit than similar cards. Cardholders could also earn a "Cashback Bonus", in which a percentage of the amount spent would be refunded to the account (from 1% to 5%), depending on how much the card was used.[9] Discover was also noteworthy for being the only credit card accepted by the U.S. Customs Service to pay customs duty, effective February 19, 1987.[10] Since it did not charge a percentage fee to retailers, unlike Visa, MasterCard, and American Express, Discover was also the only credit card accepted at Sam's Club; the retailer has since started to accept MasterCard and American Express (see below). A 1989 study found that Discover had strong consumer adoption in the U.S.; the number of households with Discover cards increased by 2.1 million, or 14 percent, in 1989.[11] In this same year, Discover also signed a restaurant in Delaware as its 1 millionth merchant in its payment network.[12]

The plan to create a one-stop financial-services center in Sears stores was not as successful as Sears had hoped, and its promotion of Discover was thought both to hurt Sears turnover and to restrict the card's potential. Other retailers resisted it, as they were developing their own credit products and they believed they would be helping their competitor. Sears began to face difficulties in the late 1980s in light of these developments, and with strong competition both from Walmart and from so-called category killers such as Toys "R" Us. Discover's introduction was costly; Sears's Discover credit card operations accounted for a loss of $22 million in the fourth quarter of 1986, and a loss of $25.8 million in the first quarter of 1987.[13] Sears sold its financial businesses in 1993 and began to accept MasterCard and Visa in addition to its store credit card and Discover. Discover became part of the Dean Witter financial services firm, and the new company was called Dean Witter, Discover & Co. In 1997, this company merged with Morgan Stanley to become Morgan Stanley Dean Witter, Discover & Co. In 1999, this company rebranded itself as Discover Financial Services, Inc.[14]

Discover Bank[edit]

The Greenwood Trust Company was founded in 1911 and is based in Greenwood, Delaware. It was acquired by Discover Financial Services in 1985 and renamed Discover Bank in 2000.[15] The first and original location of Greenwood Trust Co. on East Market Street is now the town hall and police station.[16]

Global alliance[edit]

Further information: Card reciprocal agreements

Starting around 2005, to increase acceptance around the world, Discover has formed several agreements with other payment networks internationally. This allows Discover cardholders to perform transactions while traveling abroad. Vice versa, cardholders of other countries may utilize their cards at U.S. merchants that accept Discover.[17] Some major examples include:

In 2015, due to the growth of UnionPay, Discover became the world's most widely accepted card.[19] Currently, Discover is accepted in 185 countries.[20]

Business developments[edit]

In October 2004, the Supreme Court upheld a ruling in Discover's favor that challenged exclusionary policies of Visa and MasterCard, stating that Mastercard and Visa were violating antitrust regulations. Before this ruling, Visa and MasterCard would not allow banks to issue a Discover or American Express card if they issued a Visa or MasterCard. Within days of the court ruling, Discover filed a lawsuit in federal court seeking damages from Visa and MasterCard.

Shortly after the 2004 Supreme Court ruling, Discover struck its first deal to have its cards issued by another financial institution, GE Consumer Finance, which began to issue credit cards for retailer Walmart and its wholesale warehouse stores, Sam's Club.[21] Transactions were processed on the Discover Network. Sam's Club exclusively accepted Discover for many years; since November 2006, it has also accepted MasterCard for purchases. In April 2014, Walmart announced that they were ending their relationship with Discover and would begin converting all Discover-branded cards to Mastercard beginning in June 2014.[22]

HSBC has issued Discover-branded credit cards processed through the Discover Network since its acquisition of card issuer Metris in late 2005. Metris had originally signed an agreement with Discover in September 2005, three months prior to the HSBC acquisition.

In September 2012, Discover was ordered to pay over $200 million in fines and customer reimbursements to settle accusations by U.S. federal regulators that it had engaged in deceptive telemarketing tactics.[23]

Advertising[edit]

From 1998 to 2007, Discover Card owned a billboard at One Times Square, just above the flagpole where the Times Square Ball is placed, until Toshiba bought the space. As a result, its logo could be seen on national television during New Year's Eve, while the ball dropped. Discover also sponsored the ball drop itself.[24][25]

From its opening in 2001 to 2012, Sugarloaf Mills Mall in Lawrenceville, Georgia, was named Discover Mills in a naming rights partnership with Discover Card. The slogan for the mall was "Where Discover Card is the Smart Choice." It was the first shopping mall to have granted naming rights to interested companies.[26][27]

Since 2008, Discover has been the official credit-card partner of the National Hockey League. As part of this deal, Discover offers team- and league-branded credit cards as well as a 10% discount on purchases made from the NHL's online store using Discover.

See also[edit]

Industry5.svg Companies portal

References[edit]

  1. ^Vasquez, Jose. “History of Discover Card”. January 8, 2009. Retrieved 2016-11-28.
  2. ^"Merger of Discover Financial Services and Pulse EFT Association closes following Pulse member approval" (Press release). Discover Financial Services. January 12, 2005. Archived from the original on December 8, 2012. Retrieved October 22, 2007.
  3. ^Peter, Bianca. ["Market share by credit card network"]. September 2, 2019. Retrieved 2020-09-18.
  4. ^"A Brief Chronology of Sears History". Sears Brands, LLC. Retrieved August 12, 2009.
  5. ^Whitburn, Joel (1996). The Billboard Book of Top 40 Country Hits, p.173. ISBN 0-8230-7632-6.
  6. ^Kagan, Julia (June 27, 2018). "Discover Card". Investopedia. Retrieved August 1, 2020.
  7. ^Blake, Rich (November 1, 2002). "Blue chipped". Institutional Investor. Retrieved August 9, 2018.
  8. ^“Discover flying solo”. The Green Sheet, July 9, 2007. Retrieved 2016-12-04.
  9. ^Simon, Jeremy M. Credit card reward programs: a short history. CreditCards.com, November 14, 2006. Retrieved 2016-12-04.
  10. ^Customs Service Rules on Credit Cards. Journal of Commerce. Retrieved December 5, 2016.
  11. ^Aguilar, Linda. Banks and nonbanks at the end of the ‘80s. Federal Reserve Bank of Chicago, March 1, 1990.
  12. ^Harkness, Brendan. [1]. CreditCardInsider.com, April 7, 2020.
  13. ^Barmash, Isadore. "Sears Net Rises 47.4% in Quarter", The New York Times, April 22, 1987.
  14. ^Kagan, Julia. [2]. Investopedia.com, June 27, 2018.
  15. ^"Greenwood Trust Company Renamed Discover Bank" (Press release). Discover Financial Services. August 1, 2000. Archived from the original on January 21, 2014.
  16. ^"Discover Bank".
  17. ^"Reach and Acceptance | Discover Global Network".
  18. ^"Card Acceptance – Troy – Turkey's Payment Method".
  19. ^"Discover tops Mastercard, Visa as planet's most-accepted payment card". September 28, 2016. Archived from the original on November 17, 2016.
  20. ^"International Credit Card Acceptance | Discover".
  21. ^Kingson, Jennifer A. "Credit Card Issuers Adjust to Open Field", The New York Times, March 26, 2005.
  22. ^Lee Enterprises. "Wal-Mart taps MasterCard for store-branded credit card". stltoday.com.
  23. ^"Federal Deposit Insurance Corporation and Consumer Financial Protection Bureau Order Discover to Pay $200 Million Consumer Refund for Deceptive Marketing". Consumer Financial Protection Bureau.
  24. ^Metro Business; Discover Is Sponsor For Year 2000 Event
  25. ^Back in Times Square, Toshiba Stands Tall
  26. ^"The Mills Corporation Announces the Grand Opening of Discover Mills". PR Newswire. Retrieved March 9, 2016.
  27. ^Sawicki, Beth (September 21, 2012). "Discover Mills renamed Sugarloaf Mills". Gannett. 11 Alive News. Archived from the original on January 16, 2013. Retrieved March 9, 2016.

External links[edit]

Media related to Discover Card at Wikimedia Commons

Источник: https://en.wikipedia.org/wiki/Discover_Card
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RG01-Discover44187-Food © SpringerDiscover Discover open account Food is a transdisciplinary open access journal publishing research from across all areas of food science and technology, the global impact of the food sector, and nutrition. The journal particularly welcomes papers that highlight technological innovation and disruptions across the sector as well as food waste recovery and research with implications for achieving the United Nations Sustainable Development Goals of zero hunger, responsible consumption and climate action. 

Aims and scope   Submission guidelines

Discover Journal Series

RG01-Discover44217-Education © SpringerDiscover Education

Discover Education is an open access community-focused journal publishing research results from a broad range of education fields with the potential to impact social and academic development. The journal covers a broad range of areas related to education in schools, universities, vocational institutions, early childhood settings and the community. It aims to support the Discover open account Nations Sustainable Development Goal of ensuring inclusive and equitable quality education and promoting lifelong learning opportunities for all.

Aims and scope 

Discover Bank Online Savings Account Review

Discover Bank App

The online savings account from Discover Bank, Member FDIC offers competitive savings rates that will help your money grow faster.

Additionally, there are no monthly fees to worry about.

Find out what makes Discover Bank’s online savings account one of the best places to keep your extra cash.

In this Discover Bank Online Savings Account review, we'll compare rates, fees, and services to other national and online banks.

High Savings Rates to Reach Money Goals Faster

Savings accounts are designed to be places to store extra money that you cannot afford to lose.

Even if you never touch the money in your account, you still may end up losing out to inflation. Inflation reduces the value of money over time. To combat inflation, savings accounts offer interest. 

Most large banks offer interest rates close 0.01% APY on savings accounts.

Online banks cost less to run nordstrom rack credit card pay bill they don’t need to pay for costly physical locations. That allows online banks to compete with traditional banks by offering higher interest rates.

Discover Bank’s online savings account offers an interest rate that is significantly higher than what you’ll get at large national banks.

Interest Rates Make a Big Difference Over Time

If you’re curious as to the power that an account’s interest rate has over time, consider this example.

You’re saving to put your child through college. You have 15 years until you have to pay the first bill and have $10,000 to start the account with. You’re planning to add $100 each month until your child enters college.

Over the course of the 15 years, you add a total of $18,000 to the savings account. All told, you’ll have contributed $28,000 to the account, any amount over that will have come from interest.

If you put your money in a savings account offering 0.01%APY, you’ll have $28,028.44. In 15 years, you’ll have earned just $28.44 in interest, not even $2 per year.

What makes interest such a powerful force over long time periods is the fact that it compounds. That means that you earn interest on your interest. As you leave your savings to compound, the amount of money you’ll earn from interest will accelerate.

Minimum Balance and Monthly Fees

Because savings accounts are supposed to be safe places to store your money, the last thing you want is to get hit with fees.

Despite this, many banks have instituted a wide variety of fees: maintenance fees, below minimum balance fees, ATM fees, and so on.

Banks have added these fees to accounts for two reasons. The first is that fees help the bank increase revenue.

The second is that the banks can offer to waive the fees if you meet certain requirements. That allows them to encourage customers to behave certain ways.

Even if you’re good at jumping through the hoops to avoid fees, one mistake can result in a large fee, wiping out the interest you’ve earned.

One of discover open account big draws of Discover Bank’s online savings account is that there are no monthly fees and no minimum balance.

You can open an account with whatever amount of money you’d like. Discover open account the account is open, you’ll never be charged a fee just for keeping the account open, no matter what your balance is.

The account is a truly safe place to keep your money since you can be confident that Discover won’t be taking your savings with fees.

Discover Bank Savings Account Fees

Type Fee
Monthly Maintenance Fee$0
Official Bank Check$0
Deposited Item Returned$0
Excessive Withdrawal Fees (In excess of 6 qualifying transactions)$0
Stop Payment Fee$0
Outgoing Wire Transfer$30
Incoming Wire Transfer$0
Insufficient Funds Fee$0

Other Fees

Discover Bank indigo credit card customer service email to keep the fees it charges to its customers to a minimum.

In fact:

This savings account doesn't have any fees.

That means no fees for incoming wire transfers or official bank checks. You can even get official bank checks expedited for free.

Savings accounts are supposed to be a safe place to store your money. They aren’t intended to be used like a checking account, with regular withdrawals or transfers.

For that reason, federal law mandates that customers be charged a fee for every transfer or withdrawal after the sixth per calendar month.

Now:

Discover won't charge for excessive withdrawals, but if they occur frequently, the bank may close the account.

Easy Access to Your Account

One of the most common concerns that people have about online bank accounts is how they can access their account.

Discover Bank offers a mobile application and website that has been designed to make it easy to access and manage your money.

Managing your money is easy. You can use the website or app to set up recurring transfers, move money between accounts, view your balance, and check your account activity.

Discover Bank’s online savings account accepts deposits in a variety of ways. The easiest is to deposit a check using the mobile app on your phone.

You can also transfer money to the account from another account at Discover or a different bank. Discover Bank also accepts direct deposits. Finally, you can physically mail a check to Discover Bank to make a deposit.

Withdrawing money discover open account more difficult. You will need to transfer the funds to another account before you can withdraw it from an ATM.

Wire transfers will incur a fee. You can also request an official bank jim grizzle tire fort smith arkansas through credit union one contact number mail, which you can then cash.

Award-Winning Customer Service

Discover’s credit card division became well known for its excellent customer service and Discover Bank is no different. You can call Discover any time for help or technical support with your account.

If you’d rather not make a phone call, Discover offers a secure messaging system and live chats with customer support representatives. You can also send physical mail to Discover Bank if you’d rather seek help that way.

Access to a Variety of Banking Services

Discover Bank doesn’t just offer an online savings account. Discover has followed the trend of many online banks that have expanded in recent years by offering a variety of banking services.

Most people are already familiar with Discover’s credit card offerings. You can also open a checking account, IRA or purchase certificates of deposit (CDs).

If you need a loan Discover Bank offers personal, student, or home equity loans.

If you’re looking to keep your financial life simple, having one bank serve all your financial needs is a big help.

Discover is a great choice if you’re looking to keep things centralized.

Compared to Other Online Savings Accounts

Discover is in tough competition with several other online banks that offer a very similar product:

Ally Online Savings Account

Ally Bank's online savings account also offers an impressive interest rate without monthly fees. It also offers a free online interest checking account and high CD rates.

Synchrony Bank High Yield Savings

Synchrony Bank offers a high savings rate without any monthly fees. The account also comes with optional ATM card for easy cash withdrawals.

Final Verdict: Solid Savings Account

All told, the Discover Bank Savings Account offers a fair interest rate and no fees. It’s a strong choice for someone who wants to do all of their banking with one company.

The biggest draw of Discover Bank’s online savings account will be the opportunity to centralize your finances.

Current Discover customers who are happy with the service they’ve received in the past can benefit from opening a savings account.

People with no existing relationship with Discover may be better served with another online bank with slightly higher interest rates.

More:The Best Savings Accounts of the Year

Continue Reading

Источник: https://www.mybanktracker.com

We’re here for you. And yours.

Wherever you are in life,
we’ve got an online bank account designed to make it more rewarding.

All the stuff you want.

Whichever online bank account you choose, we keep the terms simple, the rewards high and the service stellar.

1%cash back on up to $3,000 in debit card purchases each month

ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards.  In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards.  Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.

Checking Account
% APY

Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.

watch your money grow Online Savings Account
X.XX% APY

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

12 mo lock in long-term earnings Certificate of Deposit

None of the sneaky stuff.

We're an online bank that says goodbye to gimmicks, gotchas and fees.

No. Fees. Period. 

Outgoing wire transfers are subject to a service charge. You may be charged a fee by a non-Discover ATM if it is not part of the 60,000+ ATMs in our no-fee network.

  • No monthly fees on any account.
  • No insufficient funds or overdraft fees.

    For Discover Bank Cashback Debit, Online Savings and Money Market Accounts.

  • No minimum balance.

    For Discover Bank Cashback Debit and Online Savings Accounts.

Get help choosing an account

Discover® Cashback Debit, NerdWallet’s 2021 winner for Best Checking Account with No Monthly Fee

NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.

“Discover’s high-yield savings account is among the best in its online class.” 

“Discover Bank is an online bank discover open account 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 Bank is on our list of the best high yield savings accounts and our list of the best money market accounts.” discover open account

"Discover Bank 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."

Easy to find.

See which of our over 60,000 no-fee ATMs are at the stores you already frequent.

Some ATMs have limited hours and/or restricted access. You may be charged a fee by the ATM owner if you use an ATM that is not part of our no-fee network. If you encounter any issues using the ATMs displayed on this site, please contact us at 1-800-347-7000.

Make sure your search is spelled correctly. Try adding a city, state, or zip code.

ATM Finder Close

ATM FinderClose
Zelle Logo
With Zelle® your money’s making moves.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used discover open account under license.

Online best bank for small business near me 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.

    Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address.

  • Money moves fast. Just tell us who to pay and how much – chase bank new iberia la money’s on its way in minutes.

    Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle

    Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle enrollment.  Message and data charges from your carrier may apply. Transaction limitations may apply. ​

    To use Zelle with Discover, an account center registered Discover checking, savings, or money market account is required. Discover and Zelle do not offer a protection program for any authorized payments made with Zelle.​

  • 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

Easy to love.

Online banking, now as simple as everything else you do on your phone.

EASY ACCESSMOBILE CHECK DEPOSITSIMPLE TO USEQUICK VIEW

Get access to cash on the go. Just tap to find one of our no-fee ATMs near you.

Easily deposit a check into your account by snapping a photo of it with your smartphone or tablet.

For more information regarding the Discover Bank Mobile Check Deposit Service, click here.

Check on your account easily anytime. You can even skip the passcode and log in with touch or face ID.

Face ID is currently available to iOS users.

Enable Quick View to check your account balances without logging in each time.

★★★★★

★★★★★

We score out of 5 stars!

Star rating is representative of the Apple® App Store rating for the Discover mobile app best high yield savings rates is updated daily.

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Opening an online bank account couldn’t be simpler.

  1. Just give us a few basics (like address and Social Security number), and we’ll get the ball rolling for you.
  2. Make a deposit now or come back and do it later. Whatever makes it easier for you to get going on your goals.
  3. Check your email for a confirmation, and you’re on your way to the future you’ve been dreaming of.

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

  • 5 Online Banking Myths Debunked

    Put your online banking knowledge to the test and see if you've fallen for one of these common myths.

    “If you can manage your traditional bank’s account online via its website or app, you can manage an online-only account. It’s the same basic experience.”

    – Miguel A. Suro, founder of financial blog The Rich Miser

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  • What is Zero-Sum Budgeting and Can It Work for You?

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    Choosing a budgeting system is a lot like choosing the right approach to rehabbing or remodeling your home. You might spend months looking for the right contractor or figuring out how to do it yourself. The zero-sum budget, also known as the zero-based budget, can provide a holistic solution to revamping your finances.

    Read full article

  • What Happens to Mortgage Rates When the Fed Cuts Rates?

    Your guide to understanding how a Fed rate cut could impact your mortgage as a homeowner or prospective buyer.*


    *This should not be considered tax or investment advice. Please consult a financial planner or tax advisor if you have questions.

    “If the Fed drops its rate during the adjustment period, you could see your interest rate go down and, in turn, see lower monthly payments.”  

    – Emily Stroud, financial advisor and founder of Stroud Financial Management

    Read full article

Источник: https://www.discover.com/online-banking/

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4 Replies to “Discover open account”

  1. @shriya mazumdar But I'm not sure now, many are saying mbbs/bds are not eligible, even some young IFS officers are saying these...but I've seen many of them. Maybe eligibility criteria has been changed now.

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