SuperMoney
Explore
Visit Site

Want to learn more about Discover Cashback Debit Checking Account?

Visit Discover Cashback Debit Checking Account's website for more information.

x No thanks, not right now
Advertiser Disclosure
  Discover Cashback Debit Checking Account

Best Of Product

Discover Cashback Debit Checking Account
in Checking Accounts from Discover Bank · Member FDIC
Claimed

Discover Cashback Debit Checking Account

Claimed
in Checking Accounts from Discover Bank · Member FDIC
SuperMoney Net Recommendation Score +70  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +70, equating to 4.4 on a 5 point rating scale.

+70

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

16 users recommend
2 users are unsure
2 users don't recommend
Cast your vote

Would you recommend Discover Cashback Debit Checking Account to your friends?

Thanks for your vote!

You voted: May or may not recommend

Change my vote
Highlights
Community Rating Strongly recommended
Cashback Rewards 1%
APY (Annual Percentage Yield) 0%
(Verified 09/19/2023)
Monthly Maintenance Fee $0
(Verified 09/19/2023)
Minimum Balance to Avoid Monthly Fee Starting at $0
Number of Reviews 20

Discover Cashback Debit Checking Account Review

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 1% cash back. Discover Cashback Debit Checking Account offers rewards on purchases (see terms and conditions here 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.
  • $0 monthly fee. 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. Get access to you paycheck funds faster If you set up a direct deposit to this account.

Discover Cashback Debit account Pros & Cons

Pros Cons
  • Zero fees. No minimum opening deposit and no minimum balance.
  • Get your paycheck up to two days early when you set up direct deposit for your online checking account.
  • No credit impact. You can apply without affecting your credit score.
  • Start earning 1% cash back on up to $3,000 in debit card purchases each month.
  • Joint accounts available.
  • Available in all 50 states.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest
  • Online-only account with no access to physical branches.
  • Higher than average wire transfer fees.

Discover Cashback Debit account FAQ

Are checking accounts from Discover Bank federally insured?

Yes, your deposits are insured up to $250,000 per person 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.

Discover Cashback Debit Checking Account Minimums
Description
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee 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.

Discover Cashback Debit Checking Account Fees
Description
Monthly Maintenance Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
Bank Teller Fee $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Overdraft Item Fee $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $30
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Copy $0
Check Cashing Fee $0
Debit Card Replacement Fee (Standard Delivery) $0
Early Account Closure $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.
  • Get paid early - If you set up direct deposit with your employer and request this service, you can collect your salary early.
  • Mobile Banking Services - Discover Cashback Debit account allows you to manage your money online or with a mobile app. This includes depositing checks 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 website for full details.
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

Get cash back on debit card purchases and no monthly fees. Cash back isn’t just for credit cards. Cashback Debit is the online checking account with a debit card that lets you earn cash back for your spending. Say goodbye to checking account fees. No. Fees. Period. That means you won't be charged an account fee on our Cashback Debit account. Earn 1% cash back on up to $3,000 in debit card purchases each month. See website for details.

Contact

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

Other Services by Discover Bank

Icon for Credit Card

Credit Cards

11 Products

88

106 Reviews

Grand Rental Station Discover Card

Home & Garden Showplace Discover

Discover it Cash Back

Discover it Chrome Gas & Restaurant Card

Discover it Miles Travel Credit Card

Discover it with Cashback Match

Discover it Balance Transfer

Discover it Secured Credit Card

Discover it Student Cash Back

Discover it Chrome for Students

Discover it® Chrome Card

Icon for Loans

Personal Loans

17

20 Reviews

Private Student Loans

Rating not yet determined

4 Reviews
Icon for Banking

CD Accounts

8

9 Reviews

Money Market Accounts

Rating not yet determined

4 Reviews

Savings Accounts

13

16 Reviews
Icon for Mortgage

Home Equity Loans

Rating not yet determined

4 Reviews
Icon for Refinance

Mortgage Refinance

3
2
1

6 Reviews

Student Loan Refinancing

Be the first to rate

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0
Monthly Maintenance Fee $0
(Verified 09/19/2023)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
Bank Teller Fee $0
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $0
Overdraft Item Fee $0
Overdraft Protection Fee (per transfer) $0
Returned Deposit Fee (Domestic) $0
Returned Deposit Fee (International) $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $30
Paper Statement Fee $0
Online Bill Pay Fee $0
Check Copy $0
Check Cashing Fee $0
Debit Card Replacement Fee (Standard Delivery) $0
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Get Paid Early
  • Bauer Financial A+/A Rating
  • Member FDIC
  • Online-Only Account
  • Joint Accounts
  • Rewards
Cashback Rewards 1%
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0%
(Verified 09/19/2023)

Discover Cashback Debit Checking Account Community Reviews

 

Would you recommend Discover Cashback Debit Checking Account to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +70, equating to 4.4 on a 5 point rating scale.

+70

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Checking Accounts

Strongly recommended

24 Reviews

Strongly recommended

20 Reviews

Strongly recommended

119 Reviews

View All
Browse Checking Accounts
SuperMoney
Best Picks
Partner with us
Go to homepage
AICPA SOC for Service Organizations badge SOC 2 Type II Monitored by Vanta badge

Copyright 2023 SuperMoney, LLC. All rights reserved.

SuperMoney Advertiser Disclosure

*SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by SuperMoney or them of us.

Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). SuperMoney strives to provide a wide array of offers for our users, but our offers do not represent all financial services companies or products.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.