Interested in opening a Discover® Cashback Debit account? Find the latest Discover Checking bonuses, promotions, and offers here.
Available nationwide, the Discover Checking account allows you to earn 1% cash back on up to $3,000 in debit card purchases each month – up to a $360 Debit Card Cashback Bonus per year! See website for details.
Update 2/11/25: I personally use this account mainly because it has no fees at all. Very easy and convenient to use as a checking account without worrying amount minimum balance and such. A major perk is that you’ll earn 1% cash back on up to $3,000 in debit card purchases each month.
This account comes with no monthly fees or monthly balance! With access to over 60,000 no-fee ATMs across the U.S., this is a great way for you to earn rewards on all of your purchases! Member FDIC
Debit Cashback Offer $360 Cash Bonus
Earn 1% cash back for up to $3,000 each month on debit card purchases with a Discover Checking Account. That’s up to $360 Debit Card Cashback per year. Enjoy many perks such as no monthly fees or balance requirements and access to +60,000 free ATMs.
- Account Type: Discover Checking Account
- Availability: Online, Nationwide
- Credit Inquiry: Soft pull, which does not affect your credit
- Monthly Fees: None
(Visit Discover to learn more)
Discover Checking Account Features
- Cashback – Earn 1% cash back on up to $3,000 in debit card purchases each month
- No. Fees. Period. That means you won’t be charged an account fee on our Cashback Debit account.
- Early Pay – Get your paycheck up to two days early with no charge
- No credit impact – You can apply without affecting your credit score.
- Fraud Protection – You’re never responsible for unauthorized debit card purchases. If you suspect someone else has used your debit card without your permission, let us know.
- Add Cash – Add cash into your account at Walmart stores nationwide.
- Apply in minutes – Applying for a Cashback Debit account is simple and fast.
- Fee free overdraft protection
- No minimum opening deposit and no minimum balance
- Cash access at over 60,000 no fee ATMs nationwide
- Discover App Access (4.9/5 star rating)
- 100% US-based customer service available 24/7
- Online Privacy Protection – Discover will help remove your personal info from 10 people-search sites, activate by the mobile app.
- FDIC Insured
Other Discover Accounts To Consider
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.70% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
 • Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.65%% APY balances $100,000 and over • Earn 3.60% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
• Available nationwide online, Discover® offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. |
• Available nationwide online • Select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY • Step-by-step help available 24/7 by phone • Flexible options: Roth (pay now, save later) & Traditional IRAs (earn now, pay later) • Gather your retirement savings into one place. • Just three steps and you’re on your way to saving with a Discover® IRA CD. |
Bottom Line
This is a great opportunity for those who would like to take advantage of cash back opportunities on their purchases!
If you’re looking for a basic checking account with no fees, the Discover Checking account might be right for you.
For more Discover promotions, check out our list of Discover bonuses that we frequently update. However, if this promotion is not something you are interested in, check out our complete list of Best Bank Bonuses for more promotions!
| PROMOTIONAL LINK | OFFER | REVIEW |
| Discover® Bank Online Savings terms apply | $150/$200 bonus + 3.70% APY | Review |
| Discover® Checking | $360 Cash Back | Review |
| Discover® Bank CD | Up to 4.00% APY | Review |
| Discover® Bank Money Market | Up to 3.65% APY | Review |
| Discover® Bank IRA CD | Up to 4.00% APY | Review |
Hi Anthony I was trying to get a loan I have an account with you all
Thanks Will. Good to know!
Also, Discover did use Chexsystems for this account today on 6/26 so you will possibly not be approved if you are on their naughty list.
This will be a sweet reward for heavy credit card users. Something to take advantage.