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Online Savings Account

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Interest over 5x the National Savings Average
The Annual Percentage Yield (APY) for the Online Savings Account as of XX/XX/XXXX is more than five times the national average APY for interest-bearing savings accounts with balances over $500 as reported by Informa Research Services, Inc. as of XX/XX/XXXX. Interest rates and APYs are subject to change at any time. Although the information provided by Informa Research Services has been obtained from the various institutions, accuracy cannot be guaranteed.
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Money Market Account

Earn higher interest with easy access to cash.

X.XX% APY
Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX for Money Market Account balances under $100,000 and subject to change daily without notice before or after the account is opened. Applies to personal accounts only. Minimum opening deposit is $2,500.
for balances under $100,000
X.XX% APY
Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX for Money Market Account balances of $100,000 or more and subject to change daily without notice before or after the account is opened. Applies to personal accounts only. Minimum opening deposit is $2,500.
for balances $100,000 and over
Easy cash access
•Federal law limits certain types of withdrawals and transfers from savings and money market accounts to a combined total of 6 per calendar month per account.

•There are no limits on ATM withdrawals or official checks mailed to you. To get an account with an unlimited number of transactions, consider opening a Discover Cashback Debit account.

•If you go over these limitations on more than an occasional basis, your account may be closed. See Section 11 of the Deposit Account Agreement for more details.
via ATM, debit or check

Find the right account for you

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.

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

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

X.XX% APY 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.

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

Winner of NerdWallet's 2024 Best Savings Account and Best Checking Account Overall
©2017-2024 and TM, NerdWallet, Inc. All Rights Reserved.

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

“Discover Bank is an online bank providing 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.”

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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 电脑google用什么翻墙

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

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ATM Finder

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Easy to love.

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

EASY ACCESS
MOBILE CHECK DEPOSIT
SIMPLE TO USE
QUICK 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.

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

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

★★★★★

We score out of 5 stars!

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Opening an online bank 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.

Need help?
We've got your back.

Our friendly customer service is available 24/7.

1 (800) 347-7000

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Stay on top of the latest in online banking, from budgeting to saving and beyond.

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.

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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 monthlypayments.”

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

Read full article

4 Smart Things to Do When You Get an Inheritance

Coming into a windfall? Here's how to make the most of it.

“A large inheritance that pushes you out of your financial comfort zone can create anxiety about how to best manage the money.”

– Robert Pagliarini, president of Pacifica Wealth Advisor

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The Magical Third Paycheck: 5 Budgeting Hacks If You're Paid Biweekly

Paid biweekly? You get two shots a year to get ahead. Here’s how.

You get two magical months like this a year: when you suddenly have a third paycheck and—the best part is—your monthly bills stay the same. Yes, it’s appropriate to jump for joy—provided you have a plan for that extra income.

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