Online Banking FAQ | Frequently Asked Questions

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type="button" class="open-acc" aria-haspopup="true"> <span>Open an Account<span><i class="reskin-icon caret-down-blue-sml"></i> </button> <ul class="discover-navigation-menu" role="menu"> <li> <a href="https://bank.discover.com/web/deposits/originations/?prodType=Checking2" id="0-conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-cta_openaccount" class="oao_ref" analytics-label="_Header_Menu_OpenAnAccount_CheckingAccount" role="menuitem"> Checking Account </a> </li> <li> <a href="https://bank.discover.com/web/deposits/originations/?prodType=OnlineSavings" id="1-conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-cta_openaccount" class="oao_ref" analytics-label="_Header_Menu_OpenAnAccount_SavingsAccount" role="menuitem"> Online Savings Account </a> </li> <li> <a href="https://bank.discover.com/web/deposits/originations/?prodType=MM" 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id="5-conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-cta_openaccount" class="oao_ref" analytics-label="_Header_Menu_OpenAnAccount_IRASavingsAccount" role="menuitem"> IRA Savings Account </a> </li> <li> <a href="/online-banking/choose-the-right-bank-account/" class="help-link" role="menuitem"> Help me decide <i class="reskin-icon rt-arrow-orange"></i> </a> </li> <a href="javascript:void(0)" class="sr-only temp-variable">.</a> </ul> </div> </li> </ul> </div> </div> <div class="secondary-header-wrapper"> <div class="secondary-nav-wrapper clearfix"> <div class="block-center clearfix"> <a class="header-logo hidden-xs hidden-sm" href="/online-banking/" analytics-label="_Header_Menu_DiscoverLogo"><img src="/content/dam/dfs/online-banking/images/light-2x.png" class="logo" alt="Discover Logo Header" width="180" height="31"/></a> <ul class="secondary-header-navigation"> <li class="active"> <a href="/online-banking/" id="conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-mainnavigation" class="reskin-home-icon-text" analytics-label="_Header_Menu_OnlineBankingHome"> <span class="main-nav-home-text"> Online Banking Home </span> <span class="main-nav-home-icon"><i class="reskin-icon hm-hut"></i></span> </a> </li> <div class="reskin-main-nav-desk"> <li id="product-dropdown-0"> <div class="product-dp-head"><a href="#">Checking</a> <span class="main-nav-icon"><i class="reskin-icon caret-down-blue-sml"></i></span> </div> <ul class="sub-menu"> <li> <a href="/online-banking/checking-account/" class="reskin-sub-products-desk" analytics-label="_Header_Menu_OnlineBankingProducts_CheckingAccount"> Checking Account </a> </li> </ul> </li> <li id="product-dropdown-1"> <div class="product-dp-head"><a href="#">Savings</a> <span class="main-nav-icon"><i class="reskin-icon caret-down-blue-sml"></i></span> </div> <ul class="sub-menu"> <li> <a href="/online-banking/savings-account/" class="reskin-sub-products-desk" analytics-label="_Header_Menu_OnlineBankingProducts_SavingsAccount"> Savings Account </a> </li> <li> <a href="/online-banking/cd/" class="reskin-sub-products-desk" analytics-label="_Header_Menu_OnlineBankingProducts_CD"> CD Account </a> </li> <li> <a href="/online-banking/money-market/" class="reskin-sub-products-desk" analytics-label="_Header_Menu_OnlineBankingProducts_MoneyMarket"> Money Market Account </a> </li> </ul> </li> <li id="product-dropdown-2"> <div class="product-dp-head"><a href="#">Retirement</a> <span class="main-nav-icon"><i class="reskin-icon caret-down-blue-sml"></i></span> </div> <ul class="sub-menu"> <li> <a href="/online-banking/retirement/ira-cd/" class="reskin-sub-products-desk" analytics-label="_Header_Menu_OnlineBankingProducts_IRACD"> IRA CD Account </a> </li> <li> <a href="/online-banking/retirement/ira-savings-account/" class="reskin-sub-products-desk" analytics-label="_Header_Menu_OnlineBankingProducts_IRASavings"> IRA Savings Account </a> </li> <li> <a href="/online-banking/retirement/" class="reskin-sub-products-desk" analytics-label="_Header_Menu_OnlineBankingProducts_RetirementAccounts"> Compare Retirement Accounts </a> </li> </ul> </li> <li id="support-dropdown"> <div class="support-dp-head"><a href="#">Help & Resources</a> <span class="main-nav-icon"><i class="reskin-icon caret-down-blue-sml"></i></span> </div> <ul class="sub-menu"> <li> <a href="/online-banking/faq/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_FAQ"> FAQ </a> </li> <li> <a href="/online-banking/forms-docs/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_FormsDocs"> Forms and Documents </a> </li> <li> <a href="/online-banking/secure-document-upload/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_SecureDocUpload"> Secure Document Upload </a> </li> <li> <a href="/online-banking/security-center/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_SecurityCenter"> Security Center </a> </li> <li> <a href="/online-banking/#ATMFinder" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_ATMLocator"> ATM Locator </a> </li> <li> <a href="/online-banking/fdic/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_FDIC"> FDIC Deposit Insurance </a> </li> <li> <a href="/online-banking/checking-account/digital-wallets/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_DigitalWallets"> Digital Wallets </a> </li> <li> <a href="/online-banking/banking-features/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_FeaturesBenefits"> Features and Benefits </a> </li> <li> <a href="/online-banking/banking-features/mobile-app/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_MobileBanking"> Mobile Banking </a> </li> <li> <a href="/online-banking/banking-features/direct-deposit/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_DirectDeposit"> Direct Deposit </a> </li> <li> <a href="/online-banking/banking-features/mobile-check-deposit/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_MobileCheckDeposit"> Mobile Check Deposit </a> </li> <li> <a href="/online-banking/checking-account/overdraft-services/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_OverdraftServices"> Overdraft Services </a> </li> <li> <a href="/online-banking/banking-features/zelle/" class="reskin-sub-support-desk" analytics-label="_Header_Menu_HelpAndResources_Zelle"> Zelle® </a> </li> <li> <a href="/online-banking/choose-the-right-bank-account/" class="reskin-sub-support-desk en-icon" analytics-label="_Header_Menu_HelpAndResources_FindAnAccount"> Find The Right Account For You <span class="support-sub-menu-icon"><i class="reskin-icon rt-arrow-orange"></i></span> </a> </li> </ul> </li> </div> <div class="reskin-main-nav-mob"> <li id="product-dropdown"> <a href="#">Products <span class="reskin-main-nav-down"><i class="reskin-icon caret-down-blue-sml"></i></span> </a> <div id="product-dropdownList" class="sub-dropdownList"> <div class="block-center clearfix"> <div class="product-menu"> <div class="sub-product-head">Checking</div> <ul class="sub-menu"> <li> <a href="/online-banking/checking-account/" class="reskin-sub-products-mob" analytics-label="_Header_Menu_OnlineBankingProducts_CheckingAccount"> <span> Checking Account</span> </a> </li> </ul> </div> <div class="product-menu"> <div class="sub-product-head">Savings</div> <ul class="sub-menu"> <li> <a href="/online-banking/savings-account/" class="reskin-sub-products-mob" analytics-label="_Header_Menu_OnlineBankingProducts_SavingsAccount"> <span> Savings Account</span> </a> </li> <li> <a href="/online-banking/cd/" class="reskin-sub-products-mob" analytics-label="_Header_Menu_OnlineBankingProducts_CD"> <span> CD Account</span> </a> </li> <li> <a href="/online-banking/money-market/" class="reskin-sub-products-mob" analytics-label="_Header_Menu_OnlineBankingProducts_MoneyMarket"> <span> Money Market Account</span> </a> </li> </ul> </div> <div class="product-menu"> <div class="sub-product-head">Retirement</div> <ul class="sub-menu"> <li> <a href="/online-banking/retirement/ira-cd/" class="reskin-sub-products-mob" analytics-label="_Header_Menu_OnlineBankingProducts_IRACD"> <span> IRA CD Account</span> </a> </li> <li> <a href="/online-banking/retirement/ira-savings-account/" class="reskin-sub-products-mob" analytics-label="_Header_Menu_OnlineBankingProducts_IRASavings"> <span> IRA Savings Account</span> </a> </li> <li> <a href="/online-banking/retirement/" class="reskin-sub-products-mob" analytics-label="_Header_Menu_OnlineBankingProducts_RetirementAccounts"> <span> Compare Retirement Accounts</span> </a> </li> </ul> </div> </div> </div> </li> <li id="support-dropdown"> <a href="#">Help & Resources <span class="reskin-main-nav-down"><i class="reskin-icon caret-down-blue-sml"></i></span> </a> <div id="support-dropdownList" class="sub-dropdownList"> <div class="support-menu"> <ul class="sub-menu"> <li> <a href="/online-banking/faq/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_FAQ"> <span> FAQ</span> </a> </li> <li> <a href="/online-banking/forms-docs/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_FormsDocs"> <span> Forms and Documents</span> </a> </li> <li> <a href="/online-banking/secure-document-upload/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_SecureDocUpload"> <span> Secure Document Upload</span> </a> </li> <li> <a href="/online-banking/security-center/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_SecurityCenter"> <span> Security Center</span> </a> </li> <li> <a href="/online-banking/#ATMFinder" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_ATMLocator"> <span> ATM Locator</span> </a> </li> <li> <a href="/online-banking/fdic/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_FDIC"> <span> FDIC Deposit Insurance</span> </a> </li> <li> <a href="/online-banking/checking-account/digital-wallets/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_DigitalWallets"> <span> Digital Wallets</span> </a> </li> <li> <a href="/online-banking/banking-features/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_FeaturesBenefits"> <span> Features and Benefits</span> </a> </li> <li> <a href="/online-banking/banking-features/mobile-app/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_MobileBanking"> <span> Mobile Banking</span> </a> </li> <li> <a href="/online-banking/banking-features/direct-deposit/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_DirectDeposit"> <span> Direct Deposit</span> </a> </li> <li> <a href="/online-banking/banking-features/mobile-check-deposit/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_MobileCheckDeposit"> <span> Mobile Check Deposit</span> </a> </li> <li> <a href="/online-banking/checking-account/overdraft-services/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_OverdraftServices"> <span> Overdraft Services</span> </a> </li> <li> <a href="/online-banking/banking-features/zelle/" class="reskin-sub-support-mob" analytics-label="_Header_Menu_HelpAndResources_Zelle"> <span> Zelle®</span> </a> </li> <li> <a href="/online-banking/choose-the-right-bank-account/" class="reskin-sub-support-mob en-icon" analytics-label="_Header_Menu_HelpAndResources_FindAnAccount"> <span> Find The Right Account For You</span> <span class="support-sub-menu-icon"><i class="reskin-icon rt-arrow-orange"></i></span> </a> </li> </ul> </div> </div> </li> </div> <li class=" hidden-lg hidden-md hidden-sm"> <a href="https://www.discover.com/online-banking/banking-topics/">Modern Money Blog</a> </li> <li class=" hidden-lg hidden-md hidden-sm" id="discover-product"> <a id="discoverproducts-conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-globalnavigation"> Discover Products <i class="reskin-icon caret-down-blue-sml"></i> </a> <div id="discover-dropdownList" class="sub-dropdownList"> <div class="block-center clearfix"> <div class="support-menu"> <ul class="sub-menu reskin-globanav-mob"> <li> <a href="https://www.discover.com/credit-cards/" class="reskin-nav" analytics-label="_Header_Menu_DiscoverProducts_CreditCards" aria-selected="false"> Credit Cards <i class="Select an Icon Class"></i> </a> </li> <li> <a href="https://www.discover.com/online-banking/" class="reskin-nav" analytics-label="_Header_Menu_DiscoverProducts_OnlineBanking" aria-selected="false"> Online Banking <i class="Select an Icon Class"></i> </a> </li> <li> <a href="https://www.discover.com/personal-loans/" class="reskin-nav" analytics-label="_Header_Menu_DiscoverProducts_PersonalLoans" aria-selected="false"> Personal Loans <i class="Select an Icon Class"></i> </a> </li> <li> <a href="https://www.discover.com/student-loans/" class="reskin-nav" analytics-label="_Header_Menu_DiscoverProducts_StudentLoans" aria-selected="false"> Student Loans <i class="Select an Icon Class"></i> </a> </li> <li> <a href="https://www.discover.com/home-loans/" class="reskin-nav" analytics-label="_Header_Menu_DiscoverProducts_HomeLoans" aria-selected="false"> Home Loans <i class="Select an Icon Class"></i> </a> </li> <li> <a href="https://www.discover.com/" class="reskin-nav" analytics-label="_Header_Menu_DiscoverProducts_DiscoverHome" aria-selected="false"> Discover Home <i class="Select an Icon Class"></i> </a> </li> </ul> </div> </div> </div> </li> <li class="hidden-lg hidden-md hidden-sm dropdown search-tab mobile-search"></li> <li class="open-account hidden-lg hidden-md hidden-sm"> <a class="login" href="https://portal.discover.com/customersvcs/universalLogin/ac_main?Aff=Bank" analytics-label="_Header_Menu_Login">Log In</a> </li> <li class="seondary-nav-open-acc"> <div class="header-oao-dropdown"> <button type="button" class="open-acc" aria-haspopup="true"> <span>Open an Account<span><i class="reskin-icon caret-down-blue-sml"></i> </button> <ul class="discover-navigation-menu" role="menu"> <li> <a href="https://bank.discover.com/web/deposits/originations/?prodType=Checking2" id="0-conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-cta_openaccount" class="oao_ref" analytics-label="_Header_Menu_OpenAnAccount_CheckingAccount" role="menuitem"> Checking Account </a> </li> <li> <a href="https://bank.discover.com/web/deposits/originations/?prodType=OnlineSavings" id="1-conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-cta_openaccount" class="oao_ref" analytics-label="_Header_Menu_OpenAnAccount_SavingsAccount" role="menuitem"> Online Savings Account </a> </li> <li> <a href="https://bank.discover.com/web/deposits/originations/?prodType=MM" id="2-conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-cta_openaccount" class="oao_ref" analytics-label="_Header_Menu_OpenAnAccount_MoneyMarketAccount" role="menuitem"> Money Market Account </a> </li> <li> <a href="https://bank.discover.com/web/deposits/originations/?prodType=CD" id="3-conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-cta_openaccount" class="oao_ref" analytics-label="_Header_Menu_OpenAnAccount_CertificateOfDeposit" role="menuitem"> CD Account </a> </li> <li> <a href="https://bank.discover.com/web/deposits/originations/?prodType=IRA" id="4-conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-cta_openaccount" class="oao_ref" analytics-label="_Header_Menu_OpenAnAccount_IRACD" role="menuitem"> IRA CD Account </a> </li> <li> <a href="https://bank.discover.com/web/deposits/originations/?prodType=IRASV" id="5-conf-dfs-online-banking-settings-wcm-templates-support-faq-form-structure-jcr-content-root-header-cta_openaccount" class="oao_ref" analytics-label="_Header_Menu_OpenAnAccount_IRASavingsAccount" role="menuitem"> IRA Savings Account </a> </li> <li> <a href="/online-banking/choose-the-right-bank-account/" class="help-link" role="menuitem"> Help me decide <i class="reskin-icon rt-arrow-orange"></i> </a> </li> <a href="javascript:void(0)" class="sr-only temp-variable">.</a> </ul> </div> </li> <li class=" hidden-lg hidden-md hidden-sm atm"> <a href="/online-banking/#ATMFinder" class="reskin-sup-sub-menu"> <i class="reskin-icon bl-org-loc"></i> ATM Locator </a> </li> <li class=" hidden-lg hidden-md hidden-sm call"> <a href="tel:18003477000" class="reskin-sup-sub-menu"> <i class="reskin-icon phn-icon"></i> Call </a> </li> </ul> </div> </div> </div> </div> </div> </header> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="heroproducts aem-GridColumn aem-GridColumn--default--12"> <div class="hero-banner-wrapper support-faq-wrapper support-banner reskin-support-banner clearfix" aria-label="Hero Products"> </img> <div class="hero-wrapper reskin-hero-wrapper" data-desktop="/content/dam/dfs/online-banking/images/quote-module-texture.png" data-tablet="/content/dam/dfs/online-banking/images/quote-module-texture.png" data-mobile="/content/dam/dfs/online-banking/images/quote-module-texture.png" aria-label="Blue and dark blue abstract shapes."> <div class="wrapper "> <div class="vertical-center"> <div class="hero-container"> <div class="row firstRow"> <div class="col-xs-12"> <h1 class="cash-back-text1">Online Banking FAQ</h1> <div class="reskin-banner-head-two"> <h2 class="cash-back-text2">We’re here to help</h2> </div> <a> <span> </span> </a> </div> </div> </div> </div> </div> </div> </div> <section class="support-search-wrapper clearfix reskin-search-wrapper"> <div class="search-wrapper clearfix"> <div class="search-input-container"> <input type="text" placeholder="What would you like to know?" id="search-input" class="search-input" data-view="https://www.discover.com/online-banking/api/faqs1.-1.json"/> <div class="input-icon"> <a href="#" id="searchCloseBtn"><i class="global-icon gray-cross hide"></i></a> <a href="#" id="supportSearchBtn" role="button"><i class="reskin-icon srch-wt-lrg"></i><span class="sr-only">search frequently asked questions</span></a> </div> </div> </div> </section> </div> </div> <div class="resultcontainer aem-GridColumn aem-GridColumn--default--12"> <section class="faq-default reskin-faq-sect"> <div class="container reskin-result-cntr"> <div class="card reskin-faq-card" id="mainContent"></div> <div class="faq-result reskin-faq-result" id="result-content"></div>  <div id="noResult"> <div class="faq-search-result-error-wrapper"> <div class="faq-search-result-error"> <h2>Can’t find what you’re looking for in our Online Banking FAQ?</h2> <p>Reach out. 1-800-347-7000</p> </div> </div> </div> </div> </section> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Is Discover a bank?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eYes. Discover Bank is an FDIC-insured bank owned and operated by Discover Financial Services. We offer online and mobile banking for a full suite of deposit products including checking, savings, money market, certificate of deposit, and IRA accounts.\u003c/p\u003e\r\n\u003cp\u003eTo learn more about Discover, visit \u003ca href\u003d\"https://www.discover.com/company/\"\u003ediscover.com/company\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\r\n\u003cp\u003eTo learn more about FDIC coverage, visit our \u003ca href\u003d\"/content/discover/en/online-banking/fdic.html\"\u003eFDIC Deposit Insurance page\u003c/a\u003e or FDIC.gov.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "What is my bank routing number?", "acceptedAnswer": { "@type": "Answer", "text": "The routing number used for electronic transfers made by ACH (including Direct Deposit) and for domestic wire transfers (from another bank within the U.S.) is 031100649. The routing number used for international wire transfers (from another bank outside the U.S.) is 043000261." } }, { "@type": "Question", "name": "What is a Payable on Death (POD) Account?", "acceptedAnswer": { "@type": "Answer", "text": "A POD Account is an account where a beneficiary has been named. Upon the death of the accountholder(s), the funds in the account will be distributed evenly to each beneficiary who survives the account holders(s) (or to his or her representatives as applicable)." } }, { "@type": "Question", "name": "How do I add or remove a beneficiary?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eAll required documents may be provided via mail, fax, phone, secure message center, in person, or \u003ca title\u003d\"Secure Document Upload\" href\u003d\"https://www.discover.com/online-banking/secure-document-upload/\"\u003eSecure Document Upload\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003eLogin to the Account Center at Discover.com/Bank, go to the Forms and Documents page and download the Add/Remove POD form. Click \u003ca href\u003d\"https://www.discoverbank.com/bankac/customerservice/docCenterPDFs/20130129_AddPODForm_AddPODForm.pdf\" target\u003d\"_blank\"\u003ehere\u003c/a\u003e to access a POD form directly.\u003c/p\u003e\r\n\u003cp\u003eSubmit your form by mail or fax.\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eFax: 1-224-813-5220\u003c/li\u003e\r\n\u003cli\u003eMail:\u003cbr\u003e\r\nDiscover\u003cbr\u003e\r\nPO Box 30416\u003cbr\u003e\r\nSalt Lake City, UT 84130\u003cbr\u003e\r\n\u003c/li\u003e\r\n\u003cli\u003eCall us at \u003ca href\u003d\"tel:+18003477000\"\u003e1-800-347-7000\u003c/a\u003e to add or remove your beneficiaries by phone. We will need the following information when requesting to add beneficiaries by phone:\u003cul\u003e\r\n\u003cli\u003eBeneficiary Name\u003c/li\u003e\r\n\u003cli\u003eBeneficiary Date of Birth\u003c/li\u003e\r\n\u003cli\u003eBeneficiary Social Security Number\u003c/li\u003e\r\n\u003cli\u003eBeneficiary contact information including\u003cbr\u003e\r\naddress and phone numbers\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003c/li\u003e\r\n\u003c/ul\u003e\r\n" } }, { "@type": "Question", "name": "What is a custodial account?\u003cbr /\u003e\r\n", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eA Custodial Account is an account that is maintained by an adult (Custodian) for the benefit of a minor.\u003c/p\u003e\r\n\u003cp\u003e\u003cb\u003eNote\u003c/b\u003e: We establish and maintain all custodial accounts under the Delaware Uniform Transfers to Minors Act.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "What types of accounts can be opened as custodial?", "acceptedAnswer": { "@type": "Answer", "text": "Certificates of Deposit, Money Market accounts and Online Savings accounts can be opened as custodial accounts." } }, { "@type": "Question", "name": "How do I apply for a custodial account?", "acceptedAnswer": { "@type": "Answer", "text": "To apply for a Custodial account, call us at \u003ca href\u003d\"tel:+18665155283\"\u003e1-866-515-5283\u003c/a\u003e. U.S.-based Banking Specialists are available Monday - Friday 8 a.m. to 10 p.m. (ET) and Saturday/Sunday 10 a.m. to 6:30 p.m. (ET) to assist you with completing your custodial account application." } }, { "@type": "Question", "name": "How does the identification code process work?", "acceptedAnswer": { "@type": "Answer", "text": "We may need to send you an identification code via text message or phone call to verify your identity. This might occur when you log in from an unrecognized computer or mobile device, or for certain actions like changing your profile information. There\u0027s no need to sign up; this is an automatic service for your added security and protection. Once you receive the code, you will need to enter it when prompted.\u0026nbsp;\u003cbr\u003e\r\n" } }, { "@type": "Question", "name": "I\u0027ve received multiple identification codes. Which one do I use?", "acceptedAnswer": { "@type": "Answer", "text": "Use the most recent identification code and disregard the previous ones you received; they are no longer valid when you request a new one." } }, { "@type": "Question", "name": "Will my identification code expire?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, your identification code is temporary and will expire if you don\u0027t use it within a certain time period. If needed, you can request a new one by clicking the \u0026quot;Get New Code\u0026quot; button.\u003cbr /\u003e\r\n" } }, { "@type": "Question", "name": "I already have an identification code but I get an error when I click \u0026quot;Continue.\u0026quot; What should I do?\u003cbr /\u003e\r\n", "acceptedAnswer": { "@type": "Answer", "text": "If you already have an identification code, there is a link at the bottom of the page to \u0026quot;Go to next step\u0026quot; - you can use this option to continue." } }, { "@type": "Question", "name": "When can I access deposited funds?", "acceptedAnswer": { "@type": "Answer", "text": "For information on funds availability, please refer to the \u003ca href\u003d\"/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf\" target\u003d\"_blank\"\u003eDeposit Account Agreement\u003c/a\u003e\u0026nbsp;and for mobile deposits the \u003ca href\u003d\"/content/dam/dfs/online-banking/documents/MCDTerms.pdf\" target\u003d\"_blank\"\u003eMobile Check Deposit Service User Agreement Addendum\u003c/a\u003e." } }, { "@type": "Question", "name": "What are my online transfer limits?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eThe following limitations apply to online transfers initiated through Discover\u0027s Account Center:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eIncoming limit is up to $250,000 per 30-day rolling period for each Account Center registered owner.\u003csup\u003e1\u003c/sup\u003e\u003c/li\u003e\r\n\u003cli\u003eOutgoing limit is up to $250,000 per 30-day rolling period for each Account Center registered owner.\u003c/li\u003e\r\n\u003cli\u003eThe limits above are subject to a combined incoming/outgoing limit of $300,000 per 30-day rolling period for each Account Center registered owner.\u003c/li\u003e\r\n\u003cli\u003eFor security reasons, there may be additional limits on the dollar amount and the number of external transfers made through this Service.\u003c/li\u003e\r\n\u003cli\u003eTo see your limits, please look in Account Center during ACH transfer setup.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003e\u003csup\u003e1\u003c/sup\u003eChecking accounts opened online or through the Discover App after March 20, 2022 are subject to up to $10,000 incoming limit per 30-day rolling period for each Account Center registered owner.\u003c/p\u003e\r\n\u003cp\u003eNote: The transfer limits noted above only apply to transfers initiated at Discover through the Account Center. Transactions initiated externally do not have limits from Discover, other than the limitation of available funds in your Account, but may be limited by the external financial institution.\u003c/p\u003e\r\n\u003cp\u003eAdditional restrictions may apply. See the \u003ca href\u003d\"/content/dam/dfs/online-banking/documents/Account_Center_(Banking)_Agreement.pdf\" target\u003d\"_blank\"\u003eAccount Center (Banking) Agreement\u003c/a\u003e for complete details.\u003cbr\u003e\r\n\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "Are there any new customer deposit limits?", "acceptedAnswer": { "@type": "Answer", "text": "For security reasons, there may be new customer deposit limits imposed when you initiate a funds transfer at Discover or when you deposit a check through our Mobile Check Deposit service. Additional deposit methods include initiating an ACH transfer from another financial institution, mailing a check deposit, or making a deposit via wire transfer. Please note that other deposit limitations and funds availability policies apply. See the \u003ca href\u003d\"/content/dam/dfs/online-banking/documents/NationalDepositAccountAgreement.pdf\" target\u003d\"_blank\"\u003eDeposit Account Agreement\u003c/a\u003e for more details." } }, { "@type": "Question", "name": "Can I manage my Discover account on my mobile phone?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eWith the Discover Mobile App for Android, iPhone, and tablet you\u003cbr /\u003e\r\nare able to:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eDeposit Checks via our Mobile Check Deposit Service\u003c/li\u003e\r\n\u003cli\u003eView account balances and see recent account activity\u003c/li\u003e\r\n\u003cli\u003ePay bills via our Bill Payment Service \u003c/li\u003e\r\n\u003cli\u003eSet up one-time or recurring transfers\u003c/li\u003e\r\n\u003cli\u003eView scheduled transfers and payments \u003c/li\u003e\r\n\u003cli\u003eContact customer service \u003c/li\u003e\r\n\u003cli\u003eRedeem your Cashback Bonus \u003c/li\u003e\r\n\u003cli\u003eView your account number \u0026amp; routing number \u003c/li\u003e\r\n\u003cli\u003eUpdate your Profile \u0026amp; Settings \u003c/li\u003e\r\n\u003cli\u003eFind no-fee ATMs nearby \u003c/li\u003e\r\n\u003cli\u003eManage Alert preference\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eYou must be registered for the Discover Account Center to use our Discover App. You can also download the app by texting APP to 20877. Message and data rates may apply.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "How do I start using the Discover Mobile app to bank?", "acceptedAnswer": { "@type": "Answer", "text": "If you haven’t done so yet, register for a banking account online at \u003ca href\u003d\"https://www.discover.com/register-account/\" target\u003d\"_blank\"\u003eDiscover.com/register-account\u003c/a\u003e. You can then download Discover Mobile through your device’s app store or by texting APP to 20877 (message and data rates may apply). Finally, open the Discover Mobile app on your device and enter your banking account user ID and password to log in." } }, { "@type": "Question", "name": "Are there any fees I need to pay to use the Discover Mobile app?", "acceptedAnswer": { "@type": "Answer", "text": "No. The Discover Mobile app is free to download and use." } }, { "@type": "Question", "name": "Do I need to use the app?", "acceptedAnswer": { "@type": "Answer", "text": "No. If you don’t have a smartphone or a compatible mobile device or if you simply don’t want to download the app, you can always access your account at \u003ca href\u003d\"https://www.discover.com/\"\u003eDiscover.com\u003c/a\u003e." } }, { "@type": "Question", "name": "Is the Discover Mobile app secure?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eYes. The safety and security of your account is our priority. Here are just a few ways Discover helps protect your information:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eWe use encryption technology to help prevent unauthorized access to your account.\u003c/li\u003e\r\n\u003cli\u003eWe proactively monitor your account for any suspicious activity.\u003c/li\u003e\r\n\u003cli\u003eAs Discover Bank is a member, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum amount allowed by law.\u003c/li\u003e\r\n\u003cli\u003eWe offer tools, like text and email alerts you can enroll in, to help you stay in the loop.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eTo learn more about how we keep your account secure, visit our \u003ca href\u003d\"/content/discover/en/online-banking/security-center.html\"\u003eOnline Banking Security Center\u003c/a\u003e.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "What is Fingerprint login?", "acceptedAnswer": { "@type": "Answer", "text": "Fingerprint login for iOS and Android devices allows you to securely access your account with your fingerprint instead of typing in your login information or Passcode.\u0026nbsp;\u003cbr\u003e\r\n" } }, { "@type": "Question", "name": "Does Fingerprint login work for all devices?", "acceptedAnswer": { "@type": "Answer", "text": "Fingerprint login is available for Apple devices with Touch ID\u003csup\u003e®\u003c/sup\u003e technology (iPhone 5S and newer), and for Android devices with built-in fingerprint readers." } }, { "@type": "Question", "name": "How do I enable Fingerprint login?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eIn order to use Fingerprint login, you must first have the Passcode function enabled. To enable both Passcode and Fingerprint:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eLog in to the Discover App and navigate to Profile \u0026amp; Settings\u003c/li\u003e\r\n\u003cli\u003eSelect either \u0026quot;Touch ID\u003csup\u003e®\u003c/sup\u003e\u0026quot; if you are using an iOS device or “Fingerprint” on Android. You will then be guided through setting up a Passcode and Fingerprint login\u003c/li\u003e\r\n\u003c/ul\u003e\r\n" } }, { "@type": "Question", "name": "I cancelled out of the Fingerprint pop-up box when logging in. How do I return to the Fingerprint option?", "acceptedAnswer": { "@type": "Answer", "text": "If you cancel out of the Fingerprint pop-up box when launching the Discover App, you will be taken to the Passcode keypad for login, where you can choose Fingerprint below and to the right of Passcode." } }, { "@type": "Question", "name": "I was unable to successfully log into my account using Fingerprint. Why do I no longer have the option to use Fingerprint login?", "acceptedAnswer": { "@type": "Answer", "text": "After a number of unsuccessful attempts, Fingerprint login will be temporarily disabled until you log in to your device using the Passcode. Please make sure you have the correct fingerprint saved by going to the \u0026quot;Settings\u0026quot; menu of your device." } }, { "@type": "Question", "name": "I no longer want to use Fingerprint login. How do I disable this feature?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eIf you have Fingerprint login enabled and would like to disable it:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eNavigate to Profile \u0026amp; Settings in the Discover App\u003c/li\u003e\r\n\u003cli\u003eSelect either “Touch ID\u003csup\u003e®\u003c/sup\u003e” if you are using an iOS device or \u0026quot;Fingerprint\u0026quot; on Android\u003c/li\u003e\r\n\u003cli\u003eSlide the switch to “Off”\u003c/li\u003e\r\n\u003c/ul\u003e\r\n" } }, { "@type": "Question", "name": "Does Discover store and maintain my fingerprints?", "acceptedAnswer": { "@type": "Answer", "text": "Enabling Fingerprint login grants Discover access to validate your fingerprint against any of the fingerprints stored on this device. Discover does not store or maintain your fingerprint.\u003cbr /\u003e\r\n" } }, { "@type": "Question", "name": "What is Passcode?", "acceptedAnswer": { "@type": "Answer", "text": "Passcode allows you to create a numerical 4-digit code which makes logging in faster and easier. You may enter only your Passcode instead of your full User ID and Password to access your account." } }, { "@type": "Question", "name": "How do I enable Passcode?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eTo enable Passcode:\u0026nbsp; \u0026nbsp;\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eNavigate to Profile \u0026amp; Settings in the Discover App\u0026nbsp; \u0026nbsp; \u0026nbsp;\u0026nbsp;\u003c/li\u003e\r\n\u003cli\u003eSelect Passcode\u0026nbsp; \u0026nbsp;\u003c/li\u003e\r\n\u003cli\u003eSlide the switch to ‘On’ and follow the on-screen guidance\u003c/li\u003e\r\n\u003c/ul\u003e\r\n" } }, { "@type": "Question", "name": "How do I disable my Passcode?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eIf you have Passcode enabled and would like to disable it:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eNavigate to Profile \u0026amp; Settings in the Discover App\u0026nbsp;\u003c/li\u003e\r\n\u003cli\u003eSelect Passcode\u0026nbsp;\u003c/li\u003e\r\n\u003cli\u003eSlide the switch to \u0027Off\u0027\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eYou can disable your Passcode at any time. If you have Passcode enabled on more than one device, it will continue to be enabled on those devices until you disable it for each device. You can also call \u003ca href\u003d\"tel:+18662457419\"\u003e1-866-245-7419\u003c/a\u003e to have a Banking Specialist disable your Passcode on all your devices at one time.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "What if I lose my device that has Passcode enabled?", "acceptedAnswer": { "@type": "Answer", "text": "To protect your account, we advise that you call \u003ca href\u003d\"tel:+18662457419\" target\u003d\"_blank\"\u003e1-866-245-7419\u003c/a\u003e to disable Passcode on all your devices. This will prevent others from attempting to log in to your account with your Passcode." } }, { "@type": "Question", "name": "What happens if I\u0027m trying to log in with Passcode and enter it incorrectly too many times?", "acceptedAnswer": { "@type": "Answer", "text": "For security purposes, you will be locked out of the application after a certain number of failed attempts. If your account becomes locked, please call our Banking Specialists at \u003ca href\u003d\"tel:+18662457419\" target\u003d\"_blank\"\u003e1-866-245-7419\u003c/a\u003e to unlock your account.\u003cbr\u003e\r\n" } }, { "@type": "Question", "name": "What is Quick View?", "acceptedAnswer": { "@type": "Answer", "text": "Quick View allows you to see your account activity from the login screen of the Discover App. This way, you can access your information easily without having to log in to your account.\u003cbr\u003e\r\n" } }, { "@type": "Question", "name": "How do I enable Quick View?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eTo enable Quick View:\u0026nbsp;\u0026nbsp;\u0026nbsp; \u0026nbsp;\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eNavigate to Profile \u0026amp; Settings in the Discover App\u0026nbsp; \u0026nbsp; \u0026nbsp; \u0026nbsp;\u003c/li\u003e\r\n\u003cli\u003eSelect Quick View\u003c/li\u003e\r\n\u003cli\u003eSlide the switch to \u0027On\u0027\u003c/li\u003e\r\n\u003c/ul\u003e\r\n" } }, { "@type": "Question", "name": "How do I disable Quick View?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eIf you have Quick View enabled and would like to disable it:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eNavigate to Profile \u0026amp; Settings in the Discover App\u003c/li\u003e\r\n\u003cli\u003eSelect Quick View\u003c/li\u003e\r\n\u003cli\u003eSlide the switch to \u0027Off\u0027\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eYou can disable Quick View at any time. If you have Quick View enabled on more than one device, it will continue to be enabled on those devices until you disable it for each device. You can also call \u003ca href\u003d\"tel:+18662457419\"\u003e1-866-245-7419\u003c/a\u003e to have a Banking specialist disable your Passcode on all your devices at one time.\u0026nbsp; Once it’s turned off, the Quick View button will continue to appear but your account information will not be available.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "If I have Quick View enabled on my device and it gets lost or stolen, how can I disable it?", "acceptedAnswer": { "@type": "Answer", "text": "In the event that your mobile device is lost or stolen, please call us immediately at \u003ca href\u003d\"tel:+18662457419\" target\u003d\"_blank\"\u003e1-866-245-7419\u003c/a\u003e to disable Quick View." } }, { "@type": "Question", "name": "How do I register and manage my deposit account(s) online?\u003cbr /\u003e\r\n", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eOur registration process is quick and easy—with a few simple steps. When you register, you will need to provide the last 4 digits of one of your Discover bank account numbers and verify the security information provided when you opened your account. If you have multiple bank accounts with us, you will only need to register once as all your bank accounts are automatically linked to your online profile. To register for online banking, click \u003ca href\u003d\"https://bank.discover.com/bankac/static/web-registration/#/\" target\u003d\"_blank\"\u003ehere\u003c/a\u003e.\u003c/p\u003e\r\n\u003cp\u003eYou can also manage your account via our mobile app. Click \u003ca href\u003d\"https://www.discover.com/online-banking/#mobile-module\" target\u003d\"_blank\"\u003ehere\u003c/a\u003e to learn more about mobile banking.\u003cbr\u003e\r\n\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "What are the User ID and Password guidelines?\u003cbr\u003e\r\n", "acceptedAnswer": { "@type": "Answer", "text": "Your User ID must be between 6-16 characters in length and can contain letters, numbers, and most special characters. Your Password must be 8-32 characters in length and must contain at least 1 letter and at least 1 number. Your Password is case sensitive and can contain most special characters.\u003cbr\u003e\r\n" } }, { "@type": "Question", "name": "What should I do if I forget my User ID or Password?", "acceptedAnswer": { "@type": "Answer", "text": "If you forget your User ID or Password, click \u003ca href\u003d\"https://bank.discover.com/bankac/loginreg/loadloginassist\" target\u003d\"_blank\"\u003ehere\u003c/a\u003e. If you are still unable to log in, call us at \u003ca href\u003d\"tel:+18003477000\"\u003e1-800-347-7000\u003c/a\u003e." } }, { "@type": "Question", "name": "If I have a joint account, can we both sign up for the Account Center at Discover.com/online-banking?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Each joint owner should register separately to securely protect his/her personal information. Account holder(s) should not share User IDs or Passwords." } }, { "@type": "Question", "name": "What is Overdraft Protection?\u003cbr /\u003e\r\n", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eOverdraft Protection is a link between your Deposit accounts that transfers funds to help avoid the inconvenience of returned items and insufficient funds. You can link a Discover account so that funds in a funding account can be automatically used to cover eligible transactions in your protected account that would otherwise be returned unpaid.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\r\n\u003cp\u003eOverdraft Protection is used to cover checks, online bill payments and ACH transfers initiated at another bank. It does not apply to ATM, debit card transactions or transfers initiated at Discover.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "How does Overdraft Protection work?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eIn the event your protected account does not have sufficient available funds to cover an eligible transaction, the Overdraft Protection service will automatically initiate a transfer of funds from your designated funding account to your protected account in the overdrawn amount. \u003cb\u003eNote:\u003c/b\u003e Overdraft Protection service is not automatic and requires you to sign up for the service.\u003c/p\u003e\r\n\u003cp\u003eSee the \u003ca href\u003d\"/content/dam/dfs/online-banking/documents/Overdraft_Protection_Agreement.pdf\" target\u003d\"_blank\"\u003eOverdraft Protection Service Agreement Addendum\u003c/a\u003e for complete details.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "What is a protected account?", "acceptedAnswer": { "@type": "Answer", "text": "Your protected account is the account you choose to provide funding to from another account if there are not sufficient funds to cover your transactions. Checking, Money Market and Savings accounts can be set up as a protected account.\u0026nbsp;\u003cbr\u003e\r\n" } }, { "@type": "Question", "name": "What is a funding account?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eYour funding account is the account you wish to provide funding from in the case that sufficient funds are not available in the protected account to fund transactions.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\r\n\u003cp\u003eChecking, Money Market and Savings accounts can be set up as a funding account.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "What types of transactions are covered by Overdraft Protection?", "acceptedAnswer": { "@type": "Answer", "text": "Online Bill Payments, electronic transfers initiated externally and checks are covered by Overdraft Protection. Debit Card purchases, ATM withdrawals and transactions initiated at Discover are not covered.\u0026nbsp;\u003cbr\u003e\r\n\u0026nbsp;\u003cbr\u003e\r\n" } }, { "@type": "Question", "name": "What\u0027s the difference between Balance+ and Overdraft Protection, and can I be enrolled in both?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eOverdraft Protection covers ACH transfers initiated at another bank, checks you write, and online bill payments by moving available funds from a designated Discover funding account (checking, money market, or savings account) to cover the transactions. Balance+ covers debit card purchases by allowing your checking account to be overdrawn up to $200.\u003c/p\u003e\r\n\u003cp\u003eYour checking account can be enrolled in both Balance+ and Overdraft Protection to help ensure different types of transactions are covered.\u003c/p\u003e\r\n\u003cp\u003e\u003ci\u003eBalance+ 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 \u003ca href\u003d\"/content/dam/dfs/online-banking/documents/balanceplus-terms-and-conditions.pdf\" target\u003d\"_blank\"\u003eterms and conditions\u003c/a\u003e apply.\u003c/i\u003e\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "Are there any Overdraft Protection Fees?", "acceptedAnswer": { "@type": "Answer", "text": "There are no fees associated with using Discover\u0027s Overdraft Protection Service. No fee is assessed for enrolling in or using Discover\u0027s Overdraft Protection Service to cover transactions.\u0026nbsp;\u003cbr\u003e\r\n" } }, { "@type": "Question", "name": "If I do not have enough money in my funding account to cover the total amount overdrawn in my protected account, will my transactions still be covered by Overdraft Protection?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eIf the amount overdrawn from your protected account is not available in your funding account, we will initiate the Overdraft Protection Service to cover as many eligible transactions, from lowest dollar amount to highest dollar amount, as there are available funds in your funding account. \u003c/p\u003e\r\n\u003cp\u003eTransactions where sufficient funds are not available in your funding account will be returned unpaid.\u003cbr /\u003e\r\n\u003c/p\u003e\r\n\u003cp\u003eSee the \u003ca href\u003d\"/content/dam/dfs/online-banking/documents/Overdraft_Protection_Agreement.pdf\" target\u003d\"_blank\"\u003eOverdraft Protection Service Agreement Addendum\u003c/a\u003e for complete details.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "How can I enroll in Overdraft Protection Service?", "acceptedAnswer": { "@type": "Answer", "text": "When you are logged into your online account via the Account Center, select Overdraft Protection under Accounts. This will direct you to the Overdraft Protection enrollment page." } }, { "@type": "Question", "name": "Can I have multiple funding accounts identified for a single protected account?", "acceptedAnswer": { "@type": "Answer", "text": "You are only allowed to identify one funding account for each of your protected accounts at a time." } }, { "@type": "Question", "name": "Can I use one of my accounts as the funding account for multiple protected accounts?", "acceptedAnswer": { "@type": "Answer", "text": "You are only allowed to use an account as a funding account for one protected account at a time." } }, { "@type": "Question", "name": "Can one account be used as both a protected and funding account?", "acceptedAnswer": { "@type": "Answer", "text": "An account can only be used once, as a protected or funding account, as part of the Overdraft Protection Service." } }, { "@type": "Question", "name": "Is Discover Online Banking safe?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eYes. The safety and security of your Online Banking accounts are top priority. Here are a few of the ways we help protect your accounts and information:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eWe use sophisticated encryption technology to prevent unauthorized access to your information online and in the Discover mobile app.\u003c/li\u003e\r\n\u003cli\u003eWe proactively monitor your accounts for potential fraud and will reach out if we see anything suspicious.\u003c/li\u003e\r\n\u003cli\u003eDiscover Bank is a member of the Federal Deposit Insurance Corporation (FDIC), which means your deposits are \u003ca href\u003d\"/content/discover/en/online-banking/fdic.html\"\u003eFDIC-insured\u003c/a\u003e up to the maximum allowed by law.\u003c/li\u003e\r\n\u003cli\u003eWe offer tools you can enroll in, such as account alerts, to help you boost your account’s security.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eTo learn more, visit our \u003ca href\u003d\"/content/discover/en/online-banking/security-center.html\"\u003eOnline Banking Security Center\u003c/a\u003e.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "Is my account and personal information secure when I log in?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Each time you log in, we will authenticate you with your user ID and password and your session will time-out after a period of inactivity." } }, { "@type": "Question", "name": "Will Discover ever send me an email asking for my personal information?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eNo, Discover will never send you an email requesting you to reply directly in an email with any personal information such as:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAccount numbers\u003c/li\u003e\r\n\u003cli\u003eAccount Center user ID or password\u003c/li\u003e\r\n\u003cli\u003eBirth date\u003c/li\u003e\r\n\u003cli\u003eSocial security number\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eIf you do receive a suspicious email, please call us immediately at 1-800-347-7000.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "What are the benefits of enrolling in Paperless Statements?\u003cbr /\u003e\r\n", "acceptedAnswer": { "@type": "Answer", "text": "\u003cul\u003e\r\n\u003cli\u003eSecurity—protect your information behind a secure login.\u003c/li\u003e\r\n\u003cli\u003eConvenience—access up to 7 years of statements online and via the Discover App any time you need it.\u003c/li\u003e\r\n\u003cli\u003eQuicker access—eliminate the wait for mail. We’ll send you an email notification as soon as your statement is ready to access.\u003c/li\u003e\r\n\u003cli\u003eEnvironment-friendly—save paper and reduce clutter at home.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eTo enroll in paperless statements, \u003ca href\u003d\"https://portal.discover.com/customersvcs/universalLogin/ac_main?Aff\u003dBank\u0026amp;link\u003d/bankac/documents/paperless\" target\u003d\"_blank\"\u003elog in\u003c/a\u003e and update your settings.\u003c/p\u003e\r\n\u003cp\u003eOnce enrolled, we\u0027ll send you an email notification as soon as your statement is ready to access. You will also be able to view your statements on the Discover App.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "What accounts are eligible for enrollment in Paperless Statements?\u003cbr /\u003e\r\n", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eAll accounts are eligible for paperless statements except for IRA CDs. For IRA CDs and IRA Savings, your annual plan statement will be available to view online and will also be mailed.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\r\n\u003cp\u003ePlease note that Cashback Debit accounts are automatically enrolled in paperless statements.\u003c/p\u003e\r\n\u003cp\u003eTo enroll in paperless statements, \u003ca href\u003d\"https://portal.discover.com/customersvcs/universalLogin/ac_main?Aff\u003dBank\u0026amp;link\u003d/bankac/documents/paperless\" target\u003d\"_blank\"\u003elog in\u003c/a\u003e and update your settings.\u003cbr\u003e\r\n\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "How do I enroll in Paperless Statements?", "acceptedAnswer": { "@type": "Answer", "text": "You will have the option to enroll in paperless statements during the online account opening process. For an existing account, \u003ca href\u003d\"https://portal.discover.com/customersvcs/universalLogin/ac_main?Aff\u003dBank\u0026amp;link\u003d/bankac/documents/paperless\" target\u003d\"_blank\"\u003elog in\u003c/a\u003e and update your paperless settings to enroll.\u0026nbsp;Once enrolled, we’ll send you an email notification as soon as your statement is ready to access. You will also be able to view your statements on the mobile app." } }, { "@type": "Question", "name": "When will I receive my statements? ", "acceptedAnswer": { "@type": "Answer", "text": "\u003cul\u003e\r\n\u003cli\u003eChecking and money market account statements are available monthly.\u003c/li\u003e\r\n\u003cli\u003eSavings, IRA Savings and non-IRA CD account statements are available quarterly. However, if there is an electronic fund transfer transaction within the month, we’ll provide a statement for the month the transaction was processed.\u003c/li\u003e\r\n\u003cli\u003eIRA CD statements are available in January annually.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eIf you are enrolled in paperless statements, we’ll send you an email notification as soon as your statement is ready to access.\u003c/p\u003e\r\n\u003cp\u003eTo view, save and print your statements, click \u003ca href\u003d\"https://portal.discover.com/customersvcs/universalLogin/ac_main?Aff\u003dBank\u0026amp;link\u003d/bankac/documents/paperless\" target\u003d\"_blank\"\u003ehere\u003c/a\u003e.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "If I’m enrolled in Paperless Statements, can I still get paper copies of my statements? ", "acceptedAnswer": { "@type": "Answer", "text": "Yes. You can print your statement directly from the PDF provided in the Account Center. Simply open the PDF and select “Print”. You have access to view, save and print the last 7 years of statements. You can also call us at \u003ca href\u003d\"tel:+18003477000\"\u003e1-800-347-7000\u003c/a\u003e to request copies.\u0026nbsp;\u003cbr\u003e\r\n\u003cbr\u003e\r\nTo view, save and print your statements, click \u003ca href\u003d\"https://portal.discover.com/customersvcs/universalLogin/ac_main?Aff\u003dBank\u0026amp;link\u003d/bankac/documents/paperless\" target\u003d\"_blank\"\u003ehere\u003c/a\u003e.\u0026nbsp;" } }, { "@type": "Question", "name": "Why do I need to update my browser?\u003cbr /\u003e\r\n", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eKeeping your browser up-to-date is important for both security and ensuring that web pages load properly. Updating your browser also helps ensure that you have the best online experience possible\u003c/p\u003e\r\n\u003cp\u003e\u003cb\u003eFor security reasons, you\u0027ll need to update your browser in order to view\u0026nbsp;Discover.com/online-banking/ and access the Account Center.\u003c/b\u003e\u003c/p\u003e\r\n\u003cp\u003eClick \u003ca href\u003d\"https://www.discover.com/credit-cards/help-center/faqs/updating-your-browser.html\" target\u003d\"_blank\"\u003ehere\u003c/a\u003e for more information about identifying your browser and how to update your browser or contact a Customer Service representative at \u003ca href\u003d\"tel:+18003477000\"\u003e1-800-347-7000\u003c/a\u003e.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "How do I send a wire transfer?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eImportant: Please submit your request at least 2-3 days in advance of when you would like us to process your wire to ensure pre-processing and verification (if needed) can be completed.\u003cbr\u003e\r\n\u003c/p\u003e\r\n\u003cp\u003eYou can initiate your wire transfer request in one of the following ways:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eAccount Center online (for domestic wire transfers only): Log in, select \u0026quot;Transfers\u0026quot; or \u0026quot;Transfers \u0026amp; Payments\u0026quot; in the navigation menu and follow the instructions for Wire Transfer\u003c/li\u003e\r\n\u003cli\u003eDiscover App (for domestic and international wire transfers): Log in, select the Transfer icon and follow the instructions for Wire Transfer\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eInternational and Domestic Wire Transfer requests received and verified before 3:00 PM ET on a business day will be processed the same day. Requests received and verified after 3:00 PM ET on a business day or any time on a weekend or holiday will be processed by the next business day.\u003c/p\u003e\r\n\u003cp\u003eA Wire Transfer Specialist will review your request before your wire transfer is processed. If we need to verify additional information, we will attempt to contact you within 1 business day of your submission at the phone number of record on your account.\u003c/p\u003e\r\n\u003cp\u003eWire Transfer Specialists are available to help Monday–Friday, 8:00 a.m. – 7:00 p.m. Eastern Time (ET). They are unavailable on weekends and Federal Reserve Bank holidays.\u003c/p\u003e\r\n\u003cp\u003e\u003cb\u003eNOTE:\u003c/b\u003e\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eRegarding International Outbound Wires, Discover only sends wires funded in U.S. dollars. If the beneficiary’s account is not denominated in U.S. dollars, then you will need to send the wire from a different bank. If a wire is sent denominated in U.S. dollars, the proceeds of an international wire transfer may be delivered in the foreign currency equivalent, less any applicable fees assessed by the beneficiary’s bank.\u003c/li\u003e\r\n\u003cli\u003eWire transfers may be delayed, not processed, and/or funds may be frozen if we or an intermediary bank perceives that a wire request may be in violation of United States OFAC sanction programs or other applicable laws.\u003c/li\u003e\r\n\u003cli\u003e\u003cb\u003eImportant:\u003c/b\u003e If you provide an incorrect beneficiary account number or incorrect beneficiary bank identifier (ABA Routing Number, SWIFT, IBAN or CLABE), you could lose the transfer amount.\u003c/li\u003e\r\n\u003c/ul\u003e\r\n" } }, { "@type": "Question", "name": "Is there a service charge for sending a wire transfer?\u003cbr\u003e\r\n", "acceptedAnswer": { "@type": "Answer", "text": "There is a $30 service charge for each outgoing wire transfer sent from your Discover bank account.\u0026nbsp;\u003cbr\u003e\r\n" } }, { "@type": "Question", "name": "How do I receive a wire transfer?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eFor domestic wire transfers (from another bank in U.S.), please wire funds to:\u0026nbsp; \u0026nbsp;\u0026nbsp;\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eBeneficiary Bank: Discover Bank\u003c/li\u003e\r\n\u003cli\u003eABA/Routing Number: 031100649\u003c/li\u003e\r\n\u003cli\u003eBeneficiary Bank Address (if required): 502 East Market Street, Greenwood DE 19950\u003c/li\u003e\r\n\u003cli\u003eBeneficiary Name: Your name (as it appears on your Discover bank account)\u003c/li\u003e\r\n\u003cli\u003eBeneficiary Address: Your address (as it appears on your Discover bank account)\u003c/li\u003e\r\n\u003cli\u003eBeneficiary Account Number: Your Discover bank account number\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eFor international wire transfers (from another bank outside the U.S.), please wire funds to:\u003c/p\u003e\r\n\u003cul\u003e\r\n\u003cli\u003eBeneficiary Bank: Bank of New York Mellon\u003c/li\u003e\r\n\u003cli\u003eABA/Routing Number: 043000261\u003c/li\u003e\r\n\u003cli\u003eSWIFT Code: IRVTUS3N\u003c/li\u003e\r\n\u003cli\u003eBeneficiary Bank Address (if required): #3 Mellon Bank Center, Pittsburgh, PA 15258\u003c/li\u003e\r\n\u003cli\u003eBeneficiary Name: Discover Bank\u003c/li\u003e\r\n\u003cli\u003eBeneficiary Account Number: 9914394\u003c/li\u003e\r\n\u003cli\u003eFor Further Credit to: Your name (as it appears on your Discover bank account), your address (as it appears on your Discover bank account), and your Discover bank account number\u003c/li\u003e\r\n\u003c/ul\u003e\r\n\u003cp\u003eWire transfers received before 4:00 PM ET will be posted to your account on the business day we receive them.\u003c/p\u003e\r\n\u003cp\u003eWire transfers received after 4:00 PM ET will post to your account the following business day, with an effective date of the business day the funds were received.\u003c/p\u003e\r\n\u003cp\u003eSome wire transfers may require additional processing time. In those cases, your wire transfer will post to your account upon completion of processing, with an effective date of the business day the funds were received. If it has been more than 2 business days since your inbound wire was sent and it has not yet posted, feel free to call us at 1-800-347-7000.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "Is there any fee for receiving a wire transfer?\u003cbr\u003e\r\n", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eWe do not assess a service charge for receiving domestic wires or for receiving international wires in U.S. dollars.\u003cbr\u003e\r\n\u003c/p\u003e\r\n\u003cp\u003eFor international wire transfers received in a foreign currency, the currency exchange rate is determined by our designated intermediary bank and will impact the amount received by Discover. Our designated intermediary bank may also apply a $20 currency exchange fee.\u003c/p\u003e\r\n\u003cp\u003eNote: If an intermediary bank not designated by us is used in the transfer process (domestic or international), that intermediary bank may charge you a fee for their services that could decrease the total amount we receive.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "What is Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;is a fast\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e\u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003e\u003cp\u003eTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with \u003ci\u003eZelle\u003c/i\u003e®.\u003c/p\u003e\r\n\u003cbr\u003e\r\n\u003cp\u003e\u003ci\u003eZelle\u003c/i\u003e\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;enrollment.\u0026nbsp; Message and data charges from your carrier may apply. Transaction limitations may apply.\u003c/p\u003e\r\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\r\n\u003cp\u003eTo use Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;with Discover, an Account Center registered Discover Checking, Money Market, Online Savings or Statement Savings Account is required. Discover and\u003ci\u003e Zelle\u003csup\u003e®\u003c/sup\u003e\u003c/i\u003e\u0026nbsp;do not offer a protection program for any authorized payments made with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003cbr\u003e\r\n\u003cbr\u003e\r\n\u003c/p\u003e\r\n\u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003eand easy way to send money directly to almost any bank account in the U.S. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e\u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003e\u003cp\u003eMust have a bank account in the U.S. to use Zelle\u003csup\u003e®\u003c/sup\u003e.\u003c/p\u003e\r\n\u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e" } }, { "@type": "Question", "name": "What are the requirements for Zelle\u003csup\u003e®\u003c/sup\u003e enrollment?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eDiscover and Zelle® have the right to determine eligibility and to restrict categories of recipients to or from whom transfers may be made.\u003cbr\u003e\r\n\u003c/p\u003e\r\n\u003cp\u003eGenerally, to enroll with Zelle\u003csup\u003e®\u003c/sup\u003e, you must:\u003c/p\u003e\r\n\u003col style\u003d\"list-style-type: lower-alpha;\"\u003e\r\n\u003cli\u003eOwn at least one Eligible Account (checking, money market, online savings or statement savings) and have a valid physical address on file;\u003cbr\u003e\r\n\u003c/li\u003e\r\n\u003cli\u003eHave an Eligible Account that is at least 90 days old with a balance of $0 or more at the time of enrollment;\u003c/li\u003e\r\n\u003cli\u003eProvide an email address, and, for verification purposes, your U.S. mobile phone number; You may not enroll in the Services with a landline phone number, Google Voice number, or Voice over Internet Protocol number;\u003c/li\u003e\r\n\u003cli\u003eProvide us with an email address or a permanent U.S. mobile phone number that you intend to use for an extended period of time, which will be the Zelle\u003csup\u003e®\u003c/sup\u003e identifier for your Enrolled Account, and be Account Center registered with any required hardware or software.\u003c/li\u003e\r\n\u003c/ol\u003e\r\n" } }, { "@type": "Question", "name": "How do I use Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eTo get started, log into the Account Center online or via the mobile app. Choose \u0026quot;Send Money with Zelle\u003csup\u003e®\u003c/sup\u003e\u0026quot; from the\u0026nbsp;\u0026quot;Transfers\u0026quot; or \u0026quot;Transfers \u0026amp; Payments\u0026quot; menu, follow the enrollment prompts, and accept the terms and conditions.\u003cbr\u003e\r\n\u003c/p\u003e\r\n\u003cp\u003e\u003cb\u003eSend Money:\u003c/b\u003e\u003c/p\u003e\r\n\u003col\u003e\r\n\u003cli\u003eChoose “Send”\u003c/li\u003e\r\n\u003cli\u003eSelect your recipient from your mobile device’s contacts or add a trusted recipient’s email address or U.S. mobile number\u003c/li\u003e\r\n\u003cli\u003eEnter the amount\u003c/li\u003e\r\n\u003cli\u003eHit “Send” to complete the payment\u003c/li\u003e\r\n\u003c/ol\u003e\r\n\u003cp\u003e\u003cb\u003eRequest Money\u003c/b\u003e\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e \u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003eIn order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle\u003csup\u003e®\u003c/sup\u003e. \u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cb\u003e:\u003c/b\u003e\u003c/p\u003e\r\n\u003col\u003e\r\n\u003cli\u003eChoose “Request”\u003c/li\u003e\r\n\u003cli\u003eSelect the individual from whom you’d like to request money\u003c/li\u003e\r\n\u003cli\u003eEnter the amount\u003c/li\u003e\r\n\u003cli\u003eHit “Request”\u003c/li\u003e\r\n\u003c/ol\u003e\r\n\u003cp\u003e\u003cb\u003eReceive Money:\u003c/b\u003e\u003c/p\u003e\r\n\u003cp\u003eShare your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003c/p\u003e\r\n\u003cp\u003e\u003ci\u003eTHE ZELLE® P2P SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU KNOW AND TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO USERS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. BEWARE OF SCAMS AND FRAUD WHEN USING THE\u0026nbsp;ZELLE® P2P SERVICE.\u003c/i\u003e\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "How do I send money with Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eTo get started, log into the Account Center online or via the mobile app. Choose \u0026quot;Send Money with Zelle\u003csup\u003e®\u003c/sup\u003e\u0026quot; from the\u0026nbsp;\u0026quot;Transfers\u0026quot; or \u0026quot;Transfers \u0026amp; Payments\u0026quot; menu, follow the enrollment prompts, and accept the terms and conditions.\u003cbr\u003e\r\n\u003c/p\u003e\r\n\u003cp\u003e\u003cbr\u003e\r\n\u003cb\u003eSend Money:\u003c/b\u003e\u003c/p\u003e\r\n\u003col\u003e\r\n\u003cli\u003eChoose “Send”\u003c/li\u003e\r\n\u003cli\u003eSelect your recipient from your mobile device’s contacts or add a trusted recipient’s email address or U.S. mobile number\u003c/li\u003e\r\n\u003cli\u003eEnter the amount\u003c/li\u003e\r\n\u003cli\u003eHit “Send” to complete the payment\u003cbr\u003e\r\n\u003c/li\u003e\r\n\u003c/ol\u003e\r\n\u003cp\u003e\u003ci\u003eTHE ZELLE® P2P SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU KNOW AND TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO USERS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.\u0026nbsp;BEWARE OF SCAMS AND FRAUD WHEN USING THE ZELLE® P2P SERVICE.\u003c/i\u003e\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "How do I request money with Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eTo get started, log into the Account Center online or via the mobile app. Choose \u0026quot;Send Money with Zelle\u003csup\u003e®\u003c/sup\u003e\u003cspan\u003e\u0026quot; from the\u0026nbsp;\u0026quot;Transfers\u0026quot; or \u0026quot;Transfers \u0026amp; Payments\u0026quot; menu, follow the enrollment prompts, and accept the terms and conditions.\u003c/span\u003e\u003cbr\u003e\r\n\u003c/p\u003e\r\n\u003cp\u003e\u003cb\u003eRequest Money\u003c/b\u003e\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e \u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003eIn order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle\u003csup\u003e®\u003c/sup\u003e. \u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003cb\u003e:\u003c/b\u003e\u003c/p\u003e\r\n\u003col\u003e\r\n\u003cli\u003eChoose “Request”\u003c/li\u003e\r\n\u003cli\u003eSelect the individual from whom you’d like to request money\u003c/li\u003e\r\n\u003cli\u003eEnter the amount\u003c/li\u003e\r\n\u003cli\u003eHit “Request”\u003c/li\u003e\r\n\u003c/ol\u003e\r\n\u003cp\u003e\u003ci\u003eTHE ZELLE® P2P SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU KNOW AND TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO USERS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.\u0026nbsp;BEWARE OF SCAMS AND FRAUD WHEN USING THE ZELLE® P2P SERVICE.\u003c/i\u003e\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "\u003cspan class\u003d\"suff-wrap\"\u003e\u003c/span\u003eHow do I receive money with Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eTo receive money with Discover\u0026nbsp;Zelle®, you\u0027ll need to enroll your U.S. mobile number or email address. You can then share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with\u0026nbsp;Zelle®.\u0026nbsp;\u003c/p\u003e\r\n\u003cp\u003eIf you have already enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e, you do not need to take any further action. The money will move directly into your bank account, typically within minutes\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e\u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003e Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003cbr\u003e\r\n \u003cbr\u003e\r\n Zelle\u003csup\u003e®\u003c/sup\u003e enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle\u003csup\u003e®\u003c/sup\u003e\u003ci\u003e\u0026nbsp;\u003c/i\u003eenrollment. Message and data charges from your carrier may apply. Transaction limitations may apply.\u003cbr\u003e\r\n \u003cbr\u003e\r\n To use Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;with Discover, an Account Center registered Discover Checking, Money Market, Online Savings or Statement Savings Account is required. Discover and Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;do not offer a protection program for any authorized payments made with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003cbr\u003e\r\n\u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003cp\u003e\u003ci\u003eTHE ZELLE® P2P SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU KNOW AND TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO USERS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.\u0026nbsp;BEWARE OF SCAMS AND FRAUD WHEN USING THE ZELLE® P2P SERVICE.\u003c/i\u003e\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "How do I enroll with Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eIt\u0027s easy — Zelle® is already available in the Account Center online and the Discover Mobile App.\u003c/p\u003e\r\n\u003cp\u003eYou can enroll with Zelle® online or through our mobile app. Once you log into your account, select \u0026quot;Send Money with Zelle®\u0026quot; from the\u0026nbsp;\u0026quot;Transfers\u0026quot; or \u0026quot;Transfers \u0026amp; Payments\u0026quot; menu and follow the enrollment prompts.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "Which accounts can I use to send money with Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eYou can send money from your Cashback Debit, Personal Checking, Money Market, Online Savings or Statement Savings Account.\u003cbr\u003e\r\n\u003cbr\u003e\r\nPlease note that if you’re using a Discover Money Market Account, Online Savings or Statement Savings Account, sending money with\u0026nbsp;Zelle\u003csup\u003e®\u003c/sup\u003e will count toward your 6 limited transactions for the month.\u003c/p\u003e\r\n\u003cp\u003e\u003ci\u003eTHE ZELLE® P2P SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU KNOW AND TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO USERS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. BEWARE OF SCAMS AND FRAUD WHEN USING THE\u0026nbsp;ZELLE® P2P SERVICE.\u003c/i\u003e\u003cbr\u003e\r\n\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "Who can I send money to with Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eYou can use Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;to send money directly to almost any bank account in the U.S. Since money is typically sent in minutes\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e\u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003e Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003cbr\u003e\r\n \u003cbr\u003e\r\n Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;enrollment. Message and data charges from your carrier may apply. Transaction limitations may apply.\u003cbr\u003e\r\n \u003cbr\u003e\r\n To use Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;with Discover, an Account Center registered Discover Checking, Money Market, Online Savings or Statement Savings Account is required. Discover and Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;do not offer a protection program for any authorized payments made with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003cbr\u003e\r\n \u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u0026nbsp;\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e , it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.\u003c/p\u003e\r\n\u003cp\u003e\u003ci\u003eTHE ZELLE® P2P SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU KNOW AND TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO USERS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.\u0026nbsp;BEWARE OF SCAMS AND FRAUD WHEN USING THE ZELLE® P2P SERVICE.\u003c/i\u003e\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "How do I add a new recipient so that I can send them money?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eOnce you send or request money to or from someone new, they’ll be added to your recipient list so you can easily send/receive in the future.\u003c/p\u003e\r\n\u003cp\u003eTo add a trusted recipient using the Account Center online, select \u0026quot;Send Money with Zelle\u003csup\u003e®\u003c/sup\u003e\u0026quot; from the\u0026nbsp;\u0026quot;Transfers\u0026quot; or \u0026quot;Transfers \u0026amp; Payments\u0026quot; menu, choose “Send” and enter your recipient’s email or U.S. mobile number in the search bar (once you do, you’ll automatically be taken to the next step).\u003cbr\u003e\r\n\u003cbr\u003e\r\nTo add a trusted recipient using the Discover Mobile App, select \u0026quot;Send Money with Zelle\u003csup\u003e®\u003c/sup\u003e\u0026quot; from the Transfers menu, choose “Send” and select “Add From Contacts” or enter the recipient’s email address or U.S. mobile phone number in the search bar (once you do, you’ll automatically be taken to the next step).\u003cbr\u003e\r\n\u003c/p\u003e\r\n\u003cp\u003e\u003ci\u003eTHE ZELLE® P2P SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU KNOW AND TRUST. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO USERS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.\u0026nbsp;BEWARE OF SCAMS AND FRAUD WHEN USING THE ZELLE® P2P SERVICE.\u003c/i\u003e\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "Can I use\u0026nbsp;Zelle\u003csup\u003e®\u003c/sup\u003e to send money internationally?", "acceptedAnswer": { "@type": "Answer", "text": "In order to use Zelle\u003csup\u003e®\u003c/sup\u003e, the sender’s and recipient’s bank accounts must be based in the U.S.\u003cbr\u003e\r\n" } }, { "@type": "Question", "name": "What types of payments can I make with Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eYou can use Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;to send money directly to almost any bank account in the U.S.\u003c/p\u003e\r\n\u003cp\u003eZelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter, or neighbor\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e\u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003e Must have a bank account in the U.S. to use Zelle\u003csup\u003e®\u003c/sup\u003e. \u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e. Since money is typically sent in minutes\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e\u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003e \u003cspan\u003eTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003c/span\u003e\u003cbr\u003e\r\n \u003cbr\u003e\r\n \u003cspan\u003e\u003ci\u003eZelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;\u003c/i\u003eenrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle\u003csup\u003e®\u003c/sup\u003e\u003ci\u003e\u0026nbsp;\u003c/i\u003eenrollment. Message and data charges from your carrier may apply. Transaction limitations may apply.\u003c/span\u003e\u003cbr\u003e\r\n \u003cbr\u003e\r\n \u003cspan\u003eTo use Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;with Discover, an account center registered Discover Checking, Money Market, Online Savings, or Statement Savings Account is required. Discover and Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;do not offer a protection program for any authorized payments made with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003c/span\u003e\u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003eit’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.\u003c/p\u003e\r\n\u003cp\u003eNeither Discover nor Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;offers a protection program for any authorized payments made with Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;– for example, if you do not receive the item you paid for or the item is not as described or as you expected.\u003c/p\u003e\r\n\u003cp\u003eYou should not use\u0026nbsp;Zelle\u003csup\u003e®\u003c/sup\u003e to send money to anyone for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you should not use Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;to request money from anyone for any such payments.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "How do I view my Zelle\u003csup\u003e®\u003c/sup\u003e activity? ", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eYou can see incoming and outgoing Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;payments (both pending and completed) on the Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;activity page.\u003c/p\u003e\r\n\u003cp\u003eLog into the online Account Center online or via the mobile app and choose \u0026quot;Send Money with Zelle\u003csup\u003e®\u003c/sup\u003e\u0026quot; from the\u0026nbsp;\u0026quot;Transfers\u0026quot; or \u0026quot;Transfers \u0026amp; Payments\u0026quot; menu. From there, click on “Activity” to view your Zelle\u003csup\u003e®\u003c/sup\u003e\u003ci\u003e\u0026nbsp;\u003c/i\u003epayments.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "Does Discover have limits for sending or receiving\u0026nbsp;Zelle\u003csup\u003e®\u003c/sup\u003e payments?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eYou may send a total of $600 per day using Zelle\u003csup\u003e®\u003c/sup\u003e. We may change your send limit, from time to time, based on a variety of factors. If we change your transfer limit for sending money, we will let you know. Please review the Zelle\u003csup\u003e®\u003c/sup\u003e Person to Person Transfer Service User Agreement Addendum for more information.\u003cbr /\u003e\r\n\u003c/p\u003e\r\n\u003cp\u003e\u003cbr /\u003e\r\nWe do not limit how much money you can receive with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "Someone sent me money with Zelle\u003csup\u003e®\u003c/sup\u003e, now what?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eIf you have already enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e, you do not need to take any further action. The money will move directly into your bank account, typically within minutes\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e\u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003e\u003cspan\u003eTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003c/span\u003e\u003cbr\u003e\r\n \u003cbr\u003e\r\n \u003cspan\u003e\u003ci\u003eZelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;\u003c/i\u003eenrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle\u003csup\u003e®\u003c/sup\u003e\u003ci\u003e\u0026nbsp;\u003c/i\u003eenrollment. Message and data charges from your carrier may apply. Transaction limitations may apply.\u003c/span\u003e \u003cbr\u003e\r\n \u003cbr\u003e\r\n \u003cspan\u003eTo use Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;with Discover, an Account Center registered Discover Checking, Money Market, Online Savings or Statement Savings Account is required. Discover and Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;do not offer a protection program for any authorized payments made with Zelle\u003csup\u003e®\u003c/sup\u003e. \u003c/span\u003e\u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e.\u003c/p\u003e\r\n\u003cp\u003eIf you have not yet enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e, follow these steps:\u003c/p\u003e\r\n\u003col\u003e\r\n\u003cli\u003eClick on the link provided in the payment notification you received via email or text message.\u003c/li\u003e\r\n\u003cli\u003eSelect \u0026quot;Discover\u0026quot;\u003c/li\u003e\r\n\u003cli\u003eFollow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification--you should enroll with Zelle\u003csup\u003e®\u003c/sup\u003e\u003ci\u003e\u0026nbsp;\u003c/i\u003eusing that email address or U.S. mobile number to ensure you receive your money.\u003c/li\u003e\r\n\u003c/ol\u003e\r\n" } }, { "@type": "Question", "name": "Are there any fees for using Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "Discover does not charge a fee for sending or receiving money with Zelle\u003csup\u003e®\u003c/sup\u003e. Please note that your carrier\u0027s messaging and data charges may apply when receiving texts or using the mobile app. Contact your provider for more information." } }, { "@type": "Question", "name": "How long does it take to send and receive money with Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003ePayments sent using Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;are typically available in an enrolled recipient’s account within minutes.\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e\u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003e\u003cspan\u003eTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003c/span\u003e\u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003cp\u003eIf you send money to someone who isntenrolled with Zelle\u003csup\u003e®\u003c/sup\u003e, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account typically in minutes.\u003cspan class\u003d\"discover-tooltip rebrand-tooltip\"\u003e\u003cspan class\u003d\"cashback-wrapper-info-dark\"\u003e\u003c/span\u003e\u003cspan class\u003d\"cashback\"\u003e\u003cspan\u003eTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003c/span\u003e\u003cspan class\u003d\"close-wrap\"\u003e\u003ca href\u003d\"#\" class\u003d\"closebtn\"\u003e\u003c/a\u003e\u003cspan class\u003d\"before-tip\"\u003e\u003c/span\u003e\u003cspan class\u003d\"after-tip\"\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/span\u003e\u003c/p\u003e\r\n\u003cp\u003eTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e.\u003c/p\u003e\r\n\u003cp\u003eIf your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;and that you entered the correct email address or U.S. mobile phone number.\u0026nbsp; If the person has not yet enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e, they have 14 days to enroll, or your payment will be cancelled.\u003c/p\u003e\r\n\u003cp\u003eIf you’re enrolled and waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.\u003cbr\u003e\r\n\u003c/p\u003e\r\n" } }, { "@type": "Question", "name": "Can I use\u0026nbsp;Zelle\u003csup\u003e®\u003c/sup\u003e at Discover if I already use\u0026nbsp;Zelle\u003csup\u003e®\u003c/sup\u003e at another bank?", "acceptedAnswer": { "@type": "Answer", "text": "If you enrolled with Zelle® using your email address or U.S. mobile number at one financial institution, you cannot enroll that same email address or U.S. mobile phone number at another institution. However, you can transfer your email address or U.S. mobile phone number. During enrollment on the Discover Mobile App or online Account Center, you\u0027ll see a prompt notifying you that the email address or U.S. mobile phone number is already enrolled at another institution. You\u0027ll be asked to confirm that you want to complete the transfer and then to verify your email address or U.S. mobile phone number.\u003cbr /\u003e\r\n" } }, { "@type": "Question", "name": "What do I do if my recipient didn’t receive the money I sent with Zelle\u003csup\u003e®\u003c/sup\u003e?", "acceptedAnswer": { "@type": "Answer", "text": "If your recipient did not receive your payment, make sure they’ve enrolled their email address or U.S. mobile number with Zelle\u003csup\u003e®\u003c/sup\u003e. If they are enrolled, verify that the email address or U.S. mobile number you used to send money to your recipient is associated with your recipient’s Zelle\u003csup\u003e®\u003c/sup\u003e\u0026nbsp;enrollment." } }, { "@type": "Question", "name": "Can I cancel a Zelle\u003csup\u003e®\u003c/sup\u003e payment?", "acceptedAnswer": { "@type": "Answer", "text": "\u003cp\u003eYou can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”\u003cbr /\u003e\r\n\u003c/p\u003e\r\n\u003cp\u003eIf the person you sent money to has already enrolled with Zelle\u003csup\u003e®\u003c/sup\u003e, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money. \u003c/p\u003e\r\n" } } ] } </script> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="oao aem-GridColumn aem-GridColumn--default--12"> <section class="brand-oao en-desk" analyticsscrolllabel="Customer_Service_Scroll"> <div class="brand-oao-container"> <div class="brand-oao-wrapper yellow-background"> <div class="phone-no-container"> <div class="phone-no-icon"><i class="reskin-icon cust-care"></i></div> <div class="phone-no-content"> <h2>Our friendly customer service is available 24/7</h2> </div> <div class="phone-no-link"> <a href="tel:+18003477000" class="null"> 1 (800) 347-7000 </a> </div> </div> </div> </div> </section> </div> </div> </div> </div> </div> </div> <div class="footer 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Comparison information is based on competitor product APYs with the same term, but these or other competitors may have similar products with higher CD rates (e.g., different terms, minimum balance).</p><span class="close-wrap"><a href="#" class="closebtn"></a></span><span class="before-tip"></span><span class="after-tip"></span></span></span>'); </script>   <script> if($(".rebrand-lng.savinglngTiered #how-it-works .new-no-fees-wrapper").length > 0){ (function(){ var tabImg= "/content/dam/dfs/online-banking/images/osa-balance-build-nerdwallet-fdic-tablet.png", deskMobImg= "/content/dam/dfs/online-banking/images/nerdwallet-fdic.png", winOSAWidth= $(window).innerWidth(); imgSet(winOSAWidth); $(window).on('resize',function(){ winOSAWidth= $(window).width(); imgSet(winOSAWidth); }); $(window).on('load',function(){ winOSAWidth=$(window).innerWidth(); imgSet(winOSAWidth); }); function imgSet(winOSAWidth){ if((winOSAWidth >= 768) && (winOSAWidth <= 1024)){ $(".no-fees-img-wrap.single-img img").attr("src", tabImg); 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} else if($(".fdic-cpy-wt-icircle-dd").length > 0){ $(".rebrand-page.rebrand-pg-blue-col .hero-banner-wrapper.reskin-products-banner .wrapper .vertical-center .hero-container").append("<div class='fdic-marq-copy'><span class='fdic-mar-icon'><i class='global-icon icon-member-fdic'></i></span><span class='fdic-marq-cont'>Your deposits are <a class= 'fdic-mar-anc' href='https://www.discover.com/online-banking/fdic/'>FDIC-insured</a> up to the maximum amount allowed by law<span class='discover-tooltip rebrand-tooltip'><button class='cashback-wrapper-info-dark'><span class='sr-only'>Opens modal dialog</span></button><span class='cashback'><p>For more information on FDIC deposit insurance (including information on deposit ownership categories), or for help calculating your coverage, visit <a href='https://edie.fdic.gov/'>EDIE.FDIC.gov</a> or call the FDIC at 1-877-275-3342 (1-877-ASKFDIC).</p><span class='close-wrap'><a href='#' class='closebtn' aria-label='close'></a></span><span class='before-tip'></span><span class='after-tip'></span></span></span></span></div>"); 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