Checking Account

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.

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.

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
  

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.

Yes, your Cashback Debit account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.