Discover® Cashback Debit Checking Review
- Fee
- $0 per month
- Minimum deposit to open
- $0
Our verdict
This rewards checking account has no monthly fees and earns 1% cash back on everyday purchases.
The Discover® Cashback Debit checking account has no monthly service fee and no opening deposit. You'll get free access to over 60,000 ATMs and the ability to earn cash back on everyday purchases, making it an easy account to manage your money and save some cash in the process. As a rewards account, you can earn up to $360 per year or $30 a month in cash back, but with 1% cash back, it'll take some work to make the most of it. The bank is now integrated with Zelle for peer-to-peer transactions, with no fees on Discover's end. Just know that Discover is an online bank, so if in-person banking and making cash deposits are important to you, this account may not suit you.
Best for: Big spenders in need of a free rewards checking account.
Pros
-
No monthly service fee or opening deposit
-
1% cash back on everyday purchases
-
0% foreign transaction fee
Cons
-
No cash deposits
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No physical branches
Who is Discover Cashback Debit Checking best for
The Discover Cashback Debit Checking account is best for those looking to earn rewards on everyday purchases. There are no monthly maintenance fees or minimum balance requirements, and you’ll have access to more than 60,000 free ATMs nationwide.
What we like about Discover Cashback Debit Checking
You’ll get access to all the benefits of banking with Discover, including FDIC insurance for up to $250,000, fraud monitoring and liability and bill pay protection. Discover is also integrated with Zelle, allowing you to send or receive funds, fee-free with Discover. However, to use Zelle with the bank, you must have a Discover checking, Discover® Online Savings Account or Discover® Money Market account open for at least 90 days.
Earn cashback rewards on everyday purchases
As the name suggests, the Discover Cashback Debit Checking card gets you 1% cash back on up to $3,000 in debit card purchases each month, with a maximum cashback limit of $360 per year. The rewards are deposited directly into your Discover checking, savings or money market account.
Ineligible purchases for cashback rewards include things like money order purchases, peer-to-peer payments through apps like Apple Pay or Venmo, loan payments or ATM transactions.
Few fees, free checks and a large ATM network
The Discover Cashback Debit Checking account has no monthly minimum balance requirements or service fees. Plus, you won’t pay for incoming wire transfers. While few online checking accounts allow you to write checks, Discover goes a step further and provides free check reorders.
You’ll also get access to Discover’s network of over 60,000 free Allpoint and MoneyPass ATMs. Also, Discover won’t charge you to use more than 415,000 other ATMs across the country — though ATM owners may charge a fee.
Another major plus is the lack of foreign transaction fees. So if you travel internationally a lot, this is a solid account to avoid those pesky fees.
Link accounts for overdraft protection
If you have a Discover savings account or other Discover deposit account, you can link it to the Discover Cashback Debit account for overdraft protection. Discover doesn’t charge overdraft fees or insufficient funds fees, so it’s not necessary, but if you want to make sure your transactions always go through, it’s an option.
The overdraft protection offered by linking accounts can be used to cover transactions like checks, online bill payments and ACH transfers. But it doesn’t apply to ATM, debit card transactions or transfers initiated at Discover. The fact that debit card transactions aren’t covered in the overdraft protection is unusual — most overdraft protection services offered by other banks include debit card transactions, so that’s something to watch out for.
Where it falls short
Compared to other rewards checking accounts, Discover fairs well, allowing users to earn up to $360 per year in cashback rewards. But to make the most of the cashback rewards, you’ll need to be a big spender.
You’ll only earn 1% on up to $3,000 debit card purchases per month, capping out at $360 in earnings per year and $30 a month. There are other rewards checking accounts with higher earning limits and stronger cashback percentages, such as Varo, which earns up to $50 per month in cashback rewards or $600 per year with a cashback rate of 6% — making it easier for you to rack up those earnings.
Also, as an online checking account, you can’t make cash deposits or get in-person customer support with Discover.
Discover Cashback Debit Checking’s fees and access
| Type of fee | Fee details |
|---|---|
Monthly service | $0 |
Opening deposit | $0 |
ATMs |
|
Debit card fees |
|
Overdraft or nonsufficient funds | $0 |
Wire transfers |
|
Other fees |
|
Compare Discover Cashback Debit Checking to other checking accounts
Narrow down top checking accounts by monthly fees, opening deposits and APY. For a closer comparison, select the Compare box next to each provider to see their features side by side.
What is the Finder Score?
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
Customer reviews and ratings
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1.21 out of 5 stars, based on 386 customer reviews |
| Trustpilot score | 1.6 out of 5 stars, based on 280 customer reviews |
| Customer reviews verified as of | 28 February 2025 |
Discover is a well-known bank with over 60 years in business and is the third-largest credit card brand in the US, with over 50 million cardholders, so there’s a decent amount of customer feedback.
Discover has a poor rating with Trustpilot, but has earned an A+ rating with the Better Business Bureau (BBB), which is based on how well it handles customer complaints and its response time. Discover does respond to every BBB complaint promptly and attempts to resolve any issues, and not many banks take the time to do that. Among the customer reviews and complaints, one of the most common threads revolves around issues contacting customer support, but that’s common for online banks. Discover has a few scattered branches, but it primarily operates online.
On the Consumer Financial Protection Bureau (CFPB), Discover has typical complaints with checking accounts, mostly with incidents around bounced checks and fraudulent or unauthorized charges — most of which were promptly resolved.
On Reddit, we see great feedback. Customers report getting free checks, love the high rates on savings, and many praise the cashback rewards on debit and credit cards. The most frequent compliment about Discover is its US-based customer support is great. Many Redditors say the support is great on the phone, and a lot of customers say the credit card support is quick to resolve issues.
Checking account ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
Read the full methodology of how we rate checking accounts.
Your reviews
Bethany Finder
Banking editor
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