Discover® Bank

2.5 out of 5 stars
28 Reviews

From Account Holders in the last year


Application Process

3.5 out of 5 stars

Customer Service

3 out of 5 stars

2.5 5

Most Helpful Positive Review

Apr 23, 2016
Overall it's worthwhile
Keith0384 Account Holder

Very good bank overall. Customer service has always been very friendly; I can tell Discover has training as a priority. One rep even walked my mom through the process of using the app to take a picture of a check for a deposit. It's also reassuring they're open 24/7 and that you can use ATMs (here and there though) for free.

I would say, having said that, some of the perks might attract you but, ultimately, are kind of lame. The free ATMs are very random; the $0.10 is also kind of lame in that they cap it at a measly $10.00 a month; mailing time is ridiculous. I ordered checks and they sent them to the wrong address and then it took, basically, about a month to receive something as basic as checks for a checking account.

I'd say go with Discover and recommend it, however, like I do, you may want to have as a backup a checking account, however small of a balance, at a nearby bank just in case you have cash you'd like to deposit.

Thanks, Keith.

more ...

Was this review helpful?


Most Helpful Negative Review

Jul 07, 2016
daveyp225 Account Holder

Initiated a deposit of more than ten thousand dollars a week ago from my checking account. Nothing in my account as of today. They need to fix the speed at which money is deposited.

more ...

Was this review helpful?


These reviews were written by current and former account holders in the last year.

Mar 12, 2017
Upped my interest rates for no reason.
JasonW1178 Account Holder

I had this card, and back when the economy went bad I ended up keeping a balance.  No late payments and only carrying about a third of the limit, and it was about 2010 they jumped my interest from the low teens to the mid twenties.  I called their customer service and they told me it was because of the downturn in the economy and people not making payments they raised rates to cover their costs.  They also lowered my limit. 

more ...
Feb 25, 2017
ACH & Wire Transfer take abnormally long
bluewater667 Account Holder

Wire transfers are supposed to be same day, this place stretches a Wire Transfer out over days and blames the sending party.

more ...
Feb 24, 2017
Hard to add funds
Anonymous Account Holder

If you need to add funds to your account same day, it's impossible.  You have to wire it or bankd transfer it and that's 3 business days to get through.  While it's easy to withdraw money from ATMs, the same ATMs do not accept deposits. Discover Bank doesn't accept Google Wallet or any of those services.  If you overdraft by even 1 dollar they'll send it back and charge the fee (Most banks would allow it for such a small amount..and charge a fee of course).  This bank is very very unusable.

more ...
Jan 28, 2017
Rusty2017 Account Holder

If you do wire transfer to a CD account, you have to do in when you first set it up; otherwise, you have to mail them a check instead. They never mention this on their website and keep saying you can fund your account later. The processing of your CD and savings accounts are extremely slow. It took more than 3 business days. Their security department is rediculous. Many times when I tried to log onto my account, they kept on saying I had security issues  and kept on giving me security code to log on via my phone. What a waste of my time. This week, they banned my account saying that I had security issues and I forced me to call them up. When I called them, they said I had too many internet activities in a short period of time. By "too many internet activities", they actually meant I set up 3 different CDs with different maturity periods. Obviously, they don't want to do business with me. What kind of security issue is this? When I ask them whether there are people trying to log onto my account using a different IP, the stupid security guy ask me instead "why are you asking this?" Maybe I should have used the F word. So much for internet security. It is a joke.

more ...
Jan 23, 2017
Does not replace physical bank.
D6T Account Holder

I really enjoy the interest rate, but they act like banks did 20 years ago. They float themselves loans of your money so they can trade and invest short-term. If you deposit money, it will take a week to be available to you. If you send money out to another bank, it will take a week to get sent. As long as you use this as a secondary bank, you'll be fine. The customer service is usually great. The website is frequently unavailable. They also love insufficient funds fees by not posting withdrawals by up to a week. In other words, you have to bank the way your grandparents did and keep track of every single purchase because their systems are always 3-5 weekdays behind with transactions.

more ...
Jan 17, 2017
They need to stck to credit cards!
cs1ktech Account Holder

Application process... Tried to sign up for joint checking and savings. During process, found that you cannot get checking and savings account at same time despite the signup page saying you can. Ok, went with the flow, and created joint savings. Went back around and tried to create joint checking account. It said due to technical issues, you can't create a joint checking account and you have to call to accomplish that. OK, sounds OK. Well, not so much. Called after creating checking account and was told that I have to send paperwork in. They know there's a problem, but can't fix it. That, and spelling / grammar errors on three of the signup pages - which I reported.

Deposit availability... Ok, got through the signup process. Made inital deposit - $1000. A week goes by, and still no deposit, though the bank account shows that the ACH hit took the same day as I initiated the transfer. Called customer service. Again, they say they did an upgrade, and are having problems. Literally took a week for the deposit to make it.

Transfers between accounts: After deposit finally showed, figured I'd move some of the inital deposit to Checking from Savings. Nope. No luck. In the accounts dropdown, the only option is "external account" yup, I can pull another week-long wait for money from my other bank account. Cannot xfer from savings to checking. Customer service doesn't know why. Said they had to refer to tech support. We're several days into this, and it's still not fixed. Compared to Discover card online site and Discover card customer service, this is a complete joke.

Will likely just tell them to cut check, and close account. Who knows how long that will take.....

more ...
Dec 14, 2016
Not bad, I've had mediocre experience.
hoodun Account Holder

I have been with Discover for about a decade. They have been good overall. Recently they worked out a deal where I get a year at 12% while I pay off some of the card. The only thing is they froze it. Also, which I was not aware of, the balance lowers as I pay it off, so it hurt my credit score pretty bad always being at 100% utilization. At least they mean well. 

An ok bank. They did help me get started with my credit...

more ...
Dec 06, 2016
Slow, useless, do not do business with t
chocoagogo Account Holder

They will hold your money much longer than standard (to make interest off of it, of course) and process things when it's convenient for them. Website and app are frequently down and customer service reads from a script and is incompetent.   I've had enough and am closing the account -  they  should stick to their credit cards. I  would never recommend them to anyone I liked. 

more ...
Nov 22, 2016
Great Card
Anonymous Account Holder

I love this card because I had to initially use it as a balance transfer card. It allowed 0% on either a transfer or purchases. I chose the transfer and it is working out great. It also has a lower Apr than my other card, so I don't have to worry if I would use it for a purchase instead of my other card.

more ...
Add a Review

Add Your Review

I Own It I Had It I Applied

Please state your experience.

How would you rate this bank overall?

Please select a rating

What should others know about this bank?


How was application process?

How was customer service?

Join the Credit Karma Community

It’s free, and you’ll get tools and info that can help you improve your financial health:

  • Credit scores and reports
  • Credit monitoring
  • Personalized recommendations