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Cash back isn't just for credit cards
Open an Account
Earn 1% cash back
On up to $3,000 in debit card purchases each month.1
Bank better with free checking2
No account fees, no monthly maintenance fees, no minimum balance requirements.
Get your paycheck faster
You’re paid up to two days early when you set up direct deposit.3
What does Cashback Debit do for you?
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Fraud protection
A comprehensive set of features and tools to help protect your checking account from fraud.
Digital wallets
Link your debit card with Google Pay™4, Apple Pay® or Samsung Pay™ and earn rewards on qualifying purchases.
Learn more
60,000+ fee-free ATMs5
Easily access the cash from your checking account at stores you already visit. ATM Finder
Add cash to your account
Add cash to your checking account using your contactless debit card at any Walmart in the U.S. — with no fees.
Send money with Zelle®
Send money to and receive money from friends and family.
FDIC insured6
Checking account deposits are FDIC-insured up to the maximum amount allowed by law.
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Checking account FAQ
What fees and service charges are associated with my Discover Cashback Debit 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.
How do I earn Debit Card Cashback Bonus with my Discover Cashback Debit 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!
* 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), online sports betting and internet gambling transactions, 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 Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.
How can I make deposits to my Discover Cashback Debit Account?
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. To learn more, click here.
- Mail a check that is made out to you with your account number on the memo line to:
Discover Bank
PO Box 30417
Salt Lake City, UT 84130
What is Early Pay?
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. 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.
Does my Discover Cashback Debit account provide the option to enroll in overdraft protection?
Yes, your Cashback Debit account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.
Apply for a checking account online in minutes
Apply for a Discover Cashback Debit account without impacting your credit score.
Ready to get started? Apply for a Discover Cashback Debit account without impacting your credit score.
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1. 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), online sports betting and internet gambling transactions, 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 Pay® is a trademark of Apple Inc. Venmo and PayPal are registered trademarks of PayPal, Inc. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google, Google Pay, and Android are trademarks of Google LLC.
2. 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.
3. 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.
4.Google Pay is a trademark of Google LLC.
5.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.
6.For more detailed information on FDIC insurance coverage, contact the FDIC directly by visiting www.fdic.gov or by calling 1-877-ASKFDIC (1-877-275-3342), (TDD:1-800-925-4618)
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