discover online banking phone number

Customers can contact Discover by phone 24 hours a day, seven days a week at 1-800-347-2683 (inside the U.S.) or 1-801-902-3100 (outside the U.S.). Agents are. Discover how MIDFLORIDA's Online Banking can help you handle your money conveniently such as account numbers, credit card or debit card account numbers. 5 reviews of Discover Bank "This review is for the corporate office. Generally, I love this credit card company. 5-20% cash back for select online merchants.

Discover online banking phone number -

Overview

Discover offers some of the highest interest rates on bank accounts in the industry. Its savings accounts, money market accounts and certificates of deposit all earn at rates well above the national average. Perhaps more notable is the bank’s checking account, which earns 1% cash back on your debit card purchases. 

Discover also doesn’t charge any monthly service fees. 

Read on below to explore Discover's many offerings.

ProductKey Details
Savings Accounts
  • Competitive interest rate
  • No minimum deposit requirement or monthly fee
Certificates of Deposit
  • Competitive interest rates
  • Terms from three months to 10 years 
Money Market Accounts
  • High minimum deposit requirement
  • Competitive interest rates on balance tiers
Checking Accounts
  • Earn 1% cashback on debit card purchases
  • No monthly fee or minimum deposit requirement 
IRAs
  • Mirrors Discover’s certificates of deposit
  • High minimum deposit requirement

Discover Overview

Discover first entered the financial industry as a credit card introduced by Sears in 1985. Over time, Discover took on its own separate identity and began adding on more financial products. The bank says it strives to listen to its customers and create products that consumers can benefit from. 

The bank doesn’t have any physical branches. However, there are over 415,000 ATMs, including over 60,000 no-fee ATMs. 

Discover Bank Interest Rate Comparison

 

Save more with these rates that beat the National Average

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Discover Account Features

A huge perk of banking with Discover is its lack of fees. For instance, you won’t be charged for things like bank checks, incoming wire transfers, excessive withdrawals, stop payments, insufficient funds and deposited items returned. In fact, the only fee you'll come across is a $30 fee for outgoing wire transfers.

Discover provides convenience with over 60,000 no-fee ATMs and free online and mobile banking. Online, you can transfer money, pay bills and simply check on your accounts. With mobile, you can also deposit checks on the go. 

Compare Discover Bank to Other Competitive Offers

Discover Online Savings Account

Key FeaturesDetails
Minimum Deposit$0
Access to Your Savings AccountOnline, mobile, over the phone and at ATMs.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and Rates0.40% APY

Discover’s Online Savings Account doesn’t come with many perks. However, its sky-high interest rate makes up for that. The account’s rate climbs well above the national average and most big banks’ rates. The account compounds interest daily and pays it monthly. 

You also get to keep your earnings since the account doesn’t charge fees for things like low balances, checks, incoming wire transfers, deposited items returned and more. You can, however, face a $30 fee for each outgoing wire transfer. You have the option of using this savings account as overdraft protection for a checking account. There are no fees for overdraft protection services.

Discover Certificates of Deposit

Key FeaturesDetails
Minimum Deposit$2,500
Access to Your CDOnline, mobile, and over the phone.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone, although you may face a penalty for early withdrawal.
Current Terms and Rates
  • 3 Month: 0.20% APY
  • 6 Month: 0.25% APY
  • 9 Month: 0.30% APY
  • 12 Month: 0.55% APY
  • 18 Month: 0.60% APY
  • 24 Month: 0.65% APY
  • 30 Month: 0.70% APY
  • 3 Year: 0.75% APY
  • 4 Year: 0.80% APY
  • 5 Year: 1.00% APY 
  • 7 Year: 1.00% APY
  • 10 Year: 1.00% APY

Certificates of deposit offer a more structured way to save. Instead of having the flexibility of making deposits and withdrawals at almost any time, certificates of deposit usually allow one deposit at opening. You then cannot touch the account until it reaches maturity or the end of its term. Instead, CDs’ flexibility is tied to the term options a financial institution offers. Discover offers CD terms ranging from three months to 10 years. This allows you to save for both short-term and long-term goals. 

Discover does require a slightly high minimum deposit to open a CD. But, meeting this requirement can help boost your savings from the start, especially with interest compounded daily. Interest is credited to your account monthly. 

Discover Money Market Account

Key FeaturesDetails
Minimum Deposit$2,500
Access to Your Money Market AccountOnline, mobile, over the phone and at ATMs.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and Rates
  • Account balances below $100,000: 0.30% APY
  • Account balances of $100,000 and over: 0.35% APY

Having a money market account allows you to grow your money at interest rates similar to those found with savings accounts while having the kind of access to your funds you’d get with a checking account. You can access the Discover Money Market Account with your Discover ATM or debit card or with checks. 

It’s important to note that you have to open this money market account with a relatively high deposit amount. You can also use this account for overdraft protection, which doesn’t come at an extra cost. 

Discover Cashback Checking Account

Key FeaturesDetails
Minimum Deposit$0
Access to Your Money Market AccountOnline, mobile, over the phone and at ATMs.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone

Discover’s Cashback Checking account comes with a ton of perks. Most notably, you can earn 1% cash back on up to $3,000 in debit card purchases each month. So when you use your debit card to buy groceries or a movie ticket, you can receive 1% cash back on those purchases. 

As a checking account, you’ll have access to checks and a debit card. These should be available to you within 10 days of account opening. You can also reorder checks or debit cards at no extra fee. 

This account, like Discover’s other bank accounts, comes with an almost nonexistent fee schedule. In short, the bank promises no hidden fees, though you may incur a $30 charge for outgoing wire transfers.

Discover IRA CDs

Key FeaturesDetails
Minimum Deposit$2,500
Access to Your AccountOnline, mobile, and over the phone.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone, although you may face a penalty for early withdrawal.
Current Terms and Rates
  • 3 Month: 0.20% APY
  • 6 Month: 0.25% APY
  • 9 Month: 0.30% APY
  • 12 Month: 0.55% APY
  • 18 Month: 0.60% APY
  • 24 Month: 0.65% APY
  • 30 Month: 0.70% APY
  • 3 Year: 0.75% APY
  • 4 Year: 0.80% APY
  • 5 Year: 1.00% APY 
  • 7 Year: 1.00% APY
  • 10 Year: 1.00% APY

Discover’s IRA CDs mirror the bank’s regular CDs. They require the same minimum deposit amount and charge the same fees. However, it’s important to remember that an IRA will carry contribution limits. 

The tax treatment of an IRA is different than a personal savings account. You may need to consult with a financial advisor or tax professional to ensure you’re treating your IRA CD according to the rules. 

You can open a Discover IRA CD as a Roth or traditional IRA. You can also make IRA rollovers and transfers with these accounts. Discover also provides 24/7 telephone help to give you step-by-step instructions while you apply to and manage your account.

Where Can I Find Discover?

You can find Discover online, on mobile, over the phone, or at over 60,000 no-fee ATMs. The bank does not have any physical branches.

What Can You Do Online With Discover?

You can complete all your banking needs online with Discover, especially since the bank doesn’t have any physical branches to visit. You can browse its many offerings and tools online and locate its thousands of ATMs. If you find an account you like, you can open it online. 

Once you have an account, you can easily access that online by logging in with your user ID and password. Fingerprint and passcode security are added to your login if you want to access your account(s) on mobile. You can also deposit checks on mobile. 

How Do I Access My Money?

You can access your money wherever you can find Discover, whether that’s online, on mobile, over the phone or at an ATM. You can reach a Discover customer service representative 24/7 at 1-800-347-7000. If you want to access your account online, you can do so from any page on the bank’s website. Simply click the “Log In” button at the top right and enter your user ID and password. You can also use this login information on the bank’s mobile app or your phone’s internet browser. 

You can use your Discover ATM/debit card at over 415,000 ATMs. This includes over 60,000 no-fee ATMs in the Allpoint® or MoneyPass® networks.

How Can I Save More Money With a Discover Account?

Discover’s savings, CD, and money market accounts all carry competitive interest rates which can help you save more. Plus, only the money market account earns according to balance tiers, allowing all customers to take advantage of the high interest rates. The Discover checking account even earns cash back, a feature typically reserved for credit cards. 

What’s the Process for Opening an Account With Discover?

To open a Discover account online, you need to click on the orange “Get Started” button for the account you’re interested in. You may also find a blue “Open an Account” button, which will take you to the same application. Once you’re there, you’ll need to provide your address, email, and Social Security number. 

You’ll also need to fund the account at opening if there is a required deposit. This means you’ll need to provide banking information to fund your new account. Once that’s done, you’ll receive an email in your inbox and a welcome kit in the mail.

What’s the Catch? 

Despite being a big name in the financial world, Discover doesn’t have any physical branches you can visit in person. That means that if you really value in-person banking, you may want to find another bank. 

You may be caught off guard by the high minimum deposit requirements for the CDs and money market account. You have to maintain that balance in the money market account to avoid a minimum balance fee. This balance may not be achievable for everyone who wants to open an account.

Bottom Line

Discover offers only one option per account type, which limits customers’ pool of choices. However, the accounts all have high interest rates, making them extremely attractive options. With the exception of the bank’s money market account, you don’t have to worry about needing to maintain a certain account balance or meet specific requirements in order to avoid a monthly fee. Discover offers a great option for those who want to save at the highest rates and keep their accounts in one place. 

Источник: https://smartasset.com/checking-account/discover-bank-banking-review

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Fidelity Bank is a Bank built on values. Since 1909, our mission has guided us to do what’s right for our customers, our community, and our associates.

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Fidelity Bank earns the loyalty of our customers. With over 1,600 five-star Google reviews, our superior attention to caring and personal service helps us build relationships that span lifetimes – even generations.

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Fidelity Bank is committed to helping our customers succeed. We’ll be right beside you with the right solution to meet your needs whether you are banking from home, the road, or at one of our branches.

Bank on the Go With Fidelity Bank Mobile Banking

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Manage Your Account From Anywhere

Securely access your Fidelity Bank account 24 hours a day. Check your balance, track your spending, pay bills, deposit a check, and more!

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Easily Move Money

Transfer funds, send money to another financial institution, and pay family and friends with Zelle®– and all conveniently from your mobile device.

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Protect Your Account With Alerts

Gain peace of mind with Alerts from Fidelity Bank. You can set account and transaction level alerts so you’re always in the know.

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Right By You®

Right By You is more than our tagline. It’s been our commitment to be there when you need us, to offer sound financial advice, and to do the little things that help make your life easier. For over 100 years, Fidelity Bank has been helping people just like you. Find out why businesses and families come to us first – and bank with us for generations.

Fidelity Bank has been very good to us for many, many years. We’ve enjoyed working with them to help support our local community.

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Fidelity Bank and its associates are committed to giving back to the communities we serve. We’re proud to support causes that help people in need and work with local organizations to help make our communities stronger. Our associates also volunteer their time to causes close to their hearts. In all the areas we serve, Fidelity Bank and our associates are dedicated to being vital participants in our community.

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Источник: https://www.fidelitybanknc.com/
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Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®

Travel Credit Card: Discover it® Miles

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured

Business Credit Card: Discover it® Business Card

Cash Back Credit Cards
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards
Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card
22.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Business Credit Card
Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

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Источник: https://www.discover.com/credit-cards/help-center/contact-us/

Online Savings Account

Annual percentage yield

X.XX%

Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

X.XX%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

Источник: https://www.discover.com/online-banking/savings-account/

How To Find and Use Your Discover Bank Login

Considering that Discover is one of the largest credit card issuers in the U.S., you’d be forgiven for thinking that’s all the company does. But Discover also has an online banking platform that lets customers set up checking accounts, high-yield savings accounts, money market accounts and more. To use an online bank, you need an online account and knowledge of how to log in to it.

Keep reading to learn how to use and set up the login for your Discover account:

How To Log In to Your Discover Bank Account From a Computer

To log in to your account from your computer, look for the links in the upper-right corner of the Discover online banking homepage and follow these steps:

  1. Click the “LOG IN” button.
  2. Enter your user ID and password.
  3. Click “Log In.”

To create an online bank account with Discover, you’ll need to provide the following:

  • The last four digits of any one of your Discover account numbers
  • Your Social Security number
  • Date of birth
  • Mother’s maiden name

From there, you’ll be prompted to create your login ID and verify it.

Check Out: Discover Bank Review — Fee-Free Features Worth Checking Out

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Discover mobile banking app

How To Log In to Your Discover Bank Account From a Mobile Phone or Tablet

You can log in to the Discover app from your Android device, iPhone, iPad or Apple Watch using your account information. Once you do, the Discover app gives you quick access to your account. You also have the option of logging in using biometric technology like Face ID or mobile fingerprint login. Another login option is to set up a four-digit passcode. Alternatively, you can set up Quick View to view your account without logging in.

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How To Retrieve a Forgotten Username or Password

If you’ve forgotten your Discover username or password, you can retrieve them using the “Forgot User ID/Password?” link, which is located beneath the user ID and password fields. After you click it, you’ll be taken to a page where you’ll be prompted to enter the following information:

  • Date of birth
  • Social Security number
  • Mother’s maiden name

From there, follow the instructions to retrieve your username and password.

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How To View Your Discover Statement Information

Once you log in to your Discover account, you can view your statements using the appropriate tab. You can also download monthly statements. To opt for paperless statements, use the “Accounts” tab if you are already logged in, or select that option during the account creation process.

Related: Best Discover Bank Promotions and Offers

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How To Contact Discover If You Have Trouble With Your Account

Discover has several numbers you can call for troubleshooting or with questions. Here are some of the key phone numbers having to do with online banking accounts:

  • Opening an account: 800-347-7000
  • Identity verification: 866-598-7726
  • Online banking tech support: 800-290-9885

Discover also has contact numbers for other issues such as inactive accounts and reporting phishing schemes.

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What Are the Benefits of Online Banking?

If you like having all your banking information right at your fingertips, online and mobile banking can be both useful and empowering. The ability to look up your balance or handle transactions from a computer or phone means you have better control over financial decisions such as paying bills, transferring funds, saving money and applying for loans. Plus, online banking usually comes with other useful features, such as recurring payments.

Up Next: Best Online Banks of 2020

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More on Discover

More on Using Your Bank Login

This content is not provided by Discover. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Discover.

Источник: https://www.gobankingrates.com/banking/banks/how-find-use-discover-bank-login/

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Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®

Travel Credit Card: Discover it® Miles

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured

Business Credit Card: Discover it® Business Card

Cash Back Credit Cards
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards
Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card
22.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Business Credit Card
Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

NHL and the NHL Shield are registered trademarks and NHL.TV is a trademark of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2021. All Rights Reserved.

Источник: https://www.discover.com/credit-cards/help-center/faqs/web-support.html

Website Technical Support

Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®

Travel Credit Card: Discover it® Miles

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured

Business Credit Card: Discover it® Business Card

Cash Back Credit Cards
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase Discover online banking phone number applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards
Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer captain america endgame shield 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, woori bank america login will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card
22.99% standard variable purchase APR. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Business Credit Card
Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

NHL and the NHL Shield are registered trademarks and NHL.TV is a trademark of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2021. All Rights Reserved.

Источник: https://www.discover.com/credit-cards/help-center/faqs/web-support.html

Bonus Offer

Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited discover online banking phone number 60 days of qualification under the description: Commercial Spend Bonus.

Earning Points

Base Rewards Tier: Earns (i) one (1) point for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) three (3) points for each dollar you spend for net retail purchases in the follow rewards category: gas stations (2 additional points on top of the 1 point per dollar earned on net retail purchases), (iii) two (2) points for each dollar you spend for net retail purchases in the following rewards categories: restaurants and travel (airlines, auto rental, and lodging) (1 additional point on top of the 1 point per dollar earned on net retail purchases).

Rewards Categories: Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

Businesses may earn up to 10,000 points per calendar month, excluding bonus points. Points earned are available for redemption for a 3 year term. Points expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.

Rewards Redemption

Businesses in the Base Rewards Tier may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit towards a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards, including airline tickets, hotel, car rentals, cruises and tours, (v) retail gift cards and certificates and (vi) merchandise and (vii) donations.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at FirstCitizensRewards.com at log in.

Program Rules are subject to change or cancellation without notice.

Источник: https://www.firstcitizens.com/

My online bank

Hello,
I’m Sugnesh Patel, and I’m joined by my colleague Gavin.

Each year, we help hundreds of clients carry out their daily transactions.
We advise them on the best solutions to save time and money and carry out transactions in complete security.
With digital features and services rapidly changing, it’s normal to be anxious.
Don’t worry! Today we’ll go over five digital features that will make your life easier.

Have you ever turned back to the branch for a deposit because of the lineup?
Want to check your balance whenever you want?
Do you owe a friend an amount of money and have no more checks or cash?

This is where digital solutions can make your life easier. And don’t panic, a transaction made by mistake could still be reversed.
Not convinced? Let us prove you wrong.

Here’s what you’ll be able to do after watching the video: Create an account and sign in, deposit cheques, pay bills, carry out transfers between accounts and Interac® e-Transfers and schedule appointments. Now let’s go over how to create an online account or sign in.

To get started, type nbc.ca in your search engine. Then, click “Sign in” and select “Personal”. If you don’t already have an online account, you’ll need a personal and unshared email address.

First step: How to create your account online or sign in.
Fill in your personal information. Choose a strong password and keep your password secret. Consult the ABCs of Security for more information. A strong password is long, as much as 21 characters. You should also use a different password for each online service, your email, bank account and social networks.

National Bank will never ask for your password, whether by freedom northwest community credit union, email or phone. If someone asks for your password, it’s very likely to be a fraud attempt. Never share your passwords with anyone.

Now that you have an online account, let’s go over a feature that will save you some time.

Источник: https://www.nbc.ca/personal/accounts/online.html

Overview

Discover offers some of the highest interest rates on bank accounts in the industry. Its savings accounts, money market accounts and certificates of deposit all earn at rates well above the national average. Perhaps more notable is the bank’s checking account, which earns 1% cash back on your debit card purchases. 

Discover also doesn’t charge any monthly service fees. 

Read on below to explore Discover's many offerings.

ProductKey Details
Savings Accounts
  • Competitive interest rate
  • No minimum deposit requirement or monthly fee
Certificates of Deposit
  • Competitive interest rates
  • Terms from three months to 10 years 
Money Market Accounts
  • High minimum deposit requirement
  • Competitive interest rates on balance tiers
Checking Accounts
  • Earn 1% cashback on debit card purchases
  • No monthly fee or minimum deposit requirement 
IRAs
  • Mirrors Discover’s certificates of deposit
  • High minimum deposit requirement

Discover Overview

Discover first entered the financial industry as a credit card introduced by Sears in 1985. Over time, Discover took on its own separate identity and began adding on more financial products. The bank says it strives to listen to its customers and create products that consumers can benefit from. 

The bank doesn’t have any physical branches. However, there are over 415,000 ATMs, including over 60,000 no-fee ATMs. 

Discover Bank Interest Rate Comparison

 

Save more with these rates that beat the National Average

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Discover Account Features

A huge perk of banking with Discover is its lack of fees. For instance, you won’t be charged for things like bank checks, incoming wire transfers, excessive withdrawals, stop payments, insufficient funds and deposited items returned. In fact, the only fee you'll come across is a $30 fee for outgoing wire transfers.

Discover provides convenience with over 60,000 no-fee ATMs and free online and mobile banking. Online, you can transfer money, pay bills and simply check on your accounts. With mobile, you can also deposit checks on the go. 

Compare Discover Bank to Other Competitive Offers

Discover Online Savings Account

Key FeaturesDetails
Minimum Deposit$0
Access to Your Savings AccountOnline, mobile, over the phone and at ATMs.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and Rates0.40% APY

Discover’s Online Savings Account doesn’t come with many perks. However, its sky-high interest rate makes up for that. The account’s rate climbs well above the national average and most big banks’ rates. The account compounds interest daily and pays it monthly. 

You also get to keep your earnings since the account doesn’t charge fees for things like low balances, checks, incoming wire transfers, deposited items returned and more. You can, however, face a $30 fee for each outgoing wire transfer. You have the option of using this savings account as overdraft protection for a checking account. There are no fees for overdraft protection services.

Discover Certificates of Deposit

Key FeaturesDetails
Minimum Deposit$2,500
Access to Your CDOnline, mobile, and over the phone.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone, although you may face a penalty for early withdrawal.
Current Terms and Rates
  • 3 Month: 0.20% APY
  • 6 Month: 0.25% APY
  • 9 Month: 0.30% APY
  • 12 Month: 0.55% APY
  • 18 Month: 0.60% APY
  • 24 Month: 0.65% APY
  • 30 Month: 0.70% APY
  • 3 Year: 0.75% APY
  • 4 Year: 0.80% APY
  • 5 Year: 1.00% APY 
  • 7 Year: 1.00% APY
  • 10 Year: 1.00% APY

Certificates of deposit offer a more structured way to save. Instead of having the flexibility of making deposits and withdrawals at almost any time, certificates of deposit usually allow one deposit at opening. You then cannot touch the account until it reaches maturity or the end of its term. Instead, CDs’ flexibility is tied to the term options a financial institution offers. Discover offers CD terms ranging from three months to 10 years. This allows you to save for both short-term and long-term goals. 

Discover does require a slightly high minimum deposit to open a CD. But, meeting this requirement can help boost your savings from the start, especially with interest discover online banking phone number daily. Interest is credited to your account monthly. 

Discover Money Market Account

Key FeaturesDetails
Minimum Deposit$2,500
Access to Your Money Market AccountOnline, mobile, over the phone and at ATMs.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone
Current Terms and Rates
  • Account balances below $100,000: 0.30% APY
  • Account balances of $100,000 and over: 0.35% APY

Having a money market account allows you to grow your money at interest rates similar to those found with savings accounts while having the kind of access to your funds you’d get with a checking account. You can access the Discover Money Market Account with your Discover ATM or debit card or with checks. 

It’s important to note that you have to open this money market account with a relatively discover online banking phone number deposit amount. You can also use this account for overdraft protection, which doesn’t come at an extra cost. 

Discover Cashback Checking Account

Key FeaturesDetails
Minimum Deposit$0
Access to Your Money Market AccountOnline, mobile, over the phone and at ATMs.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone

Discover’s Cashback Checking account comes with a ton of perks. Most notably, you can earn 1% cash back on up to $3,000 in debit card purchases each month. So when you use your debit card to buy groceries or a movie ticket, you can receive 1% cash back on those purchases. 

As a checking account, you’ll have access to checks and a debit card. These should be available to you within 10 days of account opening. You can also reorder checks or debit cards at no extra fee. 

This account, like Discover’s other bank accounts, comes with an almost nonexistent fee schedule. In short, the bank promises no hidden fees, though you may incur a $30 charge for outgoing wire transfers.

Discover IRA CDs

Key FeaturesDetails
Minimum Deposit$2,500
Access to Your AccountOnline, mobile, and over the phone.
SecurityFDIC insurance up to the maximum amount allowed by law. 
FeesNone, although you may face a penalty for early withdrawal.
Current Terms and Rates
  • 3 Month: 0.20% APY
  • 6 Month: 0.25% APY
  • 9 Month: 0.30% APY
  • 12 Month: 0.55% APY
  • 18 Month: 0.60% APY
  • 24 Month: 0.65% APY
  • 30 Month: 0.70% APY
  • 3 Year: 0.75% APY
  • 4 Year: 0.80% APY
  • 5 Year: 1.00% APY 
  • 7 Year: 1.00% APY
  • 10 Year: 1.00% APY

Discover’s IRA CDs mirror the bank’s regular CDs. They require the same minimum deposit amount and charge the same fees. However, it’s important to remember that an IRA will carry contribution limits. 

The tax treatment of an IRA is different than a personal savings account. You may need to consult with a financial advisor or tax professional to ensure you’re treating your IRA CD according to the rules. 

You can open a Discover IRA CD as a Roth or traditional IRA. You can also make IRA rollovers and transfers with these accounts. Discover also provides 24/7 telephone help whats the next holiday coming up 2017 give you step-by-step instructions while you apply to and manage your account.

Where Can I Find Discover?

You can find Discover online, on mobile, over the phone, or at over 60,000 no-fee ATMs. The bank does not have any physical branches.

What Can You Do Online With Discover?

You can complete all your banking needs online with Discover, especially since the bank doesn’t have any physical branches to visit. You can browse its many offerings and tools online and locate its thousands of ATMs. If you find an account you like, you can open it online. 

Once you have an account, you can easily access that online by logging in with your user ID and password. Fingerprint and passcode security are added to your login if you want to access your account(s) on mobile. You can also deposit checks on mobile. 

How Do I Access My Money?

You can access your money wherever you can find Discover, whether that’s online, on mobile, over the phone or at an ATM. You can reach a Discover customer service representative 24/7 at 1-800-347-7000. If you want to access your account online, you can do so from any page on the bank’s website. Simply click the “Log In” button at the top right and enter your user ID and password. You can also use this login information on the bank’s mobile app or your phone’s internet browser. 

You can use your Discover ATM/debit card at over 415,000 ATMs. This includes over 60,000 no-fee ATMs in the Allpoint® or MoneyPass® networks.

How Can I Save More Money With a Discover Account?

Discover’s savings, CD, and money market accounts all carry competitive interest rates which can help you save more. Plus, only the money market account earns according to balance tiers, allowing all customers to take advantage of the high interest rates. The Discover checking account even earns cash back, a feature typically reserved for credit cards. 

What’s the Process for Opening an Account With Discover?

To open a Discover account online, you need to click on the orange “Get Started” button for the account you’re interested in. You may also find a blue “Open an Account” button, which will take you to the same application. Once you’re there, you’ll need to provide your address, email, and Social Security number. 

You’ll also need to fund the account at opening if there is a required deposit. This means you’ll need to provide banking information to fund your new account. Once that’s done, you’ll receive an email in your inbox and a welcome kit in the mail.

What’s the Catch? 

Despite being a big name in the financial world, Discover doesn’t have any physical branches you can visit in person. Cash out prepaid visa debit card means that if you really value in-person banking, you may want to find another bank. 

You may be caught off guard by the high minimum deposit requirements for the CDs and money market account. You have to maintain that balance in the money market account to avoid a minimum balance fee. This balance may not be achievable for everyone who wants to open an account.

Bottom Line

Discover offers only one option per account type, which limits customers’ pool of choices. However, the accounts all have high interest rates, making them extremely attractive options. With the exception of the bank’s money market account, you don’t have to worry about needing to maintain a certain account balance or meet specific requirements in order to avoid a monthly fee. Discover offers a great option for those who want to save at the highest rates and keep their accounts in one place. 

Источник: https://smartasset.com/checking-account/discover-bank-banking-review
Get it on the App Store
Download the Bank of America App

Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.

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Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. chase bank formal name other countries. App Store is a service mark of Apple Inc.

Get it on the App Store
Download the Bank of America App

Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.

Or we can send you a link by email

Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Get it on Google Play
Download the Bank of America App

Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.

Or we can text a download link directly to your phone

By providing your mobile number you are consenting to receive a ulta store hours july 4 message. Text message fees may apply from your carrier. Text messages may be transmitted automatically.

Android is a trademark of Google Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd.

Get the mobile banking app

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Источник: https://www.bankofamerica.com/

Discover Bank Review

Discover is best known for its rewards credit cards, but that’s just a portion of its business. It’s a full-service online bank, as well as a payment services company. Discover offers banking and retirement solutions for individuals. Discover is also a lender, with personal, student and home equity loans available.

Because they are strictly an online bank, Discover doesn’t have local branches that customers can visit in person for banking needs. That doesn’t mean they aren’t accessible, though. Discover is known for its superb customer service, which is available 24 hours a day.

Here’s our review of Discover Bank and its personal banking options to see why it made our list of the Best Online Banks 2021. Discover also earns a spot on our Best Checking Accounts (best for cash back) and Best Online Savings Accounts (best for avoiding fees).

Account details and annual percentage yields (APYs) are accurate as of November 19, 2021.

Account Basics

Checking (Cashback Debit)*

Discover checking account are somewhat unusual in the banking world. That’s because—similar to many of its credit card offerings—Discover checking accounts earn cash back rewards. With the Discover Cashback Debit account, customers can earn 1% cash back on up to $3,000 in debit card purchases every month.

If you maxed out the $3,000 monthly limit, you would earn $30 cash back every month. Over a year, you would earn $360 cash back just by using your debit card for purchases. If you only spent $2,000 in debit card purchases monthly, that’s still $240 cash back over a year.

Another feature that Discover is known for with its checking accounts is not charging fees. There are no fees for account maintenance, ordering checks, in-network ATM use, online bill pay or replacement debit cards. Discover Cashback Debit accounts have no minimum balance requirements or activity requirements.

Savings

Discover Bank offers an online savings account with competitive rates that are five times higher than the national average. Discover savings accounts earn 0.40% APY. With $10,000 in your savings account, you would earn discover online banking phone number $40 from interest annually. Interest compounds daily and pays out monthly.

There are no fees associated discover online banking phone number online savings accounts through Discover. There’s also no minimum balance requirement. Compare that to Bank of America’s Advantage Savings account, which requires a $500 minimum balance to waive its $8 monthly fees.

Money Market

Money market accounts take the earning power of a savings account and also give access to checking features for a more versatile account. The Discover Bank money market account provides customers with ATM access, a debit card and check-writing capabilities.

Convenience isn’t the only high point for Discover’s money market accounts. These accounts offer high earning potential. Account balances under $100,000 earn 0.30% APY. Balances of $100,000 and higher earn 0.35% APY. An account balance of $20,000 saved for five years will earn $60 in the first year and $302 over five years of saving.

Discover’s money market accounts have no fees and no minimum balance requirements. Money market accounts allow you to earn more interest than you would with a traditional checking account.

CDs

Discover Bank certificates of deposit (CDs) are versatile high-yield accounts that offer guaranteed returns for customers. Discover CD terms range from three months to 10 years, depending on your needs.

Discover offers competitive returns on its CDs that are a bit lower than the best CD rates on the market. Here’s a look at the interest-earning potential of Discover’s CD accounts at different term lengths with an initial deposit of $15,000:

Discover offers a total of 12 CD term lengths. In addition to the five CDs shown above, Discover offers term lengths of six months, nine months, 18 months, 24 months, 30 months, four years and seven years.

CD accounts through Discover have a $2,500 minimum deposit. If for some reason you need to access your funds before they reach maturity, you can withdraw them, but you’ll have to pay a penalty. The early withdrawal penalty will depend on the specific wells fargo bank hours friday of the CD term. The penalty on a CD with a term under one year is three months’ simple interest.

Opening a CD account is generally considered to be a safe investment because november 2020 holiday packages have FDIC insurance and a guaranteed return, no matter what the market does. Your CD rate is locked in for your term length. The longer your CD term, the higher the rate you’ll receive. You also can create a CD ladder, using Discover CDs with different maturity dates, to build in some flexibility specific to when you withdraw funds.

IRA CDs*

Another option available through Discover is IRA CDs. Customers can choose between Roth IRA CDs and Traditional IRA CDs, depending on their needs. Roth IRA CDs:

  • Are funded with after-tax dollars
  • Contributions aren’t tax-deductible
  • Earnings are tax-free
  • Contributions can be withdrawn at any time without IRS penalty

Traditional IRA CDs are set up differently. Traditional IRA CDs:

  • Are discover online banking phone number with pre-tax money
  • Have tax-deferred earnings
  • Contributions can be tax-deductible up to specific limits
  • Funds can’t be withdrawn without a penalty until age 59½

IRA CDs through Discover can be funded with money from other retirement accounts. Customers also can transfer an IRA from another financial institution into a Discover IRA CD.

Discover’s IRA CD terms range from three months to 10 years f major scale french horn they pay similar APYs to Discover’s regular CDs. Discover IRA CDs can be opened with as little as $2,500.

Access on the Go

Discover customers can access their accounts in several ways. Accounts are always accessible online.

Discover Mobile is the bank’s highly rated mobile app, available on iOS (4.9 stars out of 5 on the App Store) and Android (4.6 stars on Google Play). Not only can you access all of your Discover accounts through the app, but you also can take advantage of mobile check deposit by taking a photo with your phone or tablet.

Convenience is a huge aspect of Discover’s mobile app. You can easily log into your account through touch ID. iPhone users also can log in through face ID. People using someone is trying to access my gmail account app can enable Quick View, which allows you to see your account balances without actually logging into your account. Discover ATMs first northern bank fairfield ca be located through the mobile app as well.

Discover has more than 60,000 ATMs available to customers. All of the ATMs in its network are fee-free ATMs. You may get charged a fee by other banks when using an out-of-network ATM.

Another nice feature is access to Zelle, a digital payment network. Discover and Zelle have partnered up, allowing customers to connect bank accounts to the service easily. Zelle lets you send and receive money between almost every U.S.-based bank account. There are no fees charged for this service.

Pros

  • 1% cash back on discover online banking phone number to $3,000 per month of debit card purchases
  • No monthly fees, overdraft fees or minimum balances
  • Online bill pay feature
  • 60,000+ fee-free ATMs
  • U.S.-based customer service available 24/7 365 days a year
  • Highly rated mobile app 
  • Competitive APYs on savings accounts and CDs 
  • IRA CDs available for retirement investments 
  • Diverse range of accounts for different financial san jose city college fall 2019 classes checking, savings, CDs, credit cards, personal loans

Cons

  • No physical locations
  • No auto loans
  • No reimbursement for out-of-network ATM fees

How Discover Bank Stacks Up

Discover hits a home run with its online banking services. They offer competitive rates on most accounts while having no minimum balances or fees. Checking accounts earn 1% cash back, which isn’t very common in the banking world.

Discover stands by its accounts and even offers comparisons to other banks on its website so you can see the differences. Its transparency is great to see. Flexibility is one of Discover’s best traits, evident across all of its banking products.

If the thought of online-only banking scares you, then Discover Bank isn’t the best option for your next bank account. Customers who are okay without a local discover online banking phone number branch should take advantage of high-yield earning with Discover Bank.

Frequently Asked Questions (FAQs)

Does Discover offer any loans?

Yes. Besides its personal banking products, Discover also offers personal loans, student loans and home equity loans.

Personal loans can be taken out through Discover for up to $35,000. The loans have fixed interest rates and can be repaid over a time period ranging from 36 months to 84 months. Those with established credit will qualify for lower APRs than those with an average to poor credit profile. There are no origination fees or other loan fees so long as you pay on time.

Discover student loans cover up to 100% of school costs. Students also can earn a discount for getting good grades. Student loans carry either a variable or fixed interest rate. The specific APR will vary, depending on the creditworthiness of the applicant.

Flexible home equity loans are available through Discover, with terms ranging from 10 years to 30 years. Home equity loan amounts range from $35,000 to $200,000. These loans carry a fixed APR, which will vary based on loan amount and creditworthiness factors.

Is Discover Bank FDIC insured?

Yes, Discover Bank is FDIC insured (FDIC# 5649). The federal government protects your money up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.

Discover Bank takes account security seriously. They do this through the use of fraud monitoring, fraud protection, SSL encryption, bill pay protection, and other security measures. Discover customers will never be held responsible for unauthorized banking transactions.

How good a deal is the Discover 1% cash back debit card?

Discover Bank is one of the few banks that still offers significant cash back rewards for debit card purchases. You can earn 1% cash back on up to $3,000 in debit card purchases each month.

Cash back can be redeemed as an automatic monthly deposit into your Online Savings account, transferred to a Discover Credit Card Cashback Bonus Account or deposited into your Cashback Debit account, Online Savings account or Money Market account. Rewards do not expire so long as your account is kept in good standing.

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Источник: https://www.forbes.com/advisor/banking/discover-bank-review/

Contact us anytime

Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®

Travel Credit Card: Discover it® Miles

Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

Secured Credit Card: Discover it® Secured

Business Credit Card: Discover it® Business Card

Cash Back Credit Cards
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 0% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Travel Credit Card
Intro purchase APR is 0% for 14 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 14 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 11.99% variable to 22.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Student Credit Cards
Intro purchase APR is 0% for 6 months from date of account opening then the standard purchase APR applies. Intro Balance Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Standard purchase APR: 12.99% - 21.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Secured Credit Card
22.99% standard variable purchase APR. Intro Discover online banking phone number Transfer APR is 10.99% for 6 months from date of first transfer, for transfers under this offer that post to your account by then the standard purchase APR applies. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Prime Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 3% Intro fee on balances transferred by and up to 5% fee for future balance transfers will apply. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

Business Credit Card
Intro purchase APR is 0% for 12 months from date of account opening then the standard purchase APR applies. Standard purchase APR: 12.99% variable to 20.99% variable, based on your creditworthiness. Cash APR: 24.99% variable. Variable APRs will vary with the market based on the Tyra jamelle moore Rate. Minimum interest charge: If you are charged interest, the charge will be no less than $.50. Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: 5% of the amount of each transfer. Annual Fee: None. Rates as of . We will apply payments at our discretion, including in a manner most favorable or convenient for us. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment.

NHL and the NHL Shield are registered trademarks and NHL.TV is a trademark of the National Hockey League. NHL and NHL team marks are the property of the NHL and its teams. © NHL 2021. All Rights Reserved.

Источник: https://www.discover.com/credit-cards/help-center/contact-us/
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How to Login Discover Bank Mobile Banking Account 2021? - Discover Bank Sign In

3 Replies to “Discover online banking phone number”

  1. If you dont require currency conversion, money transfer services dont make as much sense since there is no spread on the exchange rate. An international wire transfer is probably all that you need. Except rare exceptions, money transfer services can only receive payments in the local currency (i.e. you can only send AUD from Australia, USD from the USA etc...)

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