Discover Bank Reviews

I opened account recently with Discover Bank, as their savings account returns are good. They allowed me to deposit money and to transfer money out it is not working. All it states is try again later. Contacted 5 people so far and they don't know what the issue is. I give 1 star for this bank. generally I don't leave any feedback, but it is so frustrating. Just want to warn others before they chose this bank.

I've been with this bank for a little over 3 months and it's been the worst bank I've been with. My tap works when it wants to. Got the card replaced and still does the same thing. 12/09/2023 they were doing maintenance and I had 0 access to do anything. Zelle was not available and when I called in they advised me they can't see anything and could not access my account. I like the fact that I get paid early, but other than that I would not recommend this bank to anyone. Everything needs to be verified and it's a pain. I will going back to my old bank.

The company withdrew funds for my Discover card account on 12/5 then withdrew more funds on the same day for a total of $109. I signed an agreement to pay $45 for 6 mo. then $37 after that. So, what do they do... keep what is technically due, $64, instead of the contract amount of $45. This company just screwed me out of $19. Don't ever trust a credit card company! ever! This company refunded the $45, but that is not the main complaint. My main issue is "Don't steal from me!" Don't waste your time and effort on this company, they just might steal out of your pocket, too.

My Checking account was hacked back in August. Updated my info on Discover card with a new checking account. They "decide" to cancel the autopay that I have set up for years without my knowledge. They never informed us and then they sent our info to the credit bureaus for late payments. Ridiculous! If you acknowledge cancelling someone’s auto pay without informing them that is a deceitful practice. All this time we thought the payments were up to date. 60 days later come to find out that my credit score dropped over 100 points because of Discover card's fraudulent activity. Do not work with this company.

Discover promised to give bonus $150 if I put $15,000 to my saving for a month. I put for 2 months, but discover did not give me the bonus. I was all out selling investments and borrowed money from my neighbors so that I can join the promotion. When I called, all the bankers gave different answers, round and round in order not to pay the bonus. I was stupid I trust this bank, since I got the feeling that they are all liars. Discover use the promotion to pay for its debt, using poor and stupid customer like me as a tool to cover its debt. Never ever join this bank, very tricky and manipulative.

I've been a loyal customer for over 10 plus years and I never thought I would run into any issues until recently I made a purchase from Saks and uploaded proof of delivery instructions and business hours. All details was confirmed but not followed. The package was stolen and Discover refused to investigate and hold them accountable. Now I'm stuck with the balance and no item. This is the worst credit card company in the world. They don't have your back and don't care at all. Lesson learned.

Discover has no intention in providing the consumer/customer any assistance when needed. They are only looking after their own best interest which is just profiting off others' misfortunes. Corporate fraud...disgusting.

No one wants Discover CC in Europe and few have ever heard of it. With the monthly ever changing cash back benefits rings as a scam. Your local Credit Union will beat them any time. Discover Bank? Who cares.

This card is cumbersome to activate for use. Takes ADDITIONAL 2 to 3 weeks AFTER receiving approved card for EXTENDED verification of personal info. Card is NOT good for use until done. Don't need it!!

I applied for a cashback Discover card and was instantly approved online. I created my account, signed all of the necessary documents, and was given a digital version to use immediately, so I attached the card to my PayPal and Amazon accounts. A few days later, when I went to use the card, it was declined, I contacted them and was told that I had to give them full access to my IRS records before I could use the card. For a 500$ credit limit?!? What a joke. I guess they ultimately did me a favor. Don't waste your time with this company..

They close my account more than 1 year ago. I still waiting for the $ was in my account. Thanks to this bank my health it's bad. I am at the hospital 4 months ago and they can't said when they going to send me funds.

Lack empathy and support for unique situation that present from a domestic violence victim standpoint. They only follow specific guidelines and if you don't fit the guide you can't get a bank acct. When you have to live in a constant state of fear due to your hx of violence received. I don't think you would want to put your real address out there. You don't want to expose yourself and lead your abuser to come and find you. Yes, cyber risk is possible. I think Discover and the Federal Bank Regulation Administration should consider making some changes reference to these unique situations with victims of violence. Not all people that do not present a real address but only a PO box are not money laundering.

I am reaching out to you as I have some serious complaints against Discover Bank. (a) I had a Discover CD account with Discover bank. (b) This CD matured on Aug 21 and I had placed phone instructions to close my CD and move funds to a savings account sometime in early August via phone call. (c) I noticed in September and saw the account was not closed so wanted to close the CD. I called discover bank to check if they can locate my maturity instructions and they said it will take them few days to do so. I also asked if I closed the account that day on Sept 14, I would incur an early withdrawal penalty of $24. Even if I waited few more days for the decision to come through, the early withdrawal penalty would be few more cents only. They said they would call me on Tue.

Have been extremely disappointed with Discover. I have never missed one single payment with them. On time over 2 years. I added a big charge on a mechanical repair that was unavoidable. I made payment arrangements with them monthly for a specified amount, and paid more than what we agreed to. They in turn did not keep their agreement. Be wary of Discover. They will reel you in and then cheat you. Posting.

Getting your money out when you need it is a most basic function of a bank. Discover bank makes it incredibly difficult if not impossible. They limit how much money they release perhaps because they are short of cash. I’m out as soon as I can be. Their lack of physical branches is an epic failure. 5 phone people and a full hour and they still could not identify why atm access is failing. Pathetic.

Please do not waste your time with this bank. They have vindictive customer service reps who will get back at you by sending your card to fraud suspect. I have American Express, Citi bank, Capital One, Wells Fargo, Bank of America experiences and none like this Discover card. They treat you like a criminal to have their card. They ask me to send a picture of me and a copy of my Driver's license. If I don't send it in to them they threatened to close the account. They can close it because I have not had to do this with any other bank I have applied for a credit card online. Totally a racist bank practice.

I viewed my account online and saw that some unknown party stole over one hundred thousand out of my online savings account. No one appears concerned. This was my liquid money to live on. All this money is gone. They just let a criminal via ACH online transfer access my account and take my money. They just transferred my money out to some bank I never heard of to a stranger? They are unable to provide a statement for the Police? Beware, your money is not safe there.

Received an unsolicited offer from Discover 5% Rewards Cash Back w/0% Interest for 15 months. Within 45 min after receiving online approval, I discovered a 3% balance transfer fee, I called customer service and requested a stop to the transfer. Discover said they couldn’t do that YET BECAUSE IT WAS A NEW ACCOUNT. Called back in 3 days said they still couldn’t do it because I wasn’t in their system. 7 Days later, they went through with what I asked them not to do. Cost me $120.00 and I cut up the card, paid them and full and bow to haunt them with negative reviews until the day I die… SCUMBAGSOBS!!! From a US Marine

Discover Card is the least customer friendly and least customer focused company I have ever dealt with in 70 years. If you expect to be treated as anything other than a criminal, run from Discover as fast as you can. How Discover has managed to remain in business is beyond comprehension. Go elsewhere as fast as you can! After Discover solicits your business, they treat you as a criminal and demand all kinds of documentation to prove who you are a month after they issue you a credit card. They never have a supervisor available to deal with their canned response, abusive call center representatives. If you are an embezzler or a convict, Discover is the card for you.

The worst bank I’ve ever seen. If you plan to open an account with this bank, first read this: 3 months ago I ordered a credit card from the Discovery Bank, and I was interested in the fact that they quickly approve the credit limit, the card quickly approved me, delivered in 14 days, but I could only use it for one month. Then I got a message that I had to confirm my identity with a notary within two weeks, or they’d block my account. I got technical support and tried to explain the situation that I work 6 days a week and I do not physically have time to find a notary (Generally with such a request from the bank in the first).

I had the Discover card for over a year and a half (unsecured) and despite NEVER maxing out let alone going near the limit, paying the balance off early each month, and keeping my debt: limit ratio under 30%, THEY CLOSED MY ACCOUNT! It was completely unexpected therefor I contacted them immediately asking what happened.

The worse worse banking company ever!!! 100 interest!! A month when you are paying your credit line is excellent and raise your credit line when you didn’t ask them to!!! But charge absolutely insane rate!! HATE HATE DISCOVER!!! And fake advertising about your card being accepted everywhere!! They refused it in France, they refused it in Japan!! Awful and customer service is despicable! Never ever again.

Made an online purchase and merchant had put down wrong bill to address. Item was shipped to unknown location that was the same address they put wrong as billing address and never received product. Discover 4 month dispute denied.

I have been banking with Discover Bank for over a month now, and honestly it's been a pleasant experience so far. Customer care is really helpful and very nice to speak to when I need to call in, the mobile is well-organized, and beautifully designed as well. The checking and savings accounts are FANTASTIC! No fees at all and they offer so many products and great features for everyone. I have not encountered any issues this far, and don't see me having any issues in the future. Discover Bank has been absolutely phenomenal to bank with and I would highly recommend them.

I took out a Discover Card in mid-May, 2023 to transfer a $4,000 Credit Care balance so that I wouldn't have to incur 27% interest on the full Care Credit balance of $11,000. I have until July 15, 2023 to pay Care Credit or else I get hit with this hefty rate. When I submitted the balance transfer through Discover around May 20, I gave them the wrong credit card number because for some reason Care Credit issued me two, but I didn't know that. I received an email from Discover on May 31, 2023 that the balance transfer was complete. I decided to check my Care Credit account and guess what? There's still a balance!

Account Frozen due to an error on their end. Bill payment submitted for ConEd was mailed to my home instead of the business. When I called to ask what I should do, they froze my account with the reason "cannot verify identity". I was transferred to the fraud department, where I was asked to upload documentation. I explained this put me in a tough spot, I was asked to call an hour after upload. A day later, the account is still frozen bc there is an issue with my enhanced driver license issued 2 years ago and no additional explanation other than, one must wait a minimum of 2 days for the coach to review it.

I used to trust this company, though I never had many issues to show they would take care of the customer. I've been fighting with them for six months to dispute a charge for a Kirby. Originally they refunded me until Kirby finally came to pick up the item (five months after I requested them to) and they recharged me. Now for four months, I have been asking them to refund me since I no longer have the merchandise. They only will if Kirby authorizes it, doesn't that define why I need the dispute? This goes against the FTC's cooling-off rule. The company has their equipment and their money and Discover did everything they could to help them out. I can't wait to cancel this card after 15 years of business. You simply can't trust they will follow the rules. I will be submitting Discover to FTC.

I applied and was granted a Discover Card. I Called in when I got it to verify receipt and then proceeded a week later to do a balance transfer. The gal on the phone said it was all taken care of. A week or so later I get a letter that says we need more information from you. This is AFTER they issued and sent me my card. I thought that was strange but gave my SSN as it said they needed to request my Tax Returns for the last two years. So I complied. Another week goes by and now they want me to take pictures on my cell phone and take a snapshot of my License and send it to the link they provided. So I did that. Once again... Why was all this AFTER being approved and getting my Card to use?

I just created an account so I could review this experience. I got a credit card with Discover to get two promotions, balance transfers and purchases (0%APR 18 months/6 months). Is a mess. So, there is no way to control where do you want your payments to go. Every time I ask for clarification the responses are scripted and vague, creating a lot of confusion. I am trying to pay off my purchase balance and I was asking the agent how much I would have to pay to pay it off. She responded that she was not able to provide an official quote. I ask to speak to the supervisor and she apologize saying some of the information provided by the agent was "INACCURATE"! And she further clarified that any amount above the minimum will go to the APR that expires first. HOWEVER, when ask about how much I had to pay in order to pay off my balance she said the same thing, that she was not able to provide an official amount!!?? WHAT!!! Who then!????

This Company pretends to be a good Company, However in my experience they are not, they violated my Consumer Protection Rights by calling me 13X's day over a late payment, when I filed a complaint with the CPB, some rude man from Discover was all over it, stating to me that they had not called when I pulled up my call logs from my cell phone provider, he said to me "they could have been "spoof calls" **!

On my discover card I have pending charges, they are already posted and still in the total of pending and on the total of paid charges. They are not updating the payments correct, they are not updating anything correct.

AVOID DISCOVER BANK ACCOUNTS. Somebody posed as me and fooled Discover into doing a wire transfer into their Chase bank account to the tune of $12,300. They did a SIM card swap/phone takeover and I had no control over my phone because this jerk took over all access...nobody could reach me because the calls all went to him. Even when the police officer called my number, this jerk was still answering! Since the call came from a known device/number they said they did nothing wrong and will not be returning my money.

A decade ago I lost my job and couldn't pay my bill. So Discover send the hound dogs. WELL, a decade later because the collection agency didn't collect all the money they are filing a new judgment. Mastercard and Visa wrote off the balance of the debt. I had always paid my bills but hit a hard patch. I now have a credit score over 800 and plenty of available credit because I paid all bills in full every month. The letter from their collector was sent to my ex-husbands address and I wouldn't have got it if he hadn't forwarded it to me. Never again Discover! I have plenty of credit without you.

I had a Discover IRA CD mature Last July. Discover Bank sent a check to my IRA stock account, so I bought 4 different stocks with this money. The Discover check then bounced. I contacted Discover Bank numerous times over the next few weeks to no avail. My stock account after 2 weeks was then required by federal regulations to liquify these stocks and not allow me to make any other stock purchases for a number of weeks. After this, Discover finally sent a replacement check. I also had to work with our state’s Attorney General for Discover Bank to reimburse me for the extra expenses their bounce check cost me. I would never again use Discover Bank!

Applied for Discover it credit card. Approved for 8K line of credit and 4K interest free 18 month balance transfer accepted. Paid transfer free used card a couple of times over 2 months. Suddenly I receive a notice that I must fill out some detailed form and have it notarized to verify my identity. They suddenly decide they don't know who I am after they approved the line of credit. Really stupid, that is a requirement that I refused to comply with since I have had a good credit rating over 20 years and if you don't know who I am you should do that during the application process. They closed the account which is fine, I now have 16 months to pay off the balance transfer interest free. Do not recommend Discover card, very stupid company.

Worst card to use for Balance Transfers. If you have balance transfers with different expiration dates, any payment over the minimum payment will be applied to the transfer that has the latest expiration date. Not the earliest expiration date. This of course does not allow you to pay off a transfer before expiration date. This allows Discover to then charge the full interest on amount of older transfer. I wanted to pay my oldest transfer off, but was told only 116.00 of my payment would go to the oldest transfer, and the rest would be applied to the transfer that expires in 2024.

Beginning in 2023 I applied for Discover credit card. While in the process I discovered that they had put a fraudulent claim on my application for false information. I had to report them to CFPB. They did respond by sending me out a new card account. Lo and behold when I tried to use it for an purchase 160.00 online order the card was declined that informed me that they was monitoring the cards transaction. I never seen a big company stoop so low???? Beware of any credit line or Banking with this Bank.

I had a situation where my wife lost her job so my wife and I naturally needed to look at our finances and reduce spending where possible. We looked at the Discover bill and saw a lot of excessive activity from Doordash we knew nothing about. Our daughter had used the card some in the past but she stopped using it when she had been told the card would be deactivated. It occurred to us our account information my have been stolen. We went on the discover web site and initiated a freeze on our account. We received an email from Discover confirming that the account was frozen.

When I first opened a bank account with Discover, I was hoping to get the best due to their ratings with their credit card agency. Unfortunately, the account was far from excellent. I have used the debit card maybe 9-10 times. Of those uses, roughly 5 of them caused my account to freeze. These are normal transactions. After many calls and complaints, the bank keeps freezing my account on almost every use. Today, I received an email stating there was an issue with my account, again. I called the number and was transferred three times to varying personnel only to be told that Discover closed my account due to a company decision. No other reason was given, it was just arbitrarily closed.

Credit Karma said I had an outstanding approval to receive this card. My fico score is 729 and I thought this would help my score by adding another card. I have a very good salary and low rent to say the least. I was denied for some unknown reason and because of it my fico score was dropped by 7 points. I would not recommend applying for this card as it is not what Credit Karma says it is. I was hoodwinked. Will never consider this company ever again. By the way I have 100% record of payment on all cards, loans, cars and harley motorcycle in which all but two cards have 0 balance. This is with 10 year history. Think hard before you apply.

I have been a loyal Discover card account holder for many years with no issues. All of a sudden I received a call that they need access to my Irs document to maintain my security. If they don't receive the authorization to get them they would close my account. So in order to secure my identity I had to give Discover, Experion and some online signing company access to more of my information. So I called to cancel the card and the customer service representative didn't even care about it...

I had to close my CD account because I needed funds to take care of my parents who moved here from the Ukraine. Because of the war, they lost access to their pensions - they are just unable to access their accounts. They are in their 70s and don't speak English, so they cannot work here in the US. I asked Discover to waive the early withdrawal penalty for my account closure - they refused. I have been with Discover for a long time and always had great experience with them. This will definitely turn me away.

Don't expect Discover to have your back like your local bank does. I've never had a problem with fraud charges not being removed until I started using this card. The dispute I filed should've been an open and shut case with the proof I sent, but instead they marked it as a valid charge and added it back to my statement.

Discover has held onto my money on multiple occasions saying they are experiencing a “delay” in their transfer services (or whatever the problem is), so in the most recent case, a wire that was supposed to go out in one day has taken 4+ days and they will not give me any helpful or valid answers. They play the same old games with holding funds as long as they can, lying about the reasons for delays, and waiting until payments post first before releasing deposits so they can charge fees. Their customer service is not helpful at all. If you are working w/ large amounts, go elsewhere.

Transferred funds from my primary bank to my Discover savings. Transfer was completed, but my savings was never credited. Requested dispute and funds were credited back to my other bank. Discover then debited my savings even though they never credited the account, so they took funds out that were never put in. Had to request another dispute. Was told my acct was frozen at the time of the transfer, the transferred funds were in an ACH (Automated Clearing House) and I'd have to wait up to 10-days for their decision. If they can't find the error in 10-days, they may take another 45-days. In conclusion, Discover Bank sucks!

My mother has had a CD with Discover Bank for 2 years. It became mature on October 17, 2022. As I hold Power of Attorney, I decided to cash in the CD for her care costs. I wrote a letter to Discover, I filled out all the forms correctly, I obtained a note from her doctor saying she cannot handle her own finances, and a copy of the Power of Attorney. I mailed all this through the USPS with tracking. Meantime the CD matured and was rolled over for another 2 years. I mailed the documents well before that date.

Since July 2022, I have been attempting to get my Custodial Account individualized. I have called at least 8 times. Wasted numerous hours attempting to upload documents....and always something missing. Continual apologies with absolutely no follow-up unless you call. When you reach customer service all you get is scripted apologies and excuses! DO NOT BANK WITH THIS COMPANY!

Decided to open a high yielding savings account. Completed forms online, had $6000 dollars transferred to account. Next day get confirmation of account and money in it. The very next day (day 2 of having account) I was suddenly informed due to fraudulent activity on my account it was frozen. They will not disclose any information on how on earth you have fraudulent activity on a savings account. Only been informed my account is frozen/closed and my $6000 is theirs for 2 months!! I have to wait 2 months before they will give me my money back for an account less than 48 hrs old. What a joke!! Don't waste your time or money on Discover!

I opened the savings account using the online form at discover.com. After submitting application I was asked to upload documents to verify my identity using notarized identity verification form. I filled in the information using my US passport and got it notarized. I uploaded that information along the picture of my driving license on 9/9/2022. I did a initial deposit of $$$. Discover then locked my account and asked me to call them. I called them and they said my account is now "under review and their is no timeframe to complete the review". I have called them several times go the same answer "account is under review and their no timeframe". The bank is allowing me to deposit the money but not allowing me to withdraw.

So I opened up a savings account with Discover that I had heard so many so-called great things about them. I was trying to get away from my other crappy Bank First National Convenience Bank of Texas due to financial issues with them and was recommended discover. Just to have them close it 3 days later with no explanation to why what happened. Told me it is a business decision and that I would have to wait 60 days to receive my money in a paper check.

Do you enjoy listening to "hold" music for hours? (Maybe weeks) Do you yearn to talk to someone from Salt Lake, UT? Do you like surprise account freeze so you can't bank anymore? (Even after 30 days after opening it) Do you enjoy repeatedly explaining your issue to many different people? (People from Salt lake) Then my friend this is a bank for you. You won't be disappointed. There is no other like it. Take it from my experience.

When opening an account with Discover, if you work at a place that only does checks, just go with a place that has in-person services. Because they will hold your money for over a week and screw you over.

Opened a checking account with discover in May and deposited my government paycheck at the end of the month, Discover (being the crooks they are) claimed the check was fraud and totally seized my funds and closed my account. I lost all my money and they refuse to give it back. Do yourself a favor and stay far away from this sham of a company, if you have to bury your money in the back yard then that's better than banking with discover! I've been fighting with them for 3 weeks now with no resolution, I don't understand how it's legal to take someone's money without any probable cause. I also don't understand how they are still in business, they are 100% involved in organized crime. Why else would they take people money away? These people are total crooks and they deserved to be sued and shut down.

Systems from the 90s - Discovery is a complete joke. I have both credit card and Student Loans, and they have all my information. I tried to open a savings account, and first, I can't use my Credit Card account, which is already insane. Then, I fill up everything (all information is correct, I've submitted multiple applications and checked it all several times), yet Discover will always prompt me to call them to "finish this together". I've spent over an hour in calls, and customer service is unable to figure out why my application didn't go through. They've cross checked all sorts of information and wasted my time on several occasions, and still didn't manage to make it work. What a joke.

Very bad experience with Discover. Yesterday I made a wire transfer request and discover told me they would call me in 24 hours, if they need additional information from my side. So I was standing by all day long. Today I called them to check the transfer status, discover told me they need my confirmation to process the transfer, but nobody contact me while I was waitting for their call!! And the wire transfer is just paused there!!! The worst part is today I discussed with the representative if they can do something to speed up since we already waste a whole day, she just left me on the line for almost one hour without any response!!! Seems like discover do not take their customer seriously, the way they treat customer is rude and irresponsible!!

I bank with this company and I have the most onerous and frustrating experience ever. I had to pay money to a government country department and due to time sensitivity, I was only given 3 business days to process the payment. At the time being, I was unaware of wire transfer which can deposit money almost instantly or same day but I didn’t know that so I elected to try a cashiers check option first which turned out to have not been able to make it on time anyway. Long story short, I asked the bank to cancel my cashier's check and was advised to send it with the word VOID written across. I then proceeded to upload the check back to the bank system for evidentiary purposes that the check indeed did not get deposited and I ought to receive the funds back to my account. The VOIDED check image was received on Monday and I was told that it will only be a couple of days before posted without anyone gave me more clarification since.

I left my bank of 30 years last week to give Discover a try because they had a bonus going on and had good interest rates for their savings acct. Well it has been a week of hell consisting of at least 15 contacts with the company and their workers to fix a problem they created. I also had to call, email and chat w my current bank to inform them to protect me Discovers' predatory practices.....

For an int. Transfer of 400USD I was expected to pay 150 USD for taxes, overtaxes, security etc. At the first contact it was requested to open an account at offgamers and deposit 50USD which would be refunded. I did but got not my money. You have to pay now 100USD for taxes and overtaxes. What? For an online transfer? What a bad joke! Just a rip off - strongly NOT recommended!

I have had a Discover bank online account for several years. They have one of the highest interest rates for savings accounts and cds. Their customer service dept. is very responsive, helpful and courteous. They also keep me up to date on my accounts via email or regular mail. I would highly recommend them!

Location of the bank is convenient. Employees are very friendly & Courteous. The bank is very clean, and the management is superb. I recommend this bank highly to everyone wishing to do all kinds of financial transactions..

I was skeptical about opening an online bank account, not knowing if they were safe. However there was a really good promotion to open an account so I decided to give it a try. I absolutely love Discover Bank. While interest rates are not as high as they were when I opened my account I still like the bank and highly recommend them.

I have a CD coming to maturity and so when I tried to log in to my account, I couldn't because my phone number had changed. I was instructed to call the bank and when I did, they told me I had to send a copy of my driver's license and social security card! Really?? I have accounts with other online banks and Discover Bank is the only one that has put me through such time consuming measures and outrageous procedures! My account is still frozen and they won't let me give instructions for what I want to do with MY CD!

I have been banking with Discover bank saving account for 10 years. I moved and changed my address today. Discover sent me an email indicating they will send confirmation to both old and new address. Why would they send a letter to my old address with someone else living there? Aren't they supposed to protect my privacy and security? By sending address change letter details to my old address they are putting my privacy and security at risk. Other banks don't do that so why does discover bank have this outdated protocol. Called their customer service and they said it's system generated and they have no control over it. Horrible/worst decision to bank with these outdated online banks. Run aways from these banks who put person’s identity and security at risk by sending mails to an old address. Going to remove my funds from this bank shortly and take my business elsewhere where my privacy and security are safeguarded.

I find myself often getting riled up when I run across a terrible company, but rarely share the same exuberance when I find a gem. Discover's online bank is one of those gems. I opened an account about a year ago, and cannot be more pleased. Their high interest savings account is just that, maintaining interest rates far above the average 160x higher than the savings account I used to have. The checking account, while not interest bearing, is efficient and I have yet to incur ANY fee. Not one fee! I get 1% cashback every month like clock work simply for using the debit card. Needless to say, I pay every bill with the Discover debit card. The website is clean, efficient and easy to navigate. And if you do have a question, I challenge you to call them and be disappointed. Kudos to Discover and I recommend them to anyone that does not need to visit a brick and mortar bank.

Worst customer service so far. Waited on hold for over 3 hours to speak to an human after being hung up on TWICE. Was told sorry for the inconvenience! 3 hours of my life after a long day at work is MORE than an inconvenience after someone tries to wipe out your life's savings! How is it 24/7 customer service if they aren't there to speak to you when a criminal is actively taking money out of your account!! Sorry isn't good enough when your life's savings are at risk.

Discover Bank pays 100 times the interest paid by Chase on Savings Accounts! While Discover is by no stretch of the imagination as large or as internationally experienced as Chase they more than make up for it with Customer Service. You might have to be a little insistent, but unlike almost all organizations, Discover will come through and solve issues. This is HUGE. I had an issue with a wire. After 2 or 3 calls Discover fully stood behind me and solved the issue.

Discover lured me into opening a savings account in addition to my card account, savings account got hacked within days, picking up 8K from my account by phony transfers. They gave me money back but it was awful experience, knowing the fact that Discover did not even know the account was hacked, I noticed it through App. I would give them zero stars.

I was attempting to pay financial bills and was receiving payment not authorized, when I call the bank they stated maintenance being performed. When I asked for next-level support I was given a song and dance, after several requests the cs rep provided me next-level support who stated they were sorry and offered no resolution. Very poor service.

Discover has policy and procedures dated 1950's. They seem to send me refund check on Sep 3rd-with no tracking. 2 weeks later I call them, told to wait entire month to see if I get a check. Called on Oct 3rd again, they say the process will start again- take 20 days to put stop payment on old cheque-SERIOUSLY? And they will send again in normal mail. Call back after month- they said they dont know when check will be sent out. Wait another week and we will start process again SERIOUSLY?? There is no escalation authority beyond supervisors who just keeps chanting same thing over and over. If Discover can't manage customer's cash, they should take it.

I have not received any statement from them after June 2019 (today is October 04). I need September a bank statement to prove to my mortgage company that I have sufficient funds in my account. I am calling almost every day and I sent an email yesterday evening. What I am getting is just promise that the statement will be available, but nothing moves. I think they are deliberating doing this to me as they are now aware that I am not going to use that money elsewhere. So they want my mortgage to fall through so that they can keep my money!

This company is terrible. They took an extra $10K out of our account their mistake and then took 2 weeks to return it and that was after many phone calls. They are a ripoff. This money was done by an ACH transaction even though we had written a hard copy check. It came out of an interest bearing account so it cost us while they used our money to make money. My wife and I both had separate accounts since the 1990s which have been cancelled by us. Do not recommend unless you want a lot of heartache and aggravation if they make mistake. They can take a payment out in 24 hours of receiving a payment but it takes them the best part of 2 weeks to refund their error. My opinion they ripped us off big time and will anyone else if they get the chance!

I recently opened an online banking account because of the interest rates. I was nervous at first about leaving the brick and mortar bank but after research decided it was safe as my funds are insured. Really glad I did it now!

I've been using Discover Bank for over 5-6 years. Even though they discontinued the cashback program for bill payments, they still offer a solid choice among online banks. Good customer service, easy transfers between internal and external accounts, nice website layout. The only slight minus is the frequency the site is down for maintenance, usually 1-2 times a month.

Discover Bank offers excellent interest rates. Customer service is very good and any issue is resolved very quickly. I have been banking with them for about 6 years and would not consider going elsewhere.

The interest rates are very competitive. The website is easy to use. Customer service via telephone is also very efficient. Communication from the bank is easy to understand. Closed accounts are paid quickly.

I became interested after being sent a promotional letter offering $500 to deposit $15,000 and leaving it in the account for no less than one year. Along with the incentive of $500, the interest offered was 2.10% which has gone up since then. That is over 10 times more than a savings account and is doing better than a few of my long term investments. Discover is very reputable and their communications and customer service is great.

I think Discover Online is a great banking institution with great rates on their savings and CD accounts. I have transferred money back and forth to another institution and it is always timely. The few times that I have needed/used customer service, I spoke with an actual human, which was great! Reps were very professional and my issue was resolved. I hate giving a five rating because I believe there is always room for improvement, but Discover is pretty darn close to perfect for my needs. I have already referred other people. Also you can establish an online beneficiary!!

Seamless banking. Excellent web portal. Competitive interest rates. I've been using Discover for a few years now and have had an excellent experience so far. It would be good to have an app as well, which I believe is not currently available to be able to conduct mobile banking.

Remotely deposit checks, transfer funds from / to my local bank. Decent interest rate. Whenever I've had to call to talk with someone, they're always in the US somewhere, very helpful, and easy to understand.

They all have their pluses and minuses. The overall best comes from Discover Bank and Synchrony Bank. Discover provided me with a debit card, a checkbook, CD's and a money market. The customer service is top-notch and the interest rates are some of the best along with the rewards.

I signed up for the cash-back checking because who doesn't want cash back? Also, only positive experiences with Discover credit. I switched my direct to this Bank, but of course it takes a few pay periods to kick in. The first of the month rolls around and I stupidly decide to write my rent check from my Discover account thinking that I could just easily deposit my paycheck. I go to deposit my check and getting message that most of the funds will be held for a week and a half. No thanks. So I deposited my check into my other checking account figuring that I could just transfer the money over to cover the checks. Well, I had no luck with that either. I couldn't register the account with PayPal. Couldn't register the card with Google pay. I called discover about this, and was told that the companies were trying to make withdrawals which were rejected by the bank because there was no money in the account.

I was looking to open a savings account with a reputable bank, good interest rate and phone app. I found Discover had a $200 bonus, clicked their link and read I had to deposit $25k by a certain date in order to get the bonus. I must have missed entering the promotional code somewhere - could be my mistake but that is not my complaint. After my acct was opened, before I deposited my money, I called in to make sure I would get the $200 bonus and the rep ensure me my account would be all set and I would definitely get the $200 bonus because they know my acct would qualify for it.

I was very happy for MANY years, but when I opened a checking account OMG!!! It's a different department and it's NOT wonderful! Nothing is done like any other bank in the entire world. Their rules and regulations are created to an excessive extreme. I feel like I've been through the ringer with the CIA. They send Emails that sound like the next step will be easy, BUT they NEVER address the reason why you contacted them in the first place & don't explain what steps you have to go through & all the INTENSE security hoops they make you and your co-signer to jump through and then having to go through their "Security dept" and then after being tortured by that department, they transfer you to ANOTHER department to go through most of the same questions. The intensity is WRONG!!!

Every single time I have called them they answer in under 2 minutes. They are very professional and helpful. I have switched to Discover for all my banking and have not had to pay any fees in years! Not to mention they have some of the highest interest rates on savings accounts and cash back on debit card purchases. They really go above and beyond for the customers.

After several years of only minor problems and good service, they've turned into liars and cheats. They just tack on balances $$$ with no explanation at all. Try to hide it behind unnecessary steps, and they stopped posting account balance with each transaction. Online CS is a waste of time. They try to delay or lose your payments IF YOU MAIL THEM IN. I think their system was HACKED but they're still trying to operate with damage data. Often their computers go down and doesn't show them your account details. CS will fake it on the phone.

I keep making payments on phone and on their website but they always come back and say "it's rejected". Truth is they never send the payment to bank. I inquired and bank told me they haven't received any transaction by Discover!!! Sucks Big time! Takes my time energy and of course mess my life.

I have had an account with Discover for some time. Today I tried to transfer money. Their website didn't work. They shifted me first to a tech advisor, then finally to a supervisor. After 40 minutes, we got it to work - sort of. But I couldn't transfer funds! They sent in a trial deposit! I will have to wait to transfer funds, but now want to get them all out of Discover. Find another place!

My Dad passed owing this company $800. He had paid $7,200 off. The account got passed on to the estate collections agency. I received a call 2 weeks ago, a call last week, a call this week, a Creditor's Claim letter and a letter saying that they would give me a "hardship reduction" if I pay by the end of October. The woman who has been calling demanded payment. She said they'd give me a short amount of time to pay them $405. Then the offer would expire. I explained to her that there is very little money. I need it to pay for the administration of the trust. The only other asset is the house. I'm living in it. SO, what do they expect? That I sell the house right out from under myself just to pay them? I do not appreciate being hammered on by someone else's bill collector or threatened either. MOST OF THE OTHER COMPANIES are writing the debt off. Cut throat Discover.

I received a check from Discover which was returned to my bank in the amount of 7500, which has cost me extra fees in overdraft charges. This awful business and I will not recommend them to anyone for service.

I've never had a Discover card in my life but about 8 months ago Discover said that I owe them $2,000 that someone transferred money from Discover to my Wells Fargo account. Not only was it not me but this WF account has been closed for two months. But I still had to pay for it. So I paid it. And now a few days ago Discover tells me that I owe them $3,000 for the same reason that someone transferred money from Discover to my Wells Fargo account that has been closed for almost a year now. How could Discover allow the same thing to happen twice? I think they made it happen twice!

Discover Bank will not honor the promotion for new online saving account saying that either this promotion was valid only for existing credit card customer or they will say that you applied by mail and this was only online promotion or they will say your account was opened after promotion deadline. They will give you one or other excuse not to honor the promotion even if you fulfilled the criteria. Worst bank ever I have dealt with.

This is a horrible bank that has no idea how to train their employees and treat their customers very poorly. They give out bad information when you call them and then blame you for this misinformation. I would not recommend them to anyone. Aside from the terrible customer service, they hold check deposit for way too many days and that results in them getting interest off your money and not pay it back to you. Also they claim that they make $200 available to you the next business day after deposit of the check. However, you will NEVER see that in your transaction history and you do not have access to that money.

Make any request to Discover Bank and you will get the standard, it will take seven to ten business days to respond... (English Translation: TWO WEEKS). I requested prepaid deposit envelopes over two weeks ago and still have not received them. In response to my request for prepaid deposit envelopes, I received, over two weeks later, deposit slips with my name misspelled on the correspondence. I have had an account with them for fourteen years. I have three accounts with this bank and as quickly as possible, I am going to cancel them all!! This is not the first time I have had difficulty getting even response to even the most rudimentary requests. They need to change the title of their customer service to Cuss service.

They did not honor reward $100, I had balance 15k as the promotion deal required. In the end, they argued 99 cents in 15k wasn't my "deposit", it was interests, that doesn't count. So they refused to give the reward $100. Very deceptive business practice.

Never get a money market account here, stick with credit card. The only thing the market account does is pile up fees forever, even after you close it. So keep the confirmation and letters of closure because you may be notified years later of negative balances and you better hope the customer service left a note on their side. I closed my mm account last year and got an email this year saying I need to put money in account or it will be charged. The account balance became negative 50 and luckily the service rep said she saw I tried to close it so she closed it (I assume) so waiting for another letter.

It has taken us over a year and assistance from the Delaware Banking Commissioner to have Discover Bank release a Certificate of Deposit to my son who is now past the age of majority. False directions on how to do this, changes in requirements at least twice, bureaucratic obstinacy. Watch out for the document people in Utah! Do not know what they are doing. Meanwhile we have spent an inordinate sum of money and time to get money that was actually my son's released.

This the second time that I have tried opening a bank account with Discover bank. The first time the security department made fax my information in so they could verify my account then come to find out they closed the account after their employee screw up. They left me on hold for hours and just to tell that they fixed the problem and they really didn't. Now I have the same problem. They are the worse company to deal with. I wouldn't recommended this for anyone.

My father passed away and I needed to close out his account and transfer his funds. Discover Bank did a terrible job and was totally incompetent in handling this matter. I sent a letter of instruction on April 21 and then faxed their wire transfer forms. On the day I faxed the forms, I called, and the "documentation specialist and supervisor" assured me that they would be processed in "3 business days." 7 business days later, no response, I called again, spoke to yet another documentation specialist who looked up the account, and pulled the papers and then told me it would "3 business days." Another 5 days, no response, called again, yet another specialist. This time, they pulled the papers and looked over them one by one and told me I had missed checking some boxes? When I went back and looked at the forms, I realized that the boxes were intentionally left unchecked because the first specialist instructed me to do so.

I opened a Discover saving account because of their competitive rate and I made several deposits into my account. Things are ok until when I need to WITHDRAW some of the fund to my US checking account. Not only Discover bank interrupted the transfer of 1700$. They proceed to freeze my account. I have provided personal identification to validate the transaction but their decision was to close the account due to "fraudulent transfer?" Ironically the one committing fraud here is Discover and they just don't like money flowing out of their account. Fine, I can take my business somewhere else.

I deposited a check to my Discover Bank account last Friday via their mobile app. It was the first time I tried the app. It did not work well. It took pictures of the check front and back just fine but there was no way to enter the dollar amount of the check in the window that kept asking me for it. I tried to cancel the transaction but ended up with a transaction deposit of $88. I called Discover Bank. They confirmed that the picture of the check was clearly $800. They said they would correct it by Monday. I called on Monday. They said they would correct it in another three days. Today I sent an email from my online account asking for the correction. Is there any way to get a supervisor there or someone who can actually do something?

I tried twice to negotiate a lower interest rate. I have never been late with my payments and I have been with Discover for more than 15 years. I changed banks and my payment was a couple days late for the first time EVER. Suddenly I got called by a collection agency and now Discover will not let me pay off my balance!! So they in essence are making me later by the week. I have never ever heard of such a thing. Is this what they do to people with FICO scores in the mid 700's and no payments ever missed? No calls, nothing, just send you to Collections??? I am furious... What can I do?

I chose Discover Bank after countless positive reviews on their availability, plentiful ATMs, and my husband's very positive experience with their credit card. We chose Discover needing those conveniences and a bank that could travel with us. Initial setup was rough. I did not find the online banking to be very intuitive, and due to that I didn't understand what I was doing. I am a banking professional with 8 years of experience in the industry, so I expected some differences, but this was cumbersome and easy to misunderstand. Consequentially I set up a bill pay without even realizing I had set up a bill pay. My direct deposit wasn't set up yet. Easy to tell what happened. What wasn't was the poor level of service I received with this very simple and understandable problem. It took 11 e-mails to resolve the total problem.

Although I appreciated the banking terms and cashback bonus, I did not have a good experience with online and mobile banking. I was unable to access or was frozen out of my online account several times in the past year and recently could not make a phone deposit after trying for an hour. The last time I couldn't get into my online account was because they were performing a search engine update - this was during normal business hours, when most banks perform this in the wee hours of the morning so as not to inconvenience too many people. After a year of this nonsense, I decided to return to my previous bank.

To make a long sordid story short: I needed to transfer some funds out of Discover into another of my banks. (I was in vacationing in Canada and needed to use that other bank's card to withdraw funds). The evening before I left for Canada, I called Discover and had the rep walk me through what I needed to do to transfer the funds. I did what was required, and the rep said ALL WAS WELL and the funds would be in my other account within 24 hours. When I arrived in Canada and checked my other bank account, I found the transfer did not happen. I called and was told they needed a few more questions answered to confirm my identity (they did try and get a hold of me by phone, but my phone was turned off - so that was my fault). I answered all their questions - and was assured the transfer was on its way.

Want to close an IRA cd from Discover Bank after mature day before grace period. Send in form 7 days before grace period. The day after grace period I was informed the fo is invalid since I don't have the exact amount on it. I told them I don't know the exact amount because of interest at end of period. Now they renew the CD in order to close it they will charge me over $180.00 for fees and penalty. That is more than the interest they paid me last year. They are gouging the consumers.

I have an IRA that has matured. Following their written instructions, I completed the required form to transfer funds to a local bank. 5 days later I received notification that they could not process the form and they needed a similar form initiated by my local bank. I contacted customer service and got a call center and a trainee moron reading from a prepared script. The rep. would not get off her script and I lost my cool. Do not ever even consider doing business with Discover. They are unprofessional, rude and totally unprepared to solve any customer related issue. They will use any tactic to hold onto your funds as long as possible. I don't know when my IRA funds will ever be transferred. This company should be put out of business. They are incompetent, crooked and liars.

It has been eleven days and five customer service calls, a $20 fee, and still no wire transfer. I finally told them to forget it and I would transfer the monies electronically over two months instead (The sum was too great to do in one month - that was a surprise, too.). The first rep told me the wire transfer was free and where to download the form. He did not tell me the routing number for a wire transfer was different from the one on a check. Subsequent calls to straighten things out got lots of apologies and confirmations, but no money! I finally just threw up my hands and gave up. I will transfer all of my money from them as soon as I'm able. Next time, the big bucks go to a brick and mortar bank.