Discover® Cashback Debit Checking Account is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 01/21/2026
Not Currently Available
Discover® Cashback Debit Checking Account
Claimed
in Checking Accounts from Discover® Bank
Last Updated: 01/21/2026
SuperMoney User Recommendation Score +79
Strongly recommended29 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
N/A(Verified 06/05/2024)
Cashback Rewards
1%
Disclaimer popup with additional information
APY (Annual Percentage Yield)
0%(Verified 08/06/2025)
Disclaimer popup with additional information
Monthly Service Fee
$0(Verified 01/21/2026)
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Number of Reviews
Discover® Cashback Debit Checking Account Review
Discover® Cashback Debit Checking Account is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
The Discover® Cashback Debit Checking Account is offered by Discover® Bank, a bank founded in 1985 and based in Riverwoods, IL. Discover® Cashback Debit account is available in 50 states and Washington, DC.
Key Takeaways
- Up to $360 in cash back per year. Earn 1% cash back on up to $3,000 in debit card purchases each month. See the advertiser website for full details.
- 1% cash back.On up to $3,000 in debit card purchases each month. See the advertiser website for full details.
- 0% APY. As with most checking accounts, Discover® Cashback Debit Checking Account does not pay interest.
- Supports joint accounts. This allows two people to have equal authority over the management of an account.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Discover® Cashback Debit Checking Account does not charge fees on ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Discover® Bank mobile or online banking.
- Early direct deposit. You could have access to you paycheck funds faster if you set up a direct deposit to this account.
Discover® Cashback Debit account Pros & Cons
| Pros | Cons |
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Discover® Cashback Debit account FAQ
Are checking accounts from Discover® federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Discover® Cashback Debit account offer?
Discover® Cashback Debit account is not an interest-bearing account.
What are the account minimums for Discover® Cashback Debit account?
Discover® Cashback Debit account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Discover® Cashback Debit account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bank Teller Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Discover® Cashback Debit account charge overdraft fees?
No, Discover® Cashback Debit account does not charge overdraft fees.What features and perks does Discover® Cashback Debit account offer?
This account includes the following features:
- Fraud monitoring - Discover® Cashback Debit account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Eligible for early pay - If you set up an eligible direct deposit with your employer, you may be able to collect your paycheck up to two days early.
- Mobile Banking Services - Discover® Cashback Debit account allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Discover® Cashback Debit account?
The customer support email for Discover® Cashback Debit account is service@email.discover.com.
How do people rate the customer service and user experience of Discover® Cashback Debit account?
Overall, Discover® Cashback Debit account is strongly recommended based on community reviews that rate customer service and user experience.
Discover® Cashback Debit Checking Account Disclosure: See the advertiser's website for full details. Discover Checking content was collected independently by SuperMoney.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Discover® Cashback Debit account
Hours of Operation
Sunday
Closed
Monday
9:00AM - 6:00PM
Tuesday
9:00AM - 6:00PM
Wednesday
9:00AM - 6:00PM
Thursday
9:00AM - 6:00PM
Friday
9:00AM - 6:00PM
Saturday
8:30AM - 1:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +79, or 4.6 on a 5-point rating scale.
+79
-1000+100
No one recommends
Everyone recommends
Discover® Cashback Debit Checking Account Community Reviews
Would you recommend Discover® Cashback Debit Checking Account to your friends?
U
Anonymous
Jul 11, 2025
May or may not recommend
They have all the options you could possibly be looking to get out of a checking account
U
Anonymous
May 29, 2024
May or may not recommend
One of the best things I ever used in m
SJ
Shamim J.
Feb 22, 2024
May or may not recommend
The Discover Cashback Debit Checking Account has revolutionized my banking experience in the US. With its generous cashback rewards on everyday purchases, I feel like I'm earning while spending. The account's no-fee structure and extensive ATM network provide unparalleled convenience. What sets it apart is the seamless integration with the Discover mobile app, making it easy to track my spending and rewards in real-time. Plus, the added security features give ...Show More
U
Anonymous
Feb 7, 2024
May or may not recommend
It’s a good card my brother has one he loves it
U
Anonymous
Jan 6, 2024
May or may not recommend
I am awaiting on Disability having a real hard time
IR
Isaac R.
Jan 3, 2024
May or may not recommend
I’ve had the privilege own a Discover credit card in my wallet. When I was in College,”my friend recommended a student Discover credit card. I jumped on the opportunity & applied. I immediately got approved for a $500 unsecured credit limit. Loved every bit of this student credit card. It was my second credit card I ever owned. I will be getting another hopefully with a higher credit limit & ...Show More
Jenny F.
Dec 21, 2023
May or may not recommend
Discover Cashback Debit - Simple and Rewarding
I've been using the Discover Cashback Debit Checking Account, and it's been a positive experience. Here's a brief review:
Cashback Rewards: Earning cashback on everyday purchases is a great perk.
No Monthly Fees: No monthly charges, which is fantastic.
Wide ATM Network: Easy access to cash with a large fee-free ATM network.
User-Friendly App: The mobile app is intuitive and convenient.
Excellent Customer Service: Responsive and helpful customer service.
YF
Yuniosmar F.
Dec 3, 2023
May or may not recommend
Muy bien atendido rápido y confiable 100 porciento excelente servicio se los recomiendo
YA
Yesmin A.
Nov 30, 2023
May or may not recommend
Discover credit card offers excellent cash-back rewards, a user-friendly mobile app for easy management, and top-notch customer service, making it a standout choice for those seeking a rewarding and hassle-free credit card experience
Leonard G.
Nov 30, 2023
May or may not recommend
My vote goes with my people. I really appreciate you mayne. Stay solid
RU
Rabbia U.
Nov 19, 2023
May or may not recommend
Discover Bank as well as Discover Cashback Debit Checking Account are both 100% recommendation to any friend/family. The perk of this bank is there 24 hours customer service 7-days a week. They are excellent in customer support. Either it's their mobile app, online transfer or deposit, every process is so smooth and flawless. I never get into any difficult situation with them.
Discover Cashback Debit Checking Account is also a wonderful ...Show More
MS
Mohamed S.
Nov 11, 2023
May or may not recommend
Discover Cashback Debit Checking Account has been my go-to for years. The seamless online banking experience, low fees, and quick customer support set them apart. Their mobile app is intuitive, making transactions and budget tracking a breeze. If you're looking for a hassle-free checking account, Discover Cashback Debit Checking Account is the way to go.
Musa M.
Nov 6, 2023
May or may not recommend
Discover Bank has truly exceeded my expectations in the world of banking. Beyond the convenience of their online platform and user-friendly mobile app, what sets them apart is their unwavering commitment to customer satisfaction. Their customer service team has consistently gone above and beyond, addressing my concerns with professionalism and genuine care. It's clear that they prioritize their customers' needs.
Discover Bank has not only provided me with a secure and ...Show More
U
Anonymous
Oct 28, 2023
May or may not recommend
Gets it great live it amazing cool easy to get
KD
Kelcie D.
Oct 26, 2023
May or may not recommend
Discover was the first bank I opened a checking account with, and it was pretty easy! I was afraid that it would be super complicated or that I would get roped into something that I was naive about, but thankfully that wasn't the case! I banked with them for several years. I recommend Discover because I didn't have any problems, which is what you want in a bank after all!
Marissa
Oct 24, 2023
May or may not recommend
I would maybe recommend discover. It all depends on what you are looking for in a financial service. There's a limited physical presence since it's primarily an online bank, and limited banking products. As well as interest rates aren't always the highest available compared to others in the market. However its cashback rewards are a great way to earn money back and there's no monthly fees with 24/7 customer support.
GN
Gregg N.
Sep 26, 2023
May or may not recommend
They are the worst bank I have ever used, especially for wire transfers
Cheryl K.
Sep 20, 2023
May or may not recommend
It’s okay and well worthy so I can recommend it to a friend
GT
Gary T.
Aug 25, 2023
May or may not recommend
I absolutely love my Discover Cashback Checking Acct. Their cust service is available 24/7. You can go to any Walmart and deposit cash and it posts to your acct in about 15 min (No fee for this service). They're affiliated with, both, MoneyPass and Allpoint, so I never have an issue finding a surcharge-free ATM. Their online banking and bill pay is easy to use. ...Show More
MB
Matt B.
Jun 29, 2022
May or may not recommend
If I could rate Discover I would give it a 100/10. Every time I have ever had an issue they answer right away, find a solution, and then send me on my way. When it comes to your money, you do not want to have any issues or delays that may impede you from it.
Showing 20 of 29 reviews
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