Checking Options

Our FDIC-insured checking accounts offer free online bill payment and competitive interest rates.

Discover Bank offers a variety of checking accounts. Whether you're looking to earn interest, benefit from added features, or take advantage of electronic banking, we'll help you find the right account.

Enjoy banking convenience-on your schedule-from virtually anywhere, with our Banking Center and Online Bill Payment.

  Features Minimums and fees Eligibility Requirements
Personal Checking
  • No monthly service charge
  • No minimum balance requirement
  • Debit Card
  • Access your account online quickly, easily and confidentially
  • Online Bill Payment
  • Overdraft Protection
  • Internal transfers between Discover Bank accounts
  • 24 hour access to your accounts through mydiscoverbank.com and ATM
  • No fee - 1st order of standard checks
  • American Express Travelers Cheques available for sale
  • .25% interest rate reduction on a new retail installment loan if payments are automatically deducted from a Discover Bank account

An opening deposit as low as $50.
fees

Applicants must be 18 years of age or older

Must be a U.S. resident with valid Social Security Number
Super Now Interest-Bearing Checking
  • Competitive interest rates based on balances *
  • No monthly service charge
  • Unlimited check writing
  • Debit Card
  • Access your accounts online quickly, easily and confidentially
  • Online Bill Payment
  • Overdraft Protection
  • Internal transfers between Discover Bank accounts
  • 24 hour access to your accounts through mydiscoverbank.com and ATM
  • No fee - 1st order of standard checks
  • American Express Travelers Cheques available for sale
  • .25% interest rate reduction on a new retail installment loan if payments are automatically deducted from a Discover Bank checking account

$1,000 minimum balance
fees

Applicants must be 18 years of age or older

Must be a U.S. resident with valid Social Security Number
55 + Checking
  • FREE standard checks
  • Debit Card
  • No monthly service charge
  • No minimum balance requirement
  • Access your accounts online quickly, easily and confidentially
  • Online Bill Payment
  • Overdraft Protection
  • Internal transfers between Discover Bank accounts and 24 hour access through mydiscoverbank.com and ATM
  • No fee - American Express Travelers Cheques
  • No fee - Money Orders (3 per month)
  • No fee - Cashier's checks (3 per month)
  • .25% interest rate increase on (one) new CD when you open a 55 + Checking Account. (Interest from the CD must be automatically deposited into your 55+ Checking Account.)
  • .25% interest rate reduction on a new retail installment loan if payments are automatically deducted from a Discover Bank account

An opening deposit as low as $50
fees

Applicants must be 55 years of age or older

Must be a U.S. resident with valid Social Security Number
Business Checking
  • No monthly service charge
  • Access your accounts online quickly, easily and confidentially
  • Online Bill Payment
  • Internal transfers between Discover Bank accounts and 24 hour access through mydiscoverbank.com and ATM
  • Debit card available to sole proprietors

Open a checking account with an initial deposit of just $50
fees

All entities must have a valid tax identification number (TIN)

* Interest is compounded daily and credited to your account on a monthly basis.
The interest rate and annual percentage yield may change at the bank's discretion.