Online Bank from Discover | Open an Online Bank Account Today (2024)

Our Products

• Checking Account

  Checking Account

  Enjoy cash back for spending and easy access to cash

  Open an Account Online Checking Account

  • 1% cash back on up to $3,000 in monthly debit card purchases

    SeeDeposit Account Agreementfor details on transaction eligibility, limitations and terms.

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  • Free checking: No monthly fees and no minimum balance
  • Early Pay for access to your paycheck up to two days early with direct deposit

    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. See our Deposit Account Agreement for more information.

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• Online Savings Account

  Online Savings Account

  Save simply with higher interest and clear terms

  Open an Account OaO

  • Interest over 5xthe 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 a balance of $500 as reported by Curinos as of XX/XX/XXXX.National average is based on information regarding the top 50 banks (by deposit size) and may not include information from variations in regional pricing at such banks or information from products that may not be widely available to their customers. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed. APYs are subject to change at any time.

  • No minimumbalance requirement
  • No monthly feesor hidden penalties

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• Money Market Account

  Money Market Account

  Earn higher interest with easy access to cash

  Open an Account Online Money Market Account

  • 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, on the entire balance in your Money Market Account, 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 accessvia ATM, debit or check

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• CD Account

  Certificate of Deposit

  Score guaranteed returns with flexible terms

  Open an Account Online CD 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.

    for a 12-month term
  • Flexible termsfrom 3 months to 10 years
  • Startsavingwith as little as $2,500

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• Retirement Accounts

  Retirement Accounts

  Secure your tomorrow with smart planning today
  

  • No account fees

    We don’t charge any incoming or outgoing wire service charge fees for IRA products.

  • Choose fromRoth or Traditional IRAs
  • Step-by-step helpavailable 24/7 by phone

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• Find the right account for you