Im going to post here because the system does not appear to be letting me post anywhere else. I tried to start my own topic but it just rejects me.
I just logged onto my discovercard account and read about a "Cashback checking".
My first question was what is the rate, if any. So I called discoverbank customer service (an 800# it directed me to) and the rep has NEVER heard about the promo.
Said call back at 7am central.
But she is with discoverbank and has NEVER heard about it.
Even if there is no interest, It would make sense to open an account just for billpay, check & debit card cashback.
Didnt get to ask if there was a minimum transaction amount because at 10 cents each, I could see people abusing it for extra cashback.
More rewards just makes more sense. You’re already enjoying Cashback Bonus
with your Discover card–now you can earn even more.
It’s easy – with Discover Cashback CheckingSM you’ll earn:
- 10¢ debit card purchase
- 10¢ online bill pay
- 10¢ check written
- Cashback Checking is an exclusive online offer available to Discover cardmembers
- Cashback Bonus is added monthly to your Discover Cashback Bonus Balance
- Same great redemption options–gift cards, merchandise, cash and more
- Free cash withdrawals at over 23,000 ATMs nationwide
Find an ATM
- Free standard checks
- Deposit checks from a mobile device
- Pay bills anytime on the go
See how Cashback Checking compares to your bank.
DiscoverChaseCitibankBank of AmericaWells FargoCashback CheckingTotal CheckingCiti CheckingeBankingValue CheckingMonthly Fee (No Requirements)Free ATMs (In Network)ATM Fee (Out of Network) ATM Owner Fee May ApplyReplacement Debit CardExpedited Delivery for your Replacment Debit CardOnline Bill PayOfficial Bank CheckCheck ReorderPaper Copy of Check or Deposit ItemReturn Deposit (per item)Stop Payment (per request)Inbound / Outbound Money TransferIncoming WireOutgoing WireInsufficient Funds (NSF)Maximum NSF fees per day
|FREE ||$12 ||$20 ||$8.95 ||$7 / $9 |
|23,000+ ||18,500+ ||29,000+ ||13,000+ ||12,000+ |
|FREE ||$2 ||$2 ||$2 ||$2.50 |
|FREE ||FREE ||FREE ||$5 ||FREE |
|FREE ||$5 ||$15 ||$20 ||$20 |
|FREE ||FREE ||FREE ||FREE ||$3 per month |
|FREE ||$8 ||$10 ||Varies ||$10 |
|FREE ||$17.95 ||$25.95 - $29.95 ||$11.89 ||Varies |
|FREE ||FREE ||$5 ||$3 ||$2.00 / $3.50 |
|$15 ||$12 ||$10 ||$12 / $15 ||$12 |
|$15 ||$30 ||$30 ||$30 ||$31 |
|FREE ||FREE ||FREE ||FREE ||FREE |
|FREE ||$15 ||$10 ||$12 ||$15 |
|$30 ||$25 - $45 ||$25 - $40 ||$25 - $45 ||$25 - $45 |
|$30 ||$34 ||$34 ||$35 ||$35 |
|$1 ||3 ||4 ||4 ||4 |
Competitor Fees as of 9/12/12. Fees obtained from company account agreements, fee schedules, online chat and calls to customer service centers. Open Now See Checking Account Guide for more information
Bank on your terms. Cut loose from bank branches and manage your account your way.
Everyday banking has never been easier. Discover MobileCheck balances, transfer money, pay bills, and deposit checks right from a mobile device.Online Security GuaranteeProtection from fraudulent, unauthorized online charges. Plus, our online bill pay service guarantees payments are made by the “Deliver By” date or we pay the late fees.FDIC InsuredDeposits are FDIC insured up to the maximum allowed by law and are backed by the solid strength of Discover.24/7 Customer ServiceOnline or by phone, our U.S.-based banking specialists are available to help. It’s not a statement—it’s a promise. So many ways to make deposits. Mobile Check DepositsSnap a photo of your check and instantly make a deposit into your account using our Mobile app. See How
Direct DepositSet-up recurring electronic deposits for your paychecks and other regular monthly income.Fast & Free ACH Money TransfersTransfer money between bank accounts online or with our Mobile app.Postage Pre-Paid Deposit EnvelopesMail your check deposits to us in free postage-paid envelopes. Access Cash
wherever you go. Free ATM UseWe never charge you to use an ATM, and with over 23,000 surcharge-free MoneyPass ATMs nationwide, free cash withdrawals have never been easier.Free Debit CardUse your Discover debit card to make in-store purchases anywhere you see the Discover logo.Cash Back With PurchaseUse your debit card to get additional cash back when you make a purchase. Pay anyone, anytime. Mobile and Online Bill PayEnjoy the convenience of mobile and online bill pay, just add a payee and set up a payment in a few simple steps.Free ChecksFree standard checks–every order–not just your first.Official ChecksFree official bank checks. Plus, if you need it sooner, we can get it to you quickly through express mail–also free of charge. Open Now
No fees at over 23,000 ATMs. Plus, we never charge you to use any ATM.
Open Now Find an ATM wherever you are. Find an ATMFind an ATM
- Free ATM withdrawal at MoneyPass locations, a nationwide network of surcharge free ATMs
- No Discover fees at any ATM, with access to over 382,000 ATMs nationwide
- Convenient Mobile ATM locator
Free withdrawals at:
Accepted anywhere you see:
- Diners Club International®
Frequently Asked Questions
What is the Discover Bank routing number? The Discover Bank routing number is 031100649. Back to Top
What fees are associated with my Cashback Checking Account? There is no monthly maintenance fee or minimum balance requirements for a Cashback Checking account.
Fee Schedule for Discover Cashback Checking Accounts
Back to Top
|ATM Fee ||FREE |
|Foreign Transaction Fee ||FREE |
|Inbound Money Transfer ||FREE |
|Outbound Money Transfer ||FREE |
|Incoming Wire (Domestic or International) ||FREE |
|Outbound Wire (Domestic or International) ||$30 |
|Official Bank Check (per check) ||FREE |
|Copy of Check or Deposit Item ||FREE |
|Check Reorder ||FREE |
|Debit Replacement Card ||FREE |
|Deposited Returned Item (per item) ||$15 |
|Stop Payment (per request) ||$15 |
|Priority Mail ||FREE |
|Non-sufficient Funds (NSF) Fee ||$30* |
|Maximum Number of Insufficient Funds Fees per Day ||1 |
|Foreign Check Processing Fee ||At Cost |
|* The fee is $15 for residents of West Virginia. || |
What is the minimum deposit amount to open my account? The minimum initial deposit is $25. Back to Top
Am I required to maintain a minimum balance? No, you are not required to maintain a minimum balance. Back to Top
How do I fund my account or make deposits? You may deposit funds into your account multiple ways:
- Online transfer from an eligible external bank account to your Cashback Checking account
- Set up Direct Deposit
- Mobile Check Deposit from your Android or iPhone
- Mail a check that is addressed to Discover Bank with your account number enclosed to:
PO Box 30417
Salt Lake City, UT 84130 Back to Top
How can I access and manage my account? Log in to the Account Center at DiscoverBank.com
to access and manage your account online or use our Mobile Banking
application that is available for Android smart phones or tablets, iPhones or iPads. Back to Top
Is the Cashback Checking account FDIC insured? Yes, funds on deposit at Discover Bank are FDIC insured to the maximum allowed by law. For more information, visit our FDIC information page
. Back to Top
What should I do if I forget my User ID or Password? If you forget your User ID or password then click here
to get your User ID and password reset. If you are still unable to log in, call us at 1-800-347-7000. Back to Top
When will I receive my statements? Statements will be available monthly at the Account Center. You will receive an email when your statement is available for viewing. You may print your statement from the Account Center. Paper statements will not be mailed for a Cashback Checking Account. Back to Top
Are my statements available online? Yes, your statements are only available online on the Account Center at DiscoverBank.com
. Visit the 'View Statements' tab to view your statements. Back to Top
When can I access deposited funds
Back to Top
- ACH deposits are available within three (3) business days after the funds are received.
- Check deposits will be available within two (2) business days after the funds are posted to your account, in most cases. Longer holds may apply for deposits greater than $25,000.
- Deposits of Treasury Checks or checks drawn on other Discover accounts will be available the next business day.
How can I withdraw money?
Back to Top
- Use your debit card, free of any charges or fees, at any one of 23,000+ MoneyPass ATM locations (if you are charged a fee erroneously we will reimburse you for the charge)
- Use online and mobile ATM Locators to find an ATM near you - Click Here
- Use your debit card at any one of 380,000 ATMs nation wide
- Discover will never charge you a fee to use an ATM, however, the financial institutions that own the ATM may have a surcharge
- Use your debit card to pay for purchases wherever Discover Card is accepted
- Choose cash back at participating retailers at the time of your purchase
- Log in to the Account Center at DiscoverBank.com to conduct an online transfer to an external bank account
- You may pay yourself utilizing Online Bill Pay
- You may pay yourself utilizing Mobile Bill Pay
- Wire Transfer (fees may apply)
- Official Bank Check
What are my online transfer limits?
- Incoming limit is $100,000 per 30 day rolling period
- Outgoing limit is $100,000 per 30 day rolling period
We may change your transfer limits at any time. Any decrease will be subject to notice, to the extent required by law. Back to Top
How do I activate my debit card? You can activate your card from your home telephone by calling 1-877-347-4055. Back to Top
How do I change my Personal Identification Number (PIN) for my debit card? Your initial 4-digit PIN will be mailed to you separately from your debit card. Once you receive your PIN, you can change it by using our automated system at 1-800-347-7000. Back to Top
How can I locate an ATM near me? Use our ATM Locator
or our Mobile Banking application to find the nearest ATM. Back to Top
Is there a fee for using my debit card at an ATM? Discover will never charge you a fee for using your debit card at an ATM. MoneyPass ATMs are completely free of charge as are all Pulse ATMs. However, other financial institutions may apply a surcharge if you utilize their ATMs. Back to Top
What happens if I am charged an ATM fee by one that should be free? If you are at a participating MoneyPass ATM and it indicates you are being charged a fee, accept the fee and proceed with your transaction. Then notify Discover Bank by sending a message through the secure message center or calling us at and we will reimburse your account for the amount you were charged.
Please have the following information available:
Back to Top
- Date and time of the transaction
- ATM Location
- Last four digits of your debit card
- Amount of the fee you were charged
Is there a daily limit to the amount of money I can withdraw from an ATM with my debit card? Yes. The ATM withdrawal limit is $510 per day. Non-Discover ATMs may have additional fees and limits. Back to Top
Does my Cashback Checking account have the option to enroll in overdraft protection? No, as of this time, we do not offer overdraft protection. Back to Top
How do I earn Cashback rewards with my Cashback Checking account? You may earn Cashback bonus in the following ways:
Back to Top
- $0.10 every time you use your Discover Debit Card
- $0.10 for every bill you pay using the online bill payment feature per payee per month
- $0.10 every time you write a check from your Cashback Checking account per payee per month
Can I combine the Cashback bonus I earn from Cashback Checking account with my Cashback balance from my Discover credit card? Yes, your Cashback Bonus rewards from your Discover Card and your Cashback Checking account will accumulate and be tracked as one balance. Your balance will be maintained and viewable in the Account Center just as it is with your Discover credit card. Back to Top
Where can I see the Cashback bonus I earned from my checking account? You may view and track your Cashback bonus activity in the same place you always have in your account center. Your debit activity will simply be added to the Cashback bonus that you have earned with your Discover Credit Card. Back to Top
How can I redeem my Cashback Bonus? If you are registered for the Account Center you can browse all of your redemption options and redeem your Cashback Bonus online.
Not registered for the Account Center? Register Now
If you do not wish to register for the Account Center, please call 1-800-DISCOVER (1-800-347-2683) to redeem your Cashback Bonus. Back to Top
What are my redemption options? You may redeem Cashback Bonus for Partner gift cards, merchandise, Discover gift cards or charitable donations starting at $20.
You may redeem Cashback Bonus for cash in the form of a direct deposit to your bank account or a credit to your Discover card account in $50 increments, starting at $50. You may select more than one redemption method so long as each redemption is in one of the above amounts. Back to Top
Who are the participating Cashback Bonus Partners? You can turn your Cashback Bonus into bigger rewards every time you redeem for gift cards or instant eCertificates from over 200 brand-name Partners. Log in to view a list of our Partners
. Not registered for the Account Center? Register Now
. Back to Top
Will my Cashback Bonus ever expire? Rewards have no expiration date; however, if your account is closed for any reason or inactive for 18 consecutive months or if you fail to make any Minimum Payment Due for two consecutive billing periods, any Cashback Bonus in your Cashback Bonus account will be forfeited. Back to Top
If my Discover Card is lost or stolen, will my Cashback Bonus be transferred to my new account? Yes, we automatically transfer your Cashback Bonus to your new Discover Card account. Back to Top