Discover Bank Reviews

I have been a Discover card holder since 1988 and they used to be a decent card company. HOWEVER, in 2025 they (a) DISCONTINUED eBILL SERVICES TO ALL BANKS EXCEPT FOR DISCOVER BANK, which negatively impacts my online bill pay through my local bank that I've used for 10+ years, and (b) they require TWO DIFFERENT LOG-IN CREDENTIALS FOR TWO DIFFERENT DISCOVER CARDS unlike ALL other banks (BoA, PNC, Chase, etc.). If you're new to Discover, go somewhere else. ALL THEY NOW WANT TO DO IS SELL YOU ALL THEIR OTHER DISCOVER BANKING PRODUCTS WHETHER YOU WANT THEM OR NOT and most if not all of those are SO UNCOMPETITIVE with other national banks. Stay away from Discover!!!

Do not use or open an account with Discover. They are rude and worthless. Not worth the hassle or time. They refused to work with me and kept using worthless excuses not to close my cd. Don’t even try.

Very bad experience. I feel like they are very unprofessional and liars.. They have fooled me since I opened the account with Zelle request.. After 90 days later they still could not open zelle for tell me I have not met criteria except they don't even know what is & I don't think they even have idea what they are talking about. Too bad.

As of September 30th, 2025 I found out unknowingly that DISCOVER dropped me like a hot potato. I was expecting my direct deposit that day and was told by the inhumane people at DISCOVER they couldn’t tell me why over the phone why my account was CLOSED without any NOTICE AT ALL. I had been a loyal customer for over a year and now I still don’t know where they sent my direct deposit???? I really need to buy groceries and pay my rent. I highly recommend that you DO NOT EVEN CONSIDER DISCOVER ONLINE BANKING TO ANYONE WITH A PULSE.

This is the worst bank experience after having my money there for a few years. I have such a hard time wiring money to an escrow company for my down payment for a house. They couldn’t help me with the wire and now sending a cashier's check by mail. Closing date is postponed because of discover bank not able to do the wire transfer to an escrow company for closing. If you need money to be transferred for down payment or huge expenses you won’t get it from them on time. Run away from this bank and all they say is “sorry for the inconvenience” when they cannot process the money on time. I don’t want anyone to go through what I am going through.

I’ve been a long-time customer, but this recent experience has completely shattered my trust in Discover. I followed their instructions for expedited processing by overnighting money orders (at nearly $70 out-of-pocket) to fund my account. Weeks passed — no confirmation, no updates, and no communication from Discover. Only after I threatened to escalate the issue to senior leadership did someone bother to reach out. The rep even acknowledged that the deposit should have been processed — yet instead, they rejected the money orders and mailed them back to me, with no explanation or apology. This is completely unacceptable for a bank that claims to value its customers. Not only did they waste my time and money, but they also failed to take responsibility or offer any support throughout the process. If you’re looking for a responsive, reliable financial institution — look elsewhere.

My Discover bank account was hacked and numerous fraudulent charges were made within an hour long period to an unknown online casino. Discover bank says I am liable for the charges even though I disputed the charges and provided them with a police report. Online reviews reveal that discover bank is very frequently hacked and that there is no fraud protection with them. I can no longer recommend Discover bank and will be publicly discouraging everyone I know from doing any sort of business with them.

When making additional payments on a personal loan, Discover continues to charge interest after the monthly interest has ALREADY been paid and the account is fully current. They refuse to respond when I asked multiple times why my extra principal payments were not applied completely to principal.

I can’t believe the low rating for Discover Bank. I’ve had their credit card since 2006 and never had an issue. So several years ago I saw a 200 dollar bonus for opening a regular high interest savings account. I decided to give it a try. I was with one of the big and awful banks and was getting next to nothing in interest for any of my accounts and TERRIBLE customer service. So I decided to try the checking account also. I have never been happier with a bank.

Discover is an online bank, and assured me that they can complete all banking transactions and needs online. I have a check that was written to me and my fiancé, and we do not have a joint account. We agreed that I would deposit the check into my account as it was a refund on a security deposit I had paid. Discover Bank rejected the mobile deposit, saying we do not have a joint account and he did not endorse the check. They refused to have him endorse it and send it again via mobile deposit, saying I had to either request a new check and have us both sign or mail it to them as once a check is rejected once on mobile deposit, they will not let you re-submit. They provided no reasoning behind this, just saying it is their "policy."