Discover Bank Online: Why You Should Choose To Bank with Discover

Try banking with Discover Bank Online! Everything you want from a bank, without ever setting foot in one. With over 60,000 free ATMs, your money is right around the corner. Always near by. In this bank guide, it will reveal the reasons why you should bank with Discover Bank Online! Online banking is the way to go if you want the best return rates!

Editor’s Note: Choosing Discover Bank is a smart choice whether you’re banking online or looking for the best return rates. See our full list of Discover Bank Deals, Bonuses, Rates, and Promotions.

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. Apply Now at Discover 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 Offer may be modified or withdrawn without notice.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.

Why Choose Discover Bank Online?

Why we think you’ll like it here: 

• Discover Bank Online keeps it simple and straightforward
• No gimmicks gotchas or hidden fees
• Most features are free if they’re not, Discover Bank Online will let you know

Discover Bank Online Has It All

Everything you expect from your bank, and some pleasant surprises.

• All  Your Account Needs
  • From saving to everyday banking, Discover Bank Online will have an account to satisfy your financial needs and goals.
• Mobile Banking
  • Get online instead of waiting inline. Pay your bills, transfer money, check your balances and deposit checks quickly and conveniently with our mobile app.
• More For Your Money
  • From competitive rates to cash back on everyday banking, we make sure you’re always rewarded.
• Peace of Mind
  • Security is our top priority. We keep your money and personal information safe with Proactive Fraud Monitoring, $0 Liability Protection, Bill Pay Protection and more.
• Free Features
  • From no monthly fees, to free withdrawals at over 60,000 ATMs, to free online bill pay, our features are designed to help you save your money — not waste it on fees.
• Personalized Customer Service
  • Great service starts with listening to our customers. We pride ourselves on giving straightforward answers and going the extra mile every time.

Discover Bank Online Is Secure

Your money and your data are safe with Discover Bank Online.

• Your money is FDIC-insured up to the maximum allowed by law, plus we have $0 Liability Protection so you are never responsible for unauthorized debit card, online, or mobile banking transactions.

Discover Bank Is Mobile

Wherever you roam, Discover Bank Online is right there with you. All your banking, in your pocket or purse. Download the Discover Bank Online App today via iOS or Android.

• Mobile Deposit
  • Deposit checks with your mobile device just by snapping a photo.
• Fast Login
  • Sasve time by logging in with your fingerprint or 4-digit passcode.
• Quick View
  • Check balances and account activity without logging in.
• ATM Locator
  • Find the nearest free ATM when you’re on the go.

Discover Bank Online Is Loyal

Loyalty goes both ways, so Discover Bank will go out of their way to win yours.

• They’re here to help. Their U.S.-based Banking Specialists are available 24 hours a day, 7 days a week. It’s the same level of service that keeps Discover Card ranked the highest in customer loyalty

Still Have Questions?

Reach someone helpful 24/7. Call 1-800-347-7000!

Author’s Verdict

Banking with Discover Bank Online has definitely been a great experience. Not once have I had a bad experience with this bank. From their savings account, to their CDs, to their credit cards, it’s the better alternative to your local bank’s offerings! If you’re interested in more info regarding Discover Bank Online offers, check out our full listing of Discover Bank Online Bank Deals, Offers, Bonuses, and Promotions. Be sure to check back on BankDealGuy for more bank deals!