Branch Services

In addition to quality savings and loan products, our branch offers Safe Deposit Boxes and Discover Gift Cards.

Safe Deposit Boxes

Our Safe Deposit Boxes are a safe place to secure your valuables.

  • Fixed payment plans
  • Various sizes to meet your needs
  • Convenient hours to access

Discover Gift Cards

A Discover Gift Card makes a great present, because it allows one to choose exactly what they want!

  • Choose any dollar denomination from $20-$500
  • Accepted at millions of locations
  • Great for birthdays, special occasions and thank you's

Get Started Today!

Call us at 1-888-765-6654, or visit us at 502 East Market Street, Greenwood, DE 19950.

Have questions about our products or services? Take a look at our FAQs below to find the answers you need. Or, you can call us directly at the branch at 1-888-765-6654, Monday through Friday 9am to 6pm EST or on Saturday from 8:30am to 1pm EST.

Frequently Asked Questions

How do I manage my account(s) online?

You can access your accounts at the Account Center at MyDiscoverBank.com. To begin, register for Account Center access. You will need to provide one of your Discover Bank account numbers and verify the security information that was provided during account opening. You will only need to register once, as new accounts you open are automatically linked to your online profile.

Once you have registered, you can access your accounts by logging in with your User ID and Password.

How do I register?

You can register for the Account Center at MyDiscoverBank.com or you can register during the online application process.

Your User ID must be 6-16 characters in length and can contain letters, numbers and most special characters.

Your password must be 8-32 characters in length and must contain at least one letter and at least one number. Your password is case sensitive and can contain most special characters.

What should I do if I forget my User ID or Password?

Log In Assistance can help if you forget your User ID or Password. If you are still unable to log in, call us at 1-888-765-6654.

If I have a joint account, can we both sign up for the Account Center at MyDiscoverBank.com?

Yes. Each joint owner must register separately to securely protect his/her personal information. Accountholder(s) should not share User IDs or Passwords.

What is the Discover Bank routing number?

The Discover Bank routing number is 031100649

Can I manage my Discover Bank account on my mobile phone?

Yes. You can:

  • Stay on top of your accounts
    • Check account balances at a glance
    • See recent account activity
    • View interest earned
  • Get the answers you are looking for
    • View customer service information
    • Read helpful FAQs
  • Move money where you need it (Online Savings and Money Market only)
    • Make transfers to eligible accounts
    • Set up one-time or repeating transfers
    • View scheduled transfer and payments

For more information, view our Mobile Banking Demo.

Where can I download the Discover Bank mobile app?

Our Mobile Banking Demo has detailed instructions on how to download the application.

You can also download the Discover Bank application by scanning the QR code below:

Is Bill Pay available?

Yes. You can use Online Bill Pay to pay your bills, make one-time payments, set up recurring payments, and more. This service is free and available for Money Market, Personal and Business Checking accounts.

Is the Account Center at MyDiscoverBank.com secure?

Yes. The Account Center at MyDiscoverBank.com was designed with security in mind. This means that your information is encrypted. Each time you log in we will authenticate you with your User ID and Password and your session will time-out after a period of inactivity.

Will Discover Bank ever send me an e-mail asking for my personal information?

No. Discover Bank will never send you an e-mail requesting you to reply directly in an e-mail with any personal information such as:

  • Account numbers
  • Account Center User ID or password
  • Birth date
  • Social Security Number

Are my statements available online?

Yes. Your statements are available online under the View Statements tab. Log in to the Account Center at MyDiscoverBank.com and visit the View Statements tab to view your statements.

When will I receive my statements?

  • Online Savings: Statements are sent monthly if there is an electronic funds transfer (EFT) within that month; otherwise, statements are sent quarterly.
  • Money Market: Statements are sent monthly.
  • CD: Statements are sent quarterly. If you request interest to be automatically transferred to an external account, you will receive monthly statements.
  • IRA CD: Statements are sent annually in January.
  • Personal Checking: Statements are sent monthly.
  • Business Checking: Statements are sent monthly.

When will I start earning interest on new deposits?

You will start to earn interest on the day your account is funded if the deposit occurred at or before 2pm EST. After 2pm EST, you will start to earn interest on the next business day.

How is interest on my Discover account calculated?

Interest is accrued and compounded daily and credited to your account monthly. Use our calculators for more information.

What is APY and how is it used?

APY stands for Annual Percentage Yield. The annual percentage yield is the amount of interest earned in one year. APY is shown as a percentage rate and it is determined by factoring the interest rate with the frequency of compounding. The more frequently compounding takes place, the more interest is earned on the account.

What is the difference between APY and APYE?

  • APY: The annual percentage yield (APY) measures the total amount of interest paid on an account based on the interest rate and the frequency of compounding.
  • APY Example: A 10-Year CD with a rate of 2.47% will effectively yield 2.50% over a one-year period due to compounding.
  • APYE: The annual percentage yield earned (APYE) for periodic statements is an annualized rate that reflects the relationship between the amount of interest actually earned on the consumer’s account during the statement period and the average daily balance in the account for the statement period.
  • APYE Example: An account with a rate of 1.09% (APY 1.10%) for the first half of the year repriced to a rate of 1.19% (APY 1.20%) for the second half of the year would have an APYE in between 1.10% and 1.20%. The actual percentage would depend on the weighted average of the balance in the account during those time periods.

How can I fund my CD, Money Market, Savings Account or Checking account or make additional deposit?

  • Online transfer from an eligible Discover Bank account or external bank account
  • Call us at 1-888-765-6654
  • Wire Transfer (fees apply)
  • Visit our branch in Greenwood, DE
  • Mail a check that includes your account number, made payable to you to:
    Discover Bank
    PO Box 2003
    Greenwood, DE 19950
    (Travelers Checks will not be accepted for deposit)

How do I withdraw money from my Online Savings account?

In general, there is a maximum limit of six (6) withdrawals per statement cycle for Online Savings accounts.

  • Log in to the Account Center at MyDiscoverBank.com to conduct an online transfer to an eligible Discover Bank account or to an external bank account
  • Wire Transfer (fees apply)
  • Official Bank Check (fees may apply)

How do I withdraw money from my Money Market account?

In general, there is a maximum limit of six (6) withdrawals per statement cycle for Money Market accounts.

  • Log in to the Account Center at MyDiscoverBank.com to conduct an online transfer to an eligible Discover Bank account or to an external bank account
  • Online Bill Pay
  • Use your debit card at any ATMs displaying the PULSE, Discover, or MoneyPass symbols. Use our ATM locator to find an ATM near you
  • Use your debit card to pay for purchases wherever Discover Card is accepted
  • Write a personal check
  • Wire Transfer (fees apply)
  • Official Bank Check (fees may apply)

How do I withdraw money from my CD account?

Early withdrawal fees may apply if you withdraw money from your CD account before the CD has matured.

How do I withdraw money from my IRA CD account?

Log in to the Account Center at DiscoverBank.com and click on the customer service IRA distribution form. Submit your completed form to Discover Bank by mail or fax.

  • Phone: 1-888-204-8966
  • Fax to: 1-801-996-2683
  • Mail to:
    Discover Bank
    PO Box 30418
    Salt Lake City, UT 84130

How do I withdraw money from my Personal Checking account?

  • Log in to the Account Center at MyDiscoverBank.com to conduct an online transfer to an eligible Discover Bank account or to an external bank account
  • Online Bill Pay
  • Use your debit card at any ATMs displaying the PULSE®, Discover, or Moneypass®, or Allpoint® symbols. Use our ATM locator to find an ATM near you
  • Use your debit card to pay for purchases wherever Discover Card is accepted
  • Write a personal check
  • Wire Transfer (fees apply)

How do I withdraw money from my Business Checking account?

  • Log in to the Account Center at MyDiscoverBank.com to conduct an online transfer to an eligible Discover Bank account or to an external bank account
  • Online Bill Pay
  • Use your debit card to pay for purchases wherever Discover Card is accepted (sole proprietors)

Are all ATMs accessible 24/7?

No, ATM accessibility varies by location. Not all ATMs are available 24/7 and some may have restricted access.

How do I find an ATM near me?

To find an ATM near you including free ATMs, click the “Search” icon at the top of the ATM Locator screen and type in the address, zip code, or landmark where you wish to find an ATM.

At which ATMs can I use my Discover debit card?

You can use your Discover debit card at ATMs displaying the Discover, PULSE®, MoneyPass®, or Allpoint® logos.

How do I report a lost or stolen debit card?

To report lost or stolen debit card on your Money Market account, please call 1-800-347-7000 immediately.

How do I change my PIN?

To change your PIN, please call 1-800-983-1266; you will be prompted to enter your current PIN and then your new desired PIN.

Is there a daily ATM withdrawal limit?

Yes. The maximum amount you can withdraw from ATMs is $510.00 per day. The Discover ATM withdrawal limit is $510 per day. Some ATMs may have lower withdrawal limits but you complete multiple transactions until you meet the Discover withdrawal limit of $510 per day.

Are there any fees for withdrawing money from an ATM?

There are no fees for withdrawing money from 60,000 surcharge-free MoneyPass® and Allpoint® ATMs nationwide. However, you may be subject to a fee from the ATM owner/financial institution if you do not use a surcharge-free ATM. Discover will never charge you a fee to use an ATM. You can use our ATM Locator to find surcharge-free MoneyPass® and Allpoint® ATMs nearby.

How do I find a surcharge-free ATM?

To display only surcharge-free ATMs on your search, enable the "Display only Surcharge-Free ATMs" button. Surcharge-free ATMs are represented by orange icons in map and list view.

Can I use my debit card outside of the United States?

You can use your Discover debit card to withdraw cash at ATMs and make purchases at participating merchants in the United States, Canada, Mexico, and the Caribbean wherever you see the Discover, Diners Club International, or PULSE® symbols.

In general, there is a maximum limit of six (6) withdrawals per statement cycle for Money Market accounts. If you exceed the maximum withdrawals fees will apply.

Can I make a deposit at an ATM?

Currently, Discover Bank does not accept deposits at ATM locations (other than at its branch in Greenwood, DE), If you need to deposit a check, please use the mobile check deposit feature on Discover’s mobile app or mail it to us at:

Discover Bank
PO Box 2003
Greenwood, DE 19950

I was charged a fee for using my debit card at an ATM that I believed to be a surcharge-free ATM. What can I do?

If you are at a MoneyPass® or Allpoint® 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 our Secure Message Center or calling us at 1-800-347-7000 and we will credit your account for fee if you provide the following information:

  • Date and time of the transaction
  • ATM location
  • Last four digits of your debit card
  • Amount of the fee you were charged

What is a Payable on Death (POD) account?

A POD Account is an account where a beneficiary has been named. Upon the death of the accountholder(s), the funds in the account will be distributed evenly to each beneficiary who survives the accountholder(s) (or to his or her representatives as applicable).

How do I add or remove a beneficiary?

Log in to the Account Center at MyDiscoverBank.com and download the Add/Remove POD form. Submit your form by mail or fax.

  • Fax to: 1-801-996-2676
  • Mail to:
    Discover Bank
    PO Box 2003
    Greenwood, DE 19950
  • Or visit us at our branch in Greenwood, DE

Call us at 1-888-765-6654 to add or remove your beneficiaries by phone. We will need the following information when requesting to add beneficiaries by phone:

  • Beneficiary name
  • Beneficiary Date of Birth
  • Beneficiary Social Security Number
  • Beneficiary contact information including address and phone numbers

What is a Trust account?

A Trust account is a legal arrangement in which an individual or a group create a financial or property account for the sole benefit of the beneficiaries of the trust. The trust is managed by the trustee(s) who has the legal authority to manage the account on behalf of or for the benefit of the beneficiaries.

What types of accounts can be Trust accounts at Discover Bank?

  • Money Market accounts
  • Certificate of Deposit accounts
  • Online Savings, Personal Savings and Business Savings accounts are not eligible to be opened in the name of a Trust

How do I apply for a Trust account?

To apply for an account in the name of a Trust, call us at 1-800-347-7000. U.S.-based Banking Specialists are available 24/7 to assist you with completing your trust application. You can also visit our branch in person in Greenwood, DE. Provided that the trusts terms are consistent with Delaware law, we may require you to provide a copy of the trust document or execute a Trustee Certification Form, which we will provide to you.

What is a Trustee?

A Trustee is an individual identified in a formal trust document who is responsible for managing all of the property owned by a trust for the benefit of the trust beneficiaries.

What is a successor trustee?

The person who assumes control of the trust after the initial trustee dies or becomes unable to continue with his or her responsibilities. Once the successor trustee has assumed control, he or she is responsible to ensure that your property is distributed to your beneficiaries according to the trust terms.

Does a Trust account require certification by the trustees?

Yes. Once a Discover Bank account is opened in the name of a Trust, we will send a Trustee Certification Form. This form must be signed by all listed Trustees and returned to Discover in a timely manner.

How do I access the funds in my Trust account?

  • CD Trust account: Early withdrawal penalties may apply (CD fee schedule) if you withdraw money from your CD before the CD has matured.
    • Call us at 1-888-765-6654
    • Submit your request in writing to:
      Discover Bank
      PO Box 2003
      Greenwood, DE 19950
    • Wire Transfer (fees apply)
    • Official Bank Check (fees may apply)
    • Visit our branch in Greenwood, DE
  • Money Market Trust account: You can access the funds in your Money Market Trust account using the following methods:
    • Write a check from your Money Market Trust account
    • Complete an online funds transfer through the Account Center at MyDiscoverBank.com
    • Submit a written request for an official check (fees may apply)
    • Submit a written request for a wire transfer (fees apply)
    • Visit our branch in Greenwood, DE

What is a Custodial account?

A Custodial account is an account that is managed by an adult (Custodian) for a minor. Discover establishes and maintains Custodial accounts under the Delaware Uniform Transfers to Minors Act. The person named as Custodian of the Custodial account must be at least 18 years of age and agrees to hold any funds deposited into the Custodial account as custodian and act in the best interest of the minor until the minor reaches the age of majority (21), as defined in the Delaware Uniform Transfers to Minors Act.

What types of accounts can be opened as Custodial?

Discover Certificate of Deposit and Money Market accounts can be opened as Custodial accounts. Discover Online Savings, Personal Savings and Business Savings accounts are not eligible to be opened as Custodial accounts.

How do I apply for a Custodial account?

To apply for a Discover Bank Certificate of Deposit or Money Market Custodial account, call us at 1-800-347-7000. U.S.-based Banking Specialists are available 24/7 to assist you with completing your Custodial account application. Customers can also visit us in person at our branch in Greenwood, DE.

What is the age of majority?

The legal age in which a minor established on a Custodial account becomes the sole owner of that account. The age of majority for Custodial accounts is 21.

What happens when the minor reaches the age of majority?

When the minor of a Custodial account reaches the age or majority, they become the sole owner of the account.