Free Checking Account - No Fee Cashback Debit Discover

Open an online checking account with cashback debit today. Earn cash back, enjoy no fees, and experience the freedom of a free checking account. Earn cash back rewards with no fees
Apply for a Discover Cashback Debit account without impacting your credit score.
Apply for a Discover Cashback Debit account without impacting your credit score. Get Startedprev
Fraud protection
A comprehensive set of features and tools to help protect your checking account from fraud.
Digital wallets
Link your debit card with Google Pay™ Google Pay is a trademark of Google LLC., Apple Pay® For a list of compatible Apple Pay devices, see https://support.apple.com/en-us/HT208531. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer. or Samsung Pay™ Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Use only in accordance with law. Samsung Pay is available on select Samsung devices. and earn rewards on qualifying purchases.Learn more
60,000+ fee-free ATMs
Opens modal dialogSome ATMs have limited hours and/or restricted access. You may be charged a fee by the ATM owner if you use an ATM that is not part of our no-fee network. If you encounter any issues using the ATMs displayed on this site, please contact us at 1-800-347-7000.
Easily access the cash from your checking account at stores you already visit. ATM Finder
Add cash to your account
Add cash to your checking account using your contactless debit card at any Walmart in the U.S. — with no fees.
Send money with Zelle®
Use Zelle® to send and receive money from friends and family.
Overdraft Services
Protect your account from overdrafts without worrying about fees.Overdraft Protection will require a second account, which is typically a Money Market or Online Savings Account. Balance+ is a no-fee overdraft coverage that applies to your debit card transactions. It is not available to cover checks, ATM/Cash withdrawals, or other electronic payments, such as Zelle®. Repayment is due immediately. Balance+ is provided at our discretion, and we may decline to cover any debit card transaction, for example, if we suspect the transaction is fraudulent. Please review the agreement as other terms and conditions apply.
Learn more Opens modal dialogSome ATMs have limited hours and/or restricted access. You may be charged a fee by the ATM owner if you use an ATM that is not part of our no-fee network. If you encounter any issues using the ATMs displayed on this site, please contact us at 1-800-347-7000.
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Checking Account & Online Banking Experience Overall NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.
Opens modal dialogComparison conducted by an independent research firm and based on data compiled in June 2025 from company websites, customer service agents, and consumer checking account offers. In some cases, competitors assess and/or waive fees if certain criteria are met. The non-Discover service marks for Chase, BankAmerica Corp., Wells Fargo & Co., Chime Financial, Inc. and Fifth Third Bancorp are owned by each respective entity.
COLLAPSE ALL| | Discover Cashback Debit | Remove Bank Chase® Chase Total Checking® | Remove Bank Bank of America® Advantage Plus® | Remove Bank Wells Fargo® Everyday Checking® | Remove Bank Chime® Chime Banking | Remove Bank Fifth Third® Fifth Third Momentum® Checking | |—|—|—|—|—|—|—| | 1% cash back on up to $3,000 in debit card purchases each month Opens modal dialogEarn 1% cash back on up to $3,000 in debit card purchases each month. See Deposit Account Agreement for details on transaction eligibility, limitations and terms. | Yes | No | No | No | No | No | | Access to over 60,000 NO-FEE ATMs in the U.S. ATM Finder | Yes | No | No | No | Yes | No | | Fee-free overdraft protection transfer service Opens modal dialogSome competitors may have fees regarding excess number of transactions from a savings or money market account that may impact overdraft protection transfer services. | Yes | Yes | Yes | Yes | No | Yes | | Get paid up to 2 days early with Direct Deposit Opens modal dialogEarly Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early. See our Deposit Account Agreement for more information. | Yes | No | No | Yes | Yes | Yes | | Send and receive money with Zelle® | Yes | Yes | Yes | Yes | No | Yes | | Freeze debit card Opens modal dialogWhen you freeze your debit card, Discover will not authorize new purchases, or ATM transactions, with that frozen debit card. Most other account activity will continue as normal, including previously scheduled and recurring transactions, internal and external transfers, deposits, online bill payments from the Discover Account Center, returns, credits, dispute adjustments, reward redemptions, and checks paid. | Yes | Yes | Yes | Yes | Yes | Yes |
Add Bank Opens a dialog box| | Discover Cashback Debit | Remove Bank Chase® Chase Total Checking® | Remove Bank Bank of America® Advantage Plus® | Remove Bank Wells Fargo® Everyday Checking® | Remove Bank Chime® Chime Banking | Remove Bank Fifth Third® Fifth Third Momentum® Checking | |—|—|—|—|—|—|—| | No monthly fee (no balance or activity requirements) Opens modal dialogIn some cases, competitors assess and/or waive fees if certain criteria are met. | Yes | No | No | No | Yes | Yes | | No fee for insufficient funds Opens modal dialogSome competitors may have minimum thresholds before insufficient funds fees are applied and may have a cap on the number of insufficient funds fees charged in a timeframe. | Yes | No | No | No | Yes | No | | No-fee official bank check | Yes | No | No | No | No | No | | No-fee for expedited delivery of your replacement debit card | Yes | No | No | Yes | No | No | | No-fee check reorder | Yes | No | No | No | No | No |
Add Bank Opens a dialog box View All FAQWe do not charge any account-related fees. However, there is a $30 service charge for each outgoing wire transfer from your Discover bank account.
You may earn 1% cash back on up to $3,000 in debit card purchases each month*. That’s up to $360 each year!
*Earn 1% cash back on up to $3,000 in debit card purchases each month. See Deposit Account Agreement for details on transaction eligibility, limitations and terms.
You can deposit funds to your Cashback Debit Account in the following ways:
- Online transfer from an external bank account to your Cashback Debit Account
- Through Direct Deposit
- Deposit a check payable to you with Discover’s Mobile Check Deposit Service using your mobile device.
- Mail a check that is made out to you with your account number on the memo line to: Discover PO Box 30417 Salt Lake City, UT 84130
Early Pay is a free service from Discover that gives you access to funds from qualifying Automated Clearing House (ACH) direct deposits up to two days early and Tax Refunds ACH deposits from IRS up to five days early. Keep in mind that early access depends on when the payment initiator (or “Payor”), typically a business or government entity, sends us information that your deposit is on the way.
Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early (and up to 5 days early for your federal tax refund). See our Deposit Account Agreement for more information.
Yes, your Cashback Debit account is eligible for enrollment in our overdraft protection service. Click here for more information about overdraft protection.
Apply for a Discover Cashback Debit account without impacting your credit score. Ready to get started? Apply for a Discover Cashback Debit account without impacting your credit score. Get StartedGet Started
FAQ
How do I get my $100 referral from Chime?
Hi there! To get SpotMe back you’ll need a qualifying direct deposit of $200 or more every 34 days. This deposit must be from your job, payroll service, gig work, or benefits provider, by Automated Clearing House (ACH) deposit or Original Credit Transaction (OCT).Jun 15, 2024
How do you get $500 from Chime?
We currently offer a referral bonus every time you refer someone new to Chime using your referral link, and they receive a single qualifying direct deposit of $200 or more!* Your friend must enroll and receive a single qualifying direct deposit of $200.00 or more within 45 days of opening their new account.
How do you get $500 from Chime?
We currently offer a referral bonus every time you refer someone new to Chime using your referral link, and they receive a single qualifying direct deposit of $200 or more!* Your friend must enroll and receive a single qualifying direct deposit of $200.00 or more within 45 days of opening their new account.
What is a Rake Chase?
What is a Rake Chase? Rake chases are poker promotions which are incentives for players to rake more and reward them generously for that. In contrary to a rake race, you don’t compete against other players , but instead chase your own individual targets. In order to hit the points targets you need to play a certain amount of poker hands or tournaments for real money. As soon as you hit the points requirement, you have secured yourself the amount of money, which was preset for the respective level.
How to Download WSOP NV
How to Download WSOP NV 1. Visit the WSOP site 2. Locate the download link and click on it 3. When the download completes, run the installation on your device 4. When the installation completes, you can log in with your existing account or register if you do not already have one 5. Make a deposit via the mobile interface to fund your account 6. You will have access to all tournaments and cash games available via the desktop software
Who invented the game of roulette?
Who invented the game of roulette? The exact origins of roulette are a subject of much debate and speculation among historians and gambling enthusiasts. While there is no clear consensus on the game’s inventor, several theories exist regarding its creation. One of the most popular theories is that the game was invented by a French mathematician named Blaise Pascal in the 17th century. According to this theory, Pascal was attempting to develop a perpetual motion machine when he inadvertently created the roulette wheel.
What is the future of the game of roulette?
What is the future of the game of roulette? One potential future for roulette is the integration of virtual and augmented reality technologies. This would allow players to immerse themselves in a virtual casino environment and enjoy a more realistic and engaging gaming experience. Another potential future for roulette is the continued growth of online gaming. As more and more people turn to the internet for their gaming needs, online casinos are likely to become even more popular.
Find out how to refer your friends and family to Chime to earn cash and rewards. Maximize your rewards with Chime’s referral program
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