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document.addEventListener("DOMContentLoaded", function(event) { var hash = window.decodeURI(location.hash.replace('#', '')) if (hash !== '') { var element = document.getElementById(hash) if (element) { var scrollTop = window.pageYOffset || document.documentElement.scrollTop || document.body.scrollTop var clientTop = document.documentElement.clientTop || document.body.clientTop || 0 var offset = element.getBoundingClientRect().top + scrollTop - clientTop // Wait for the browser to finish rendering before scrolling. setTimeout((function() { window.scrollTo(0, offset - 0) }), 0) } } }) </script><title data-rh="true">Discover Bank Review 2024 | TIME Stamped</title><link data-rh="true" rel="canonical" href="https://time.com/personal-finance/article/discover-bank-review/"/><script data-rh="true" id="page-metadata">(function(data){window.Venus=window.Venus||{};window.Venus.pageMetadata=data;})({"title":"Discover Bank Review 2024","description":"Not only does Discover offer some of the very best credit cards, but Discover Bank pays high interest on savings accounts and a wide range of CD terms.","canonical":"https://time.com/personal-finance/article/discover-bank-review/","image":"https://time.com/personal-finance/static/ba7518b157dd43ee72ac077c8b01929e/8ae18/discover-bank-review.jpg","createdAt":"2023-11-13T08:46:23.551Z","publishedAt":null,"updatedAt":"2024-11-21T17:09:25.267Z","section":"personal-finance","author":"Kevin Mercadante","category":"Banking"})</script><script data-rh="true" type="application/ld+json">{ "@context": "https://schema.org", "@type": "Article", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://time.com/personal-finance/article/discover-bank-review/" }, "headline": "Discover Bank Review 2024 · TIME Stamped: Personal Finance Made Easy", "image": [ "https://time.com/personal-finance/static/ba7518b157dd43ee72ac077c8b01929e/8ae18/discover-bank-review.jpg" ], "datePublished": "2023-11-13T08:46:23.551Z", "dateModified": 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Cards</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Savings</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-a-savings-account/">What Is A Savings Account</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-apy/">What Is APY</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/types-of-savings-accounts/">Types of Savings Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/the-best-high-yield-savings-accounts/">Best High Yield Savings Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-business-savings-accounts/">Best Business Savings Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-student-savings-accounts/">Best Student Savings Accounts</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-savings-accounts-for-kids/">Best Savings Accounts for Kids</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">CDs</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-a-certificate-of-deposit/">What Is A CD Account</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-cd-rates/">Best CD Rates</a></li><li 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clip-rule="evenodd"></path></svg></button><label class="menu-label">Banks</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/u-s-bank-review/">U.S. Bank Review</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/cit-bank-review/">CIT Bank Review</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/chase-bank-review/">Chase Bank Review</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/capital-one-bank-review/">Capital One Bank Review</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a aria-current="page" class="" href="/personal-finance/article/discover-bank-review/">Discover Bank Review</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/ally-bank-review/">Ally Bank Review</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/pnc-bank-review/">PNC Bank Review</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/bask-bank-review/">Bask Bank Review</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/axos-bank-review/">Axos Bank Review</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 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aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Personal</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-banks-for-personal-loans/">Best Banks for Personal Loans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-bad-credit-loans/">Best Loans for Bad Credit</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-debt-consolidation-loans/">Best Debt Consolidation Loans</a></li><li 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d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Student</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/fafsa-requirements/">FAFSA Requirements</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/how-to-apply-for-student-loan-forgiveness/">Apply for Student Loan Forgiveness</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/subsidized-vs-unsubsidized-student-loans/">Subsidized vs Unsubsidized Student Loans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/should-you-refinance-your-student-loan/">When to Refinance Student Loans</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a 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href="/personal-finance/article/best-auto-loan-rates-and-lenders/">Best Auto Loan Rates &amp; Lenders</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-auto-loan-refinance-lenders/">Best Auto Refinance Companies</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/bad-credit-auto-loans/">Bad Credit Auto Loans</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 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href="/personal-finance/article/what-is-term-life-insurance/">Term Life Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-universal-life-insurance/">Universal Life Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/term-vs-whole-life-insurance/">Term vs Whole Life Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/term-vs-permanent-life-insurance/">Term vs Permanent Life Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-life-insurance-companies/">Best Life Insurance Companies</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg 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stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label">Travel</label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/what-is-travel-insurance/">What Is Travel Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/how-much-is-travel-insurance/">How Much Is Travel Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-travel-insurance-companies/">Best Travel Insurance Companies</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-travel-insurance-for-seniors/">Best Travel Insurance for Seniors</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-cfar-travel-insurance/">Best CFAR Travel Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/best-cruise-travel-insurance/">Best Cruise Travel Insurance</a></li><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><a href="/personal-finance/article/travelers-insurance-review/">Travelers Insurance Review</a></li></ul></section><section class="menu-section section__SectionBase-sc-fmx0k8-0 kvYbSB"><div class="section___StyledLabel-sc-fmx0k8-1 gGPlM"><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="back"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="button___StyledBsChevronLeft-sc-12tiulk-0 cyuJxe" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M11.354 1.646a.5.5 0 010 .708L5.707 8l5.647 5.646a.5.5 0 01-.708.708l-6-6a.5.5 0 010-.708l6-6a.5.5 0 01.708 0z" clip-rule="evenodd"></path></svg></button><label class="menu-label"><a class="label__Link-sc-1k0lly7-0 bRFNyN" href="/personal-finance/category/investing/">Investing</a></label></div><ul><li class="section___StyledListItem-sc-fmx0k8-2 gMifxf menu-item"><span>Trade</span><button class="MuiButtonBase-root MuiIconButton-root MuiIconButton-sizeMedium sc-aXZVg bfATJZ css-1yxmbwk" tabindex="0" type="button" aria-label="More in Trade"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" class="sc-gEvEer jrVqwj" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M4.646 1.646a.5.5 0 01.708 0l6 6a.5.5 0 010 .708l-6 6a.5.5 0 01-.708-.708L10.293 8 4.646 2.354a.5.5 0 010-.708z" 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189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z"></path></svg></span></button></div><div class="desktop-drawer__SectionWrapper-sc-3qwbjs-3 cyLWXH"><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Earn money</h3><ul><li><a alt="Passive Income Ideas" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/passive-income-ideas/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Passive Income Ideas</span></div></a></li><li><a alt="How to Make Money Fast" class="list-item__Link-sc-1om8alm-0 dEAiPb" 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fmzLYm"><span>What Is A Fair Credit Score</span></div></a></li><li><a alt="What Is A Good Credit Score" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-good-credit-score/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Good Credit Score</span></div></a></li><li><a alt="How to Improve Credit Score" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-improve-your-credit-score-fast/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Improve Credit Score</span></div></a></li><li><a alt="Credit Score to Buy A House" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-credit-score-do-i-need-to-buy-a-house/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Credit Score to Buy A House</span></div></a></li><li><a alt="Credit Score to Buy A Car" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-credit-score-is-needed-to-buy-a-car/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Credit Score to Buy A Car</span></div></a></li><li><a alt="Credit Score to Rent An Appartment" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/credit-score-to-rent-apartment/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Credit Score to Rent An Appartment</span></div></a></li><li><a alt="Best Credit Monitoring Services" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-monitoring-services/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Monitoring Services</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Taxes</h3><ul><li><a alt="Average Tax Refund" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/average-tax-refund/"><div 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class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Reduce Taxable Income</span></div></a></li><li><a alt="Donation Tax Deduction" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/maximize-tax-savings-tax-deductible-donations/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Donation Tax Deduction</span></div></a></li><li><a alt="Best Tax Preparation Software" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-tax-preparation-software/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Tax Preparation Software</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Rewards</h3><ul><li><a alt="Best Rewards Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-rewards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Rewards Credit Cards</span></div></a></li><li><a alt="Best Cash Back Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-cash-back/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Cash Back Credit Cards</span></div></a></li><li><a alt="Best Travel Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-travel-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Travel Credit Cards</span></div></a></li><li><a alt="Best Airline Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-airline-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Airline Credit Cards</span></div></a></li><li><a alt="Best Hotel Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-hotel-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Hotel Credit Cards</span></div></a></li><li><a alt="Amex Rewards Guide" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/amex-membership-rewards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Amex Rewards Guide</span></div></a></li><li><a alt="Citi Rewards Guide" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/citi-thankyou-rewards-program-guide/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Citi Rewards Guide</span></div></a></li><li><a alt="Chase Ultimate Rewards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/chase-transfer-partners/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Chase Ultimate Rewards</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Business</h3><ul><li><a alt="Best Business Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-business-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Business Credit Cards</span></div></a></li><li><a alt="Best Small Business Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-small-business-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Small Business Credit Cards</span></div></a></li><li><a alt="Amex Business Platinum vs. Chase Business Ink Preferred" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/amex-business-platinum-vs-chase-ink-preferred/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Amex Business Platinum vs. Chase Business Ink Preferred</span></div></a></li><li><a alt="Capital One Spark Cash Plus vs. Ink Business Cash" class="list-item__Link-sc-1om8alm-0 dEAiPb" 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alt="Amex Blue Cash Everyday Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/amex-blue-cash-everyday-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Amex Blue Cash Everyday Review</span></div></a></li><li><a alt="Citi Custom Cash Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/citi-custom-cash-card-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Citi Custom Cash Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Build Credit</h3><ul><li><a alt="Best No Annual Fee Credit Cards " class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-no-annual-fee/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best No Annual Fee Credit Cards </span></div></a></li><li><a alt="Best Credit Cards for Beginners" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/credit-cards-for-beginners/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Beginners</span></div></a></li><li><a alt="Best Unsecured Cards for Bad Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/unsecured-credit-cards-bad-credit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Unsecured Cards for Bad Credit</span></div></a></li><li><a alt="Best Secured Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-secured-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Secured Credit Cards</span></div></a></li><li><a alt="Best Credit Cards for Bad Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-bad-credit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Bad Credit</span></div></a></li><li><a alt="Best Credit Cards for Fair Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-fair-credit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Fair Credit</span></div></a></li><li><a alt="Best Credit Cards for Students " class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-credit-cards-for-students/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards for Students </span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Issuers/Networks</h3><ul><li><a alt="Best Credit Cards in 2024" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/the-best-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Credit Cards in 2024</span></div></a></li><li><a alt="Best Capital One Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-capital-one-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Capital One Credit Cards</span></div></a></li><li><a alt="Best Discover Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-discover-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Discover Credit Cards</span></div></a></li><li><a alt="Best Citi Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-citi-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Citi Credit Cards</span></div></a></li><li><a alt="Best Chase Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-chase-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Chase Credit Cards</span></div></a></li><li><a alt="Best Amex Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-american-express-card/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Amex Credit Cards</span></div></a></li><li><a alt="Best Mastercard Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-mastercard-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Mastercard Credit Cards</span></div></a></li><li><a alt="Best Visa Credit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-visa-credit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Visa Credit Cards</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Checking</h3><ul><li><a alt="How Many Checking Accounts Can I Have" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-many-checking-accounts-should-you-have/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Many Checking Accounts Can I Have</span></div></a></li><li><a alt="Best Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/the-best-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Checking Accounts</span></div></a></li><li><a alt="Best High Yield Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-high-yield-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best High Yield Checking Accounts</span></div></a></li><li><a alt="Best Rewards Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-rewards-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Rewards Checking Accounts</span></div></a></li><li><a alt="Best Business Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-business-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Business Checking Accounts</span></div></a></li><li><a alt="Best Joint Checking Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-joint-checking-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Joint Checking Accounts</span></div></a></li><li><a alt="Best Prepaid Debit Cards" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-prepaid-debit-cards/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Prepaid Debit Cards</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Savings</h3><ul><li><a alt="What Is A Savings Account" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-savings-account/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Savings Account</span></div></a></li><li><a alt="What Is APY" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-apy/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is APY</span></div></a></li><li><a alt="Types of Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/types-of-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Types of Savings Accounts</span></div></a></li><li><a alt="Best High Yield Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/the-best-high-yield-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best High Yield Savings Accounts</span></div></a></li><li><a alt="Best Business Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-business-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Business Savings Accounts</span></div></a></li><li><a alt="Best Student Savings Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-student-savings-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Student Savings Accounts</span></div></a></li><li><a alt="Best Savings Accounts for Kids" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-savings-accounts-for-kids/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Savings Accounts for Kids</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">CDs</h3><ul><li><a alt="What Is A CD Account" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-certificate-of-deposit/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A CD Account</span></div></a></li><li><a alt="Best CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best CD Rates</span></div></a></li><li><a alt="Best 3-Month CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-3-month-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 3-Month CD Rates</span></div></a></li><li><a alt="Best 6-Month CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-6-month-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 6-Month CD Rates</span></div></a></li><li><a alt="Best 1-Year CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-1-year-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 1-Year CD Rates</span></div></a></li><li><a alt="Best 2-Year CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/2-year-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 2-Year CD Rates</span></div></a></li><li><a alt="Best 5-Year CD Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-5-year-cd-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best 5-Year CD Rates</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Money Market</h3><ul><li><a alt="What Is A Money Market Account" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-money-market-account/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Money Market Account</span></div></a></li><li><a alt="Money Market vs CD" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/money-market-vs-cd/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Money Market vs CD</span></div></a></li><li><a alt="Best Money Market Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-money-market-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Money Market Accounts</span></div></a></li><li><a alt="Business Money Market Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/business-money-market-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Business Money Market Accounts</span></div></a></li><li><a alt="Best Jumbo Money Market Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-jumbo-money-market-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Jumbo Money Market Rates</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Banks</h3><ul><li><a alt="U.S. Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/u-s-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>U.S. Bank Review</span></div></a></li><li><a alt="CIT Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/cit-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>CIT Bank Review</span></div></a></li><li><a alt="Chase Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/chase-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Chase Bank Review</span></div></a></li><li><a alt="Capital One Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/capital-one-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Capital One Bank Review</span></div></a></li><li><a aria-current="page" alt="Discover Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/discover-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Discover Bank Review</span></div></a></li><li><a alt="Ally Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/ally-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Ally Bank Review</span></div></a></li><li><a alt="PNC Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/pnc-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>PNC Bank Review</span></div></a></li><li><a alt="Bask Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/bask-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Bask Bank Review</span></div></a></li><li><a alt="Axos Bank Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/axos-bank-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Axos Bank Review</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Personal</h3><ul><li><a alt="Best Banks for Personal Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-banks-for-personal-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Banks for Personal Loans</span></div></a></li><li><a alt="Best Loans for Bad Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-bad-credit-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Loans for Bad Credit</span></div></a></li><li><a alt="Best Debt Consolidation Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-debt-consolidation-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Debt Consolidation Loans</span></div></a></li><li><a alt="Best Quick Loans for Fast Cash" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-fast-personal-loans-for-quick-cash/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Quick Loans for Fast Cash</span></div></a></li><li><a alt="Best Vacation Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-vacation-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Vacation Loans</span></div></a></li><li><a alt="Best Wedding Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-wedding-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Wedding Loans</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Student</h3><ul><li><a alt="FAFSA Requirements" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/fafsa-requirements/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>FAFSA Requirements</span></div></a></li><li><a alt="Apply for Student Loan Forgiveness" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-apply-for-student-loan-forgiveness/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Apply for Student Loan Forgiveness</span></div></a></li><li><a alt="Subsidized vs Unsubsidized Student Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/subsidized-vs-unsubsidized-student-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Subsidized vs Unsubsidized Student Loans</span></div></a></li><li><a alt="When to Refinance Student Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/should-you-refinance-your-student-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>When to Refinance Student Loans</span></div></a></li><li><a alt="Best Student Loan Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/student-loan-interest-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Student Loan Rates</span></div></a></li><li><a alt="Best Private Student Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-private-student-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Private Student Loans</span></div></a></li><li><a alt="Best Student Loan Refinance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-student-loan-refinance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Student Loan Refinance Companies</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Auto</h3><ul><li><a alt="How Much Should My Car Payment Be" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-much-should-my-car-payment-be/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Much Should My Car Payment Be</span></div></a></li><li><a alt="How to Get a Preapproved Car Loan" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-get-a-preapproved-car-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Get a Preapproved Car Loan</span></div></a></li><li><a alt="How to Lower Your Car Payment" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-lower-your-car-payment/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Lower Your Car Payment</span></div></a></li><li><a alt="How to Refinance a Car Loan" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-refinance-a-car-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Refinance a Car Loan</span></div></a></li><li><a alt="Best Auto Loan Rates &amp; Lenders" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-auto-loan-rates-and-lenders/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Auto Loan Rates &amp; Lenders</span></div></a></li><li><a alt="Best Auto Refinance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-auto-loan-refinance-lenders/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Auto Refinance Companies</span></div></a></li><li><a alt="Bad Credit Auto Loans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/bad-credit-auto-loans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Bad Credit Auto Loans</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">LOC/HELOC</h3><ul><li><a alt="What Is a Line of Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-line-of-credit-and-how-does-it-work/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is a Line of Credit</span></div></a></li><li><a alt="What Is a Home Equity Line of Credit" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/home-equity-loan/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is a Home Equity Line of Credit</span></div></a></li><li><a alt="HELOC Requirements" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/home-equity-loan-or-heloc-requirements/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>HELOC Requirements</span></div></a></li><li><a alt="Home Equity Loan vs HELOC" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/home-equity-loan-vs-heloc/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Home Equity Loan vs HELOC</span></div></a></li><li><a alt="Heloc on Investment Property" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/heloc-on-investment-property/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Heloc on Investment Property</span></div></a></li><li><a alt="Is HELOC Interest Deductible" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/are-home-equity-loans-tax-deductible/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Is HELOC Interest Deductible</span></div></a></li><li><a alt="Best HELOC Rates" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-heloc-rates/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best HELOC Rates</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Car</h3><ul><li><a alt="Diminished Value Claim" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/deminished-value-claim/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Diminished Value Claim</span></div></a></li><li><a alt="RV Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/rv-insurance-guide/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>RV Insurance</span></div></a></li><li><a alt="After A Hit And Run Accident" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-to-do-after-a-hit-and-run-car-accident/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>After A Hit And Run Accident</span></div></a></li><li><a alt="Car Insurance Deductible" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-car-insurance-deductible/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Car Insurance Deductible</span></div></a></li><li><a alt="Liability vs Full Coverage Car Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/liability-only-vs-full-coverage-car-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Liability vs Full Coverage Car Insurance</span></div></a></li><li><a alt="How to Get Car Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-get-car-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Get Car Insurance</span></div></a></li><li><a alt="Best Car Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-car-insurance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Car Insurance Companies</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Home</h3><ul><li><a alt="What Is Renters Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-renters-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is Renters Insurance</span></div></a></li><li><a alt="Do You Need Home Warranty" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/do-you-need-home-warranty/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Do You Need Home Warranty</span></div></a></li><li><a alt="Best Renters Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-renters-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Renters Insurance Companies</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Life</h3><ul><li><a alt="Types of Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/types-of-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Types of Life Insurance</span></div></a></li><li><a alt="Whole Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-whole-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Whole Life Insurance</span></div></a></li><li><a alt="Term Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-term-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Term Life Insurance</span></div></a></li><li><a alt="Universal Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-universal-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Universal Life Insurance</span></div></a></li><li><a alt="Term vs Whole Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/term-vs-whole-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Term vs Whole Life Insurance</span></div></a></li><li><a alt="Term vs Permanent Life Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/term-vs-permanent-life-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Term vs Permanent Life Insurance</span></div></a></li><li><a alt="Best Life Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-life-insurance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Life Insurance Companies</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Pet</h3><ul><li><a alt="What Is Pet Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/is-pet-insurance-worth-it/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is Pet Insurance</span></div></a></li><li><a alt="How Much Is Pet Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-the-cost-of-pet-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Much Is Pet Insurance</span></div></a></li><li><a alt="Best Pet Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-pet-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Pet Insurance Companies</span></div></a></li><li><a alt="Best Pet Insurance for Multiple Pets" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-pet-insurance-for-multiple-pets/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Pet Insurance for Multiple Pets</span></div></a></li><li><a alt="Pet Wellness Plans" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/pet-wellness-plans/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Pet Wellness Plans</span></div></a></li><li><a alt="Best Pet Dental Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/pet-dental-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Pet Dental Insurance</span></div></a></li><li><a alt="Lemonade Insurance Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/lemonade-insurance-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Lemonade Insurance Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Travel</h3><ul><li><a alt="What Is Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is Travel Insurance</span></div></a></li><li><a alt="How Much Is Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-much-is-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Much Is Travel Insurance</span></div></a></li><li><a alt="Best Travel Insurance Companies" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-travel-insurance-companies/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Travel Insurance Companies</span></div></a></li><li><a alt="Best Travel Insurance for Seniors" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-travel-insurance-for-seniors/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Travel Insurance for Seniors</span></div></a></li><li><a alt="Best CFAR Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cfar-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best CFAR Travel Insurance</span></div></a></li><li><a alt="Best Cruise Travel Insurance" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-cruise-travel-insurance/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Cruise Travel Insurance</span></div></a></li><li><a alt="Travelers Insurance Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/travelers-insurance-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Travelers Insurance Review</span></div></a></li></ul></div></div><div class="desktop-drawer__Hideable-sc-3qwbjs-1 desktop-drawer__Section-sc-3qwbjs-5 kLtgsy eMNdJy"><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Trade</h3><ul><li><a alt="How Do Savings Bonds Work" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/savings-bonds-guide/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How Do Savings Bonds Work</span></div></a></li><li><a alt="ETFs vs Stocks" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/stocks-vs-etfs/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>ETFs vs Stocks</span></div></a></li><li><a alt="Best Online Brokers" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-online-brokers/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Online Brokers</span></div></a></li><li><a alt="Best Investing Apps" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-investing-apps/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Investing Apps</span></div></a></li><li><a alt="Best Index Funds" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-index-funds/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Index Funds</span></div></a></li><li><a alt="Robinhood Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/robinhood-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Robinhood Review</span></div></a></li><li><a alt="J.P. Morgan Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/jp-morgan-investing-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>J.P. Morgan Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Retirement</h3><ul><li><a alt="How to Plan for Retirement" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-plan-for-retirement/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Plan for Retirement</span></div></a></li><li><a alt="What Is A Roth 401(k)" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/what-is-a-roth-401-k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is A Roth 401(k)</span></div></a></li><li><a alt="Average 401(k) Return" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/average-return-rate-on-401k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Average 401(k) Return</span></div></a></li><li><a alt="What Is a Backdoor Roth IRA" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/backdoor-roth-ira/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>What Is a Backdoor Roth IRA</span></div></a></li><li><a alt="Best Roth IRA Accounts" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-roth-ira-accounts/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Roth IRA Accounts</span></div></a></li><li><a alt="Empower Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/empower-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Empower Review</span></div></a></li><li><a alt="M1 Finance Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/m1-finance-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>M1 Finance Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Alternative</h3><ul><li><a alt="How to Invest in Real Estate" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-in-real-estate/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest in Real Estate</span></div></a></li><li><a alt="Types of Real Estate Investments" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/types-of-real-estate-investments/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Types of Real Estate Investments</span></div></a></li><li><a alt="How to Invest In Art" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-in-art/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest In Art</span></div></a></li><li><a alt="Best Alternative Investments" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/alternative-investments/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Alternative Investments</span></div></a></li><li><a alt="YieldStreet Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/yieldstreet-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>YieldStreet Review</span></div></a></li><li><a alt="RealtyMogul Review" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/realtymogul-review/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>RealtyMogul Review</span></div></a></li></ul></div><div class="list__Container-sc-1xu0ja5-0 iqJrft"><h3 class="list__Header-sc-1xu0ja5-1 TUAWb menu-section-title">Strategies</h3><ul><li><a alt="Best Investments for Beginners" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-investments-for-beginners/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Investments for Beginners</span></div></a></li><li><a alt="Best Long Term Investments" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/best-long-term-investments/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>Best Long Term Investments</span></div></a></li><li><a alt="How to Invest $1,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/ways-to-invest-1k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $1,000</span></div></a></li><li><a alt="How to Invest $10,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/ways-to-invest-10k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $10,000</span></div></a></li><li><a alt="How to Invest $20,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" href="/personal-finance/article/how-to-invest-20k/"><div class="list-item___StyledDiv-sc-1om8alm-1 fmzLYm"><span>How to Invest $20,000</span></div></a></li><li><a alt="How to Invest $50,000" class="list-item__Link-sc-1om8alm-0 dEAiPb" 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class="MuiBreadcrumbs-li"><a class="link" href="/personal-finance/category/banking/">Banking</a></li></ol></nav><h1 class="hero___StyledH-sc-1ah6dyf-2 eufWfI">Discover Bank Review 2024</h1></div><div class="hero___StyledDiv2-sc-1ah6dyf-3 jppBqK"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained hero__Image-sc-1ah6dyf-0 fjeKhV"><div style="max-width:909px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;548&#x27;%20width=&#x27;909&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#181818;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" 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909w,/personal-finance/static/ba7518b157dd43ee72ac077c8b01929e/fd8bd/discover-bank-review.jpg 1818w" alt="discover bank review"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/ba7518b157dd43ee72ac077c8b01929e/ac7b5/discover-bank-review.webp 227w,/personal-finance/static/ba7518b157dd43ee72ac077c8b01929e/ccd9b/discover-bank-review.webp 455w,/personal-finance/static/ba7518b157dd43ee72ac077c8b01929e/fcc1d/discover-bank-review.webp 909w,/personal-finance/static/ba7518b157dd43ee72ac077c8b01929e/e77f0/discover-bank-review.webp 1818w" sizes="(min-width: 909px) 909px, 100vw"/><img data-gatsby-image-ssr="" data-main-image="" style="opacity:0" sizes="(min-width: 909px) 909px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/ba7518b157dd43ee72ac077c8b01929e/8ae18/discover-bank-review.jpg" srcSet="/personal-finance/static/ba7518b157dd43ee72ac077c8b01929e/601ad/discover-bank-review.jpg 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class="image-credit___StyledDiv-sc-19n6y7h-0 fsbWzQ image-credit">iStock</div></div></main></div></div><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation0 default-layout__Paper-sc-16blu7k-2 hBinPW css-zmnxdm"><div class="default-layout__Container-sc-16blu7k-3 jkivry"><main class="default-layout__Main-sc-16blu7k-1 fTECoJ"><div class="article-template___StyledDiv-sc-53h2j6-0 gQgIsO"><div class="sc-ddjGPC bQPEoy"><div class="mdx-styled-renderer___StyledDiv-sc-1occper-0 mUBHZ"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation0 text-block__Paper-sc-lt00f8-0 fmvTfJ text-block__TextBlock-sc-1jvm6pm-0 jxoTFa alt-editors-note css-zmnxdm"><p>Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created by TIME Stamped, under TIME’s direction and produced in accordance with TIME’s editorial guidelines and overseen by TIME’s editorial staff. <a href="https://time.com/longform/about-time/" target="_self" rel="alternate">Learn more about it</a>.</p></div></div><div class="article-details___StyledDiv-sc-iyfyqp-2 cHOVSZ"><div class="article-details__AuthorContainer-sc-iyfyqp-1 jbhuiS"><div class="article-details___StyledDiv2-sc-iyfyqp-3 csKPLZ"><span class="article-details___StyledSpan-sc-iyfyqp-4 iUjgwn"><div class="author author__AuthorBlock-sc-1p9suag-0 article-details__AuthorBlock-sc-iyfyqp-0 fOCth bJMeeh"><div class="name"><span role="link" tabindex="0"><span class="label-prefix">by<!-- --> </span><a href="/personal-finance/author/kevin-mercadante/">Kevin Mercadante</a></span></div></div><a title="Kevin Mercadante X account" aria-label="Go to Kevin Mercadante X account" class="article-details___StyledExternalLink-sc-iyfyqp-5 kKQLGV" href="https://x.com/outofyourrut/" target="_blank" rel="nofollow"><svg xmlns="http://www.w3.org/2000/svg" width="15" height="15" fill="none" aria-hidden="true" viewBox="0 0 1200 1227" class="article-details___StyledFaTwitter-sc-iyfyqp-6 bvGzmI"><path fill="#000" d="M714.163 519.284 1160.89 0h-105.86L667.137 450.887 357.328 0H0l468.492 681.821L0 1226.37h105.866l409.625-476.152 327.181 476.152H1200L714.137 519.284zM569.165 687.828l-47.468-67.894-377.686-540.24h162.604l304.797 435.991 47.468 67.894 396.2 566.721H892.476L569.165 687.854z"></path></svg></a></span></div><div class="sc-bypJrT hhqlYB display-date"><span><span class="label-prefix">updated:<!-- --> </span><span>November 21, 2024</span></span></div></div></div><div class="mdx-styled-renderer___StyledDiv-sc-1occper-0 mUBHZ sc-dSCufp hVIXKq"><p>Discover® is best known for its lineup of rewards credit cards, which are some of the best in the business. But did you also know that you can earn high interest, and even cash back rewards, on deposit accounts at Discover® Bank?</p> <p>Discover® Bank doesn’t pay the highest rates on any particular account. But what sets this bank apart is that it pays high interest on all its savings accounts and on most certificates of deposit (CDs). In addition, the bank charges very few fees. And if that isn’t enough, checking and savings accounts have no minimum deposit or balance requirements.</p> <p>That’s why Discover® Bank is worth investigating for anyone looking for a new place to bank.</p> <h2 id="who-is-discover-bank-for">Who is Discover® Bank for?</h2> <p>Discover® Bank is a good choice for anyone who is looking to earn higher interest on deposit accounts than what is typically offered at brick-and-mortar banks. Discover pays above-average interest on nearly all account types. But where it shines most is with its online savings account, which pays high interest on all account balances, and its CDs.</p> <p>Discover® Bank also has an excellent checking account, offering cash back rewards on purchases made with the debit card. The account doesn’t pay interest, but there are no fees or minimum-balance requirements.</p> <p>In addition, Discover® offers some of the best credit cards in the industry. If you have one of those cards, Discover® Bank can be a natural choice to open a savings account to earn high interest or a checking account with cash back rewards.</p> <h2 id="review-of-discover-products">Review of Discover® products</h2> <p>Here’s a closer look at the products Discover® offers.</p> <hr/> <h3>Discover® Checking Account</h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Discover® Checking Account</h3></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Discover® Checking Account</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value">1% in cash back on up to $3,000 in debit card purchases each month</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value">$0</div></div></div></div></div></div><div class="section-3"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root MuiAccordion-rounded MuiAccordion-gutters accordion__AccordionWrapper-sc-z1an4d-0 cgQeny accordion-wrapper css-1aj41gs"><div class="MuiButtonBase-root MuiAccordionSummary-root MuiAccordionSummary-gutters accordion-summary css-1oqimao" tabindex="0" role="button" aria-expanded="false"><div class="MuiAccordionSummary-content MuiAccordionSummary-contentGutters css-l0jafl"><h3 class="accordion-title">Pros &amp; cons:</h3></div><div class="MuiAccordionSummary-expandIconWrapper css-1fx8m19"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z"></path></svg></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root accordion___StyledAccordionDetails-sc-z1an4d-1 caWSLJ accordion-details css-u7qq7e"><div class="multi-list__StyledMultiList-sc-1ixx0ao-0 gZfbG multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Earn 1% cash back rewards on debit card purchases.</li> <li>No minimum initial deposit or account-balance requirements.</li> <li>No monthly service fees, NSF fees, or overdraft fees.</li> <li>Paper checks available on request.</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>No branch locations.</li> <li>Account is not interest-bearing.</li> </ul></div></div></div></div></div></div></div></div></div></div></div></div> <p>The Discover® Checking Account comes with the Discover It® Cash Back debit card, which pays 1% in cash back on up to $3,000 in debit card purchases each month.That adds up to $30 each month, or as much as $360 per year.</p> <p>The account requires no minimum initial deposit and no ongoing minimum balance. And though it pays no interest, there are no monthly service fees, non-sufficient funds (NSF) fees, or overdraft fees.</p> <p><strong>RELATED:</strong> <strong><a href="https://time.com/personal-finance/article/the-best-checking-accounts/" target="_self" rel="alternate">Best checking accounts</a></strong></p> <p>Why we recommend it: Relatively few banks offer debit cards providing cash back rewards. Not only does the Discover It® Cash Back debit card pay 1% cash back on up to $3,000 in purchases each month, but there is no minimum deposit or balance requirements and practically no fees.</p> <p><strong>Discover® Checking Account alternatives</strong></p> <div class="wrapper__Wrapper-sc-1egiqiw-0 PMQER wrapper__StyledTableWrapper-sc-19sqecr-0 htiPeu"><table class="wrapper__Table-sc-1egiqiw-1 lbkqJX not-prose"><thead class="wrapper__Thead-sc-1egiqiw-2 hnJhDm"><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh-sc-1egiqiw-5 fGplBW kbAJjb table-header"></th><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh2-sc-1egiqiw-4 fGplBW jCmDqg table-header"><div class="table-field___StyledProductImage-sc-wwy2wk-1 dYetAC product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover® Checking Account" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover® Checking Account"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover® Checking Account" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover® Checking Account"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of 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style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#080808;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/4cf61/axos.webp 140w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/514b4/axos.webp 280w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/a8374/axos.webp 560w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/57d28/axos.webp 1120w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Axos Rewards Checking" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/3bdde/axos.png" 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src="/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/3bdde/axos.png" srcSet="/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/fcb50/axos.png 140w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/dd079/axos.png 280w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/3bdde/axos.png 560w,/personal-finance/static/1f91b2ec1cab3e16511a3bd70f73d196/a8f08/axos.png 1120w" alt="Axos Rewards Checking"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div></a></th><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh2-sc-1egiqiw-4 fGplBW jCmDqg table-header"><a class="affiliate-link-banner" href="https://secure.money.com/pr/dd5f491804c7?s1=TIME" target="_blank" rel="nofollow"><div class="table-field___StyledProductImage-sc-wwy2wk-1 dYetAC product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#08a8d8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/4cf61/sofi-logo.webp 140w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/514b4/sofi-logo.webp 280w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/a8374/sofi-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Sofi Online Checking Account" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/3bdde/sofi-logo.png" data-srcset="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/fcb50/sofi-logo.png 140w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/dd079/sofi-logo.png 280w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/3bdde/sofi-logo.png 560w" alt="Sofi Online Checking Account"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/4cf61/sofi-logo.webp 140w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/514b4/sofi-logo.webp 280w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/a8374/sofi-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Sofi Online Checking Account" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/3bdde/sofi-logo.png" srcSet="/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/fcb50/sofi-logo.png 140w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/dd079/sofi-logo.png 280w,/personal-finance/static/db54106cc645ed6fa069cf86ae01073d/3bdde/sofi-logo.png 560w" alt="Sofi Online Checking Account"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div></a></th></tr></thead><tbody><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Account</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Discover® Checking Account</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://click.linksynergy.com/fs-bin/click?id=gfjPCdU7qBg&amp;offerid=1585779.18&amp;subid=0&amp;type=3" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Axos Rewards Checking</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://secure.money.com/pr/dd5f491804c7?s1=TIME" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Sofi Online Checking Account</div></div></a></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">APY*</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">1% in cash back on up to $3,000 in debit card purchases each month</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">Up to 3.30%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">0.50% (though 4.20% can be earned on savings account balances)</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Min. deposit</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$0</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Monthly fee</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row"></th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN cta field"><div class="value"></div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://click.linksynergy.com/fs-bin/click?id=gfjPCdU7qBg&amp;offerid=1585779.18&amp;subid=0&amp;type=3" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://secure.money.com/pr/dd5f491804c7?s1=TIME" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></td></tr></tbody></table></div> <hr/> <h3><a class="affiliate-link-link" href="https://goto.discover.com/c/2654511/661488/9289?SharedId=TIME&amp;adcampaignid=337961653&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow">Discover® Online Savings Account</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Discover® Online Savings Account</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://goto.discover.com/c/2654511/661488/9289?SharedId=TIME&amp;adcampaignid=337961653&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Discover® Online Savings Account</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value">3.90%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-balance-to-earn-apy field"><div class="title">Min. balance to earn APY</div><div class="value">$0.01</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value">$0</div></div></div></div></div></div><div class="section-3"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root MuiAccordion-rounded MuiAccordion-gutters accordion__AccordionWrapper-sc-z1an4d-0 cgQeny accordion-wrapper css-1aj41gs"><div class="MuiButtonBase-root MuiAccordionSummary-root MuiAccordionSummary-gutters accordion-summary css-1oqimao" tabindex="0" role="button" aria-expanded="false"><div class="MuiAccordionSummary-content MuiAccordionSummary-contentGutters css-l0jafl"><h3 class="accordion-title">Pros &amp; cons:</h3></div><div class="MuiAccordionSummary-expandIconWrapper css-1fx8m19"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z"></path></svg></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root accordion___StyledAccordionDetails-sc-z1an4d-1 caWSLJ accordion-details css-u7qq7e"><div class="multi-list__StyledMultiList-sc-1ixx0ao-0 gZfbG multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Pays high interest on all account balances.</li> <li>No minimum initial deposit or account-balance requirements.</li> <li>No monthly service fees or fees for excessive withdrawals, insufficient funds, or deposited items returned.</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>Does not provide ATM access.</li> <li>It isn’t the highest-yielding savings account, but it’s not far below either.</li> </ul></div></div></div></div></div></div></div></div></div></div></div></div> <p>The <a class="affiliate-link-link" href="https://goto.discover.com/c/2654511/661488/9289?SharedId=TIME&amp;adcampaignid=337961653&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow">Discover® Online Savings Account</a> pays <!-- -->3.90%<!-- --> APY on all balances. Not only is there no minimum balance requirement, but there are practically no fees connected to the account. Interest is compounded daily and credited monthly.</p> <p><strong>RELATED: <a href="/personal-finance/article/the-best-high-yield-savings-accounts/" target="_self" rel="alternate">Best high yield savings accounts</a></strong></p> <p>Why we recommend it: The <a class="affiliate-link-link" href="https://goto.discover.com/c/2654511/661488/9289?SharedId=TIME&amp;adcampaignid=337961653&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow">Discover® Online Savings Account</a> is a good choice because it combines a high APY on all balances, with no minimum balance requirements and practically no fees.</p> <p><strong>Discover® Online Savings alternatives</strong></p> <div class="wrapper__Wrapper-sc-1egiqiw-0 PMQER wrapper__StyledTableWrapper-sc-19sqecr-0 htiPeu"><table class="wrapper__Table-sc-1egiqiw-1 lbkqJX not-prose"><thead class="wrapper__Thead-sc-1egiqiw-2 hnJhDm"><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh-sc-1egiqiw-5 fGplBW kbAJjb table-header"></th><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh2-sc-1egiqiw-4 fGplBW jCmDqg table-header"><a class="affiliate-link-banner" href="https://goto.discover.com/c/2654511/661488/9289?SharedId=TIME&amp;adcampaignid=337961653&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow"><div class="table-field___StyledProductImage-sc-wwy2wk-1 dYetAC product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover® Online Savings Account" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 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src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#080808;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/abccc3b77746080f69218245e6450307/4cf61/so-fi-checking-and-savings.webp 140w,/personal-finance/static/abccc3b77746080f69218245e6450307/514b4/so-fi-checking-and-savings.webp 280w,/personal-finance/static/abccc3b77746080f69218245e6450307/a8374/so-fi-checking-and-savings.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="SoFi Savings" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" 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t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div></a></th></tr></thead><tbody><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Account</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://goto.discover.com/c/2654511/661488/9289?SharedId=TIME&amp;adcampaignid=337961653&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Discover® Online Savings Account</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://www.tkqlhce.com/click-100814497-15491014" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">CIT Bank Platinum Savings</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://secure.money.com/pr/q4eb86292038?s1=TIME" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">SoFi Savings</div></div></a></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">APY*</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">3.90%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">4.55%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">Up to 4.20%</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Min. deposit</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$100</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$0</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Min. balance to earn APY</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-balance-to-earn-apy field"><div class="value">$0.01</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-balance-to-earn-apy field"><div class="value">$5,000</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-balance-to-earn-apy field"><div class="value">$0.01</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Monthly fee</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row"></th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://goto.discover.com/c/2654511/661488/9289?SharedId=TIME&amp;adcampaignid=337961653&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://www.tkqlhce.com/click-100814497-15491014" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://secure.money.com/pr/q4eb86292038?s1=TIME" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></td></tr></tbody></table></div> <hr/> <h3>Discover® Money Market Account</h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Discover® Money Market Account</h3></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Discover® Money Market Account</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value"><p>3.70% for balances under $100,000</p> <p>3.75% for balances over $100,000</p></div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-balance-to-earn-apy field"><div class="title">Min. balance to earn APY</div><div class="value">$0</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value"><p>$0 on account</p> <p>$30 for wire transfer</p> <p>ATM fee if outside ATM network</p></div></div></div></div></div></div><div class="section-3"><div class="MuiPaper-root MuiPaper-elevation MuiPaper-rounded MuiPaper-elevation1 MuiAccordion-root MuiAccordion-rounded MuiAccordion-gutters accordion__AccordionWrapper-sc-z1an4d-0 cgQeny accordion-wrapper css-1aj41gs"><div class="MuiButtonBase-root MuiAccordionSummary-root MuiAccordionSummary-gutters accordion-summary css-1oqimao" tabindex="0" role="button" aria-expanded="false"><div class="MuiAccordionSummary-content MuiAccordionSummary-contentGutters css-l0jafl"><h3 class="accordion-title">Pros &amp; cons: </h3></div><div class="MuiAccordionSummary-expandIconWrapper css-1fx8m19"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z"></path></svg></div></div><div class="MuiCollapse-root MuiCollapse-vertical MuiCollapse-hidden css-a0y2e3" style="min-height:0px"><div class="MuiCollapse-wrapper MuiCollapse-vertical css-hboir5"><div class="MuiCollapse-wrapperInner MuiCollapse-vertical css-8atqhb"><div role="region" class="MuiAccordion-region"><div class="MuiAccordionDetails-root accordion___StyledAccordionDetails-sc-z1an4d-1 caWSLJ accordion-details css-u7qq7e"><div class="multi-list__StyledMultiList-sc-1ixx0ao-0 gZfbG multi-list pros-and-cons multi-list__StyledMultiList-sc-jcbe35-0 hhyQUr"><div class="list"><h4 class="title">Pros:</h4><div class="content"><ul> <li>Pays very competitive interest.</li> <li>No monthly service fees or fees for excessive withdrawals, insufficient funds, or deposited items returned.</li> <li>Multiple ways to access funds.</li> <li>No initial or ongoing deposit requirement.</li> </ul></div></div><div class="list"><h4 class="title">Cons:</h4><div class="content"><ul> <li>There are other money market accounts paying higher interest.</li> </ul></div></div></div></div></div></div></div></div></div></div></div></div> <p>The Discover® Money Market Account pays a competitive interest rate for all balances, including a slightly higher rate for accounts $100,000 and over. Like other Discover® deposit accounts, the account comes with practically no fees.</p> <p>You can access funds using standard checks, official bank checks, or your debit card. You can even use the account to make payments through online bill pay.</p> <p><strong>LEARN MORE: <a href="https://time.com/personal-finance/article/best-money-market-accounts/" target="_self" rel="alternate">Best Money-Market Accounts </a></strong></p> <p>Why we recommend it: Pays high interest on all account balances and charges practically no fees. The account also offers multiple ways to access your funds, comparable to a checking account.</p> <p><strong>Discover® MMA alternative</strong></p> <div class="wrapper__Wrapper-sc-1egiqiw-0 PMQER wrapper__StyledTableWrapper-sc-19sqecr-0 htiPeu"><table class="wrapper__Table-sc-1egiqiw-1 lbkqJX not-prose"><thead class="wrapper__Thead-sc-1egiqiw-2 hnJhDm"><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh-sc-1egiqiw-5 fGplBW kbAJjb table-header"></th><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh2-sc-1egiqiw-4 fGplBW jCmDqg table-header"><div class="table-field___StyledProductImage-sc-wwy2wk-1 dYetAC product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover® Money Market Account" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover® Money Market Account"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover® Money Market Account" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover® Money Market Account"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div></th><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh2-sc-1egiqiw-4 fGplBW jCmDqg table-header"><a class="affiliate-link-banner" href="https://click.linksynergy.com/fs-bin/click?bids=1019123.5&amp;id=gfjPCdU7qBg&amp;offerid=1019123.5&amp;subid=0&amp;type=3" target="_blank" rel="nofollow"><div class="table-field___StyledProductImage-sc-wwy2wk-1 dYetAC product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><img data-gatsby-image-ssr="" title="Quontic Money Market Account" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 280px) 280px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/514b4/quontic.webp" data-srcset="/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/ea2e5/quontic.webp 70w,/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/4cf61/quontic.webp 140w,/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/514b4/quontic.webp 280w" alt="Quontic Money Market Account"/><noscript><img data-gatsby-image-ssr="" title="Quontic Money Market Account" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 280px) 280px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/514b4/quontic.webp" srcSet="/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/ea2e5/quontic.webp 70w,/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/4cf61/quontic.webp 140w,/personal-finance/static/a0e462c31b29c19aec5380d3489ba24d/514b4/quontic.webp 280w" alt="Quontic Money Market Account"/></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div></a></th></tr></thead><tbody><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Title</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Discover® Money Market Account</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://click.linksynergy.com/fs-bin/click?bids=1019123.5&amp;id=gfjPCdU7qBg&amp;offerid=1019123.5&amp;subid=0&amp;type=3" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Quontic Money Market Account</div></div></a></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">APY*</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value"><p>3.70% for balances under $100,000</p> <p>3.75% for balances over $100,000</p></div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">4.75%</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Min. deposit</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$100</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Min. balance to earn APY</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-balance-to-earn-apy field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-balance-to-earn-apy field"><div class="value">$0</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row"></th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN cta field"><div class="value"></div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://click.linksynergy.com/fs-bin/click?bids=1019123.5&amp;id=gfjPCdU7qBg&amp;offerid=1019123.5&amp;subid=0&amp;type=3" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></td></tr></tbody></table></div> <hr/> <h3><a class="affiliate-link-link" href="https://goto.discover.com/c/2654511/661499/9289?SharedId=TIME&amp;adcampaignid=337961719&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow">Discover® CDs</a></h3> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Discover® CDs</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://goto.discover.com/c/2654511/661499/9289?SharedId=TIME&amp;adcampaignid=337961719&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Discover® CDs</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apy field"><div class="title">APY*</div><div class="value">Up to 4.10%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX term field"><div class="title">Term</div><div class="value">3 months to 10 years</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-deposit field"><div class="title">Min. deposit</div><div class="value">None</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX monthly-fee field"><div class="title">Monthly fee</div><div class="value">$0</div></div></div></div></div></div><div class="section-3"></div></div></div> <p>Terms of <a class="affiliate-link-link" href="https://goto.discover.com/c/2654511/661499/9289?SharedId=TIME&amp;adcampaignid=337961719&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow">Discover® CDs</a> range from three months to 10 years. Interest rates range between 2.00% and 4.10% APY. <a class="affiliate-link-link" href="https://goto.discover.com/c/2654511/661499/9289?SharedId=TIME&amp;adcampaignid=337961719&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow">Discover® CDs</a> extend the high rates on the longest terms, including the seven and 10-year certificates. Most other banks pay high rates on short-term CDs, and much lower ones on CDs beyond five years if they even offer terms that long.</p> <p>There is no minimum initial investment for Discover® CDs.</p> <p><strong>RELATED: <a href="https://time.com/personal-finance/article/best-cd-rates/" target="_self" rel="alternate">Best CD rates</a></strong></p> <p>Why we recommend it: <a class="affiliate-link-link" href="https://goto.discover.com/c/2654511/661499/9289?SharedId=TIME&amp;adcampaignid=337961719&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow">Discover® CDs</a> yield higher interest on a larger number of maturities than those offered by most competing banks. There is no minimum deposit required for <a class="affiliate-link-link" href="https://goto.discover.com/c/2654511/661499/9289?SharedId=TIME&amp;adcampaignid=337961719&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow">Discover </a> CDs.</p> <p><strong>Discover® CDs alternative</strong></p> <div class="wrapper__Wrapper-sc-1egiqiw-0 PMQER wrapper__StyledTableWrapper-sc-19sqecr-0 htiPeu"><table class="wrapper__Table-sc-1egiqiw-1 lbkqJX not-prose"><thead class="wrapper__Thead-sc-1egiqiw-2 hnJhDm"><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh-sc-1egiqiw-5 fGplBW kbAJjb table-header"></th><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh2-sc-1egiqiw-4 fGplBW jCmDqg table-header"><a class="affiliate-link-banner" href="https://goto.discover.com/c/2654511/661499/9289?SharedId=TIME&amp;adcampaignid=337961719&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow"><div class="table-field___StyledProductImage-sc-wwy2wk-1 dYetAC product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;200&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#f8f8f8;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover® 1-Year CD" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover® 1-Year CD"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 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t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div></a></th><th class="wrapper__Th-sc-1egiqiw-3 wrapper___StyledTh2-sc-1egiqiw-4 fGplBW jCmDqg table-header"><a class="affiliate-link-banner" href="https://secure.money.com/pr/m3b6e2340d76?s1=TIME" target="_blank" rel="nofollow"><div class="table-field___StyledProductImage-sc-wwy2wk-1 dYetAC product-image"><div data-gatsby-image-wrapper="" class="gatsby-image-wrapper gatsby-image-wrapper-constrained"><div style="max-width:560px;display:block"><img alt="" role="presentation" aria-hidden="true" src="data:image/svg+xml;charset=utf-8,%3Csvg%20height=&#x27;199.73333333333335&#x27;%20width=&#x27;560&#x27;%20xmlns=&#x27;http://www.w3.org/2000/svg&#x27;%20version=&#x27;1.1&#x27;%3E%3C/svg%3E" style="max-width:100%;display:block;position:static"/></div><div aria-hidden="true" data-placeholder-image="" style="opacity:1;transition:opacity 500ms linear;background-color:#080808;position:absolute;top:0;left:0;bottom:0;right:0"></div><picture><source type="image/webp" data-srcset="/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/c6859/bread-savings.webp 75w,/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/7acc9/bread-savings.webp 150w,/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/8bde7/bread-savings.webp 300w" sizes="(min-width: 300px) 300px, 100vw"/><img data-gatsby-image-ssr="" title="Bread Savings 1 Year CD" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 300px) 300px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/a9bba/bread-savings.png" data-srcset="/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/6ad78/bread-savings.png 75w,/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/0dcdb/bread-savings.png 150w,/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/a9bba/bread-savings.png 300w" alt="Bread Savings 1 Year CD"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/c6859/bread-savings.webp 75w,/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/7acc9/bread-savings.webp 150w,/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/8bde7/bread-savings.webp 300w" sizes="(min-width: 300px) 300px, 100vw"/><img data-gatsby-image-ssr="" title="Bread Savings 1 Year CD" width="280" height="100" data-main-image="" style="opacity:0" sizes="(min-width: 300px) 300px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/a9bba/bread-savings.png" srcSet="/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/6ad78/bread-savings.png 75w,/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/0dcdb/bread-savings.png 150w,/personal-finance/static/0c5ecbc5d5a5c1dfb5c2793a25adf01f/a9bba/bread-savings.png 300w" alt="Bread Savings 1 Year CD"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div></a></th></tr></thead><tbody><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Account</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://goto.discover.com/c/2654511/661499/9289?SharedId=TIME&amp;adcampaignid=337961719&amp;adid=Content&amp;partnerpropertyid=4152847" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Discover CDs</div></div></a></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><a class="affiliate-link-link" href="https://secure.money.com/pr/m3b6e2340d76?s1=TIME" target="_blank" rel="nofollow"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN name field"><div class="value">Bread Savings CDs</div></div></a></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">APY*</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">4.10%</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN apy field"><div class="value">4.30%</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Term</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN term field"><div class="value">1 Year</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN term field"><div class="value">1 Year</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Min. deposit</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">None</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN min-deposit field"><div class="value">$1,500</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row">Monthly fee</th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><div class="field__StyledField-sc-70i2am-0 gdQUUu table-field__Field-sc-wwy2wk-0 bihmpN monthly-fee field"><div class="value">$0</div></div></td></tr><tr class="table-row"><th class="wrapper__Th-sc-1egiqiw-3 fGplBW table-secondary-header" scope="row"></th><td class="card__Td-sc-a2uqyv-0 kPvALb table-cell"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" 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Offer</span></a></span></td></tr></tbody></table></div> <hr/> <h3>Other Discover® products</h3> <h4>IRAs</h4> <p>Discover® offers CDs for IRAs with rates and terms comparable to their ordinary CDs.There is a minimum investment of $2,500. The IRA Savings Account currently pays 3.90% APY, with no fees and no minimum deposit requirements. Both traditional and Roth IRAs are available.</p> <p><strong>RELATED: <a href="https://time.com/personal-finance/article/best-roth-ira-accounts/" target="_self" rel="alternate">Best Roth IRA Accounts</a></strong></p> <h4>Credit cards</h4> <p>Discover® offers seven different credit cards, under the “Discover It®” label. This includes two student credit cards and a <a href="https://time.com/personal-finance/article/best-secured-credit-cards/" target="_self" rel="alternate">secured card</a> to help build or rebuild credit. Discover® credit cards are popular for generous cash back rewards and no annual fee.</p> <p><strong>RELATED: <a href="https://time.com/personal-finance/article/the-best-credit-cards/" target="_self" rel="alternate">Best Credit Cards</a></strong></p> <h4>Loans</h4> <p>Discover® offers <a href="https://time.com/personal-finance/article/student-loan-interest-rates/" target="_self" rel="alternate">student loans</a>, <a href="https://time.com/personal-finance/article/best-personal-loan-rates/" target="_self" rel="alternate">personal loans</a>, mortgages, and <a href="https://time.com/personal-finance/article/best-heloc-rates/" target="_self" rel="alternate">home equity loans</a>.</p> <div class="wrapper__StyledWrapper-sc-v8tnl8-0 dHvzgH wrapper"><div class="card__Wrapper-sc-1ot7p5b-0 hevEvL card__StyledProductCardDefaultUI-sc-1njn2jf-0 kwiAGQ"><div class="best-for-wrapper"></div><div class="card-content"><div class="card-header"><div class="card-header-title"><div class="product-image"><div 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data-gatsby-image-ssr="" title="Discover" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" data-src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" data-srcset="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover"/></picture><noscript><picture><source type="image/webp" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/4cf61/discover-deposits-logo.webp 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/514b4/discover-deposits-logo.webp 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/a8374/discover-deposits-logo.webp 560w" sizes="(min-width: 560px) 560px, 100vw"/><img data-gatsby-image-ssr="" title="Discover" data-main-image="" style="opacity:0" sizes="(min-width: 560px) 560px, 100vw" decoding="async" loading="lazy" src="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg" srcSet="/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/0b113/discover-deposits-logo.jpg 140w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/2a5f6/discover-deposits-logo.jpg 280w,/personal-finance/static/797049ea40ccd33d9f09be1c83eb285c/af41e/discover-deposits-logo.jpg 560w" alt="Discover"/></picture></noscript><script type="module">const t="undefined"!=typeof HTMLImageElement&&"loading"in HTMLImageElement.prototype;if(t){const t=document.querySelectorAll("img[data-main-image]");for(let e of t){e.dataset.src&&(e.setAttribute("src",e.dataset.src),e.removeAttribute("data-src")),e.dataset.srcset&&(e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset"));const t=e.parentNode.querySelectorAll("source[data-srcset]");for(let e of t)e.setAttribute("srcset",e.dataset.srcset),e.removeAttribute("data-srcset");e.complete&&(e.style.opacity=1,e.parentNode.parentNode.querySelector("[data-placeholder-image]").style.opacity=0)}}</script></div></div><h3 class="product-title">Discover® Bank</h3></div><div class="button-container"><span class="affiliate-link__ButtonContainer-sc-1rrvr5-1 dtYZoC"><a class="MuiButtonBase-root MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary MuiButton-root MuiButton-contained MuiButton-containedPrimary MuiButton-sizeSmall MuiButton-containedSizeSmall MuiButton-colorPrimary button-wrapper__Button-sc-14zhkb9-0 bDOJJg affiliate-link__LinkButton-sc-1rrvr5-0 iMkbHM affiliate-link-button product-button__StyledCTA-sc-12r0m5o-0 iEqSFz css-1lpukdo" tabindex="0" href="https://fiona.com/partner/timecom-bridge-loans/loans?bridge_partner=discover" target="_blank" rel="nofollow"><span class="MuiButton-label">View Offer</span></a></span></div></div><div class="card-details"><div class="best-for-wrapper"></div><h3 class="product-title">Discover® Bank</h3><div class="fields-wrapper"><div class="fields-section section-1"><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX apr field"><div class="title">APR</div><div class="value">7.99% to 24.99%</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX loan-amount field"><div class="title">Loan amount</div><div class="value">$2,500 to $40,000</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX term field"><div class="title">Term</div><div class="value">36 to 84 months</div></div><div class="field__StyledField-sc-70i2am-0 gdQUUu card__Field-sc-1ot7p5b-1 ettjkX min-credit-score field"><div class="title">Min. credit score</div><div class="value">660</div></div></div></div></div></div><div class="section-3"></div></div></div> <h2 id="review-of-discover-features">Review of Discover® features</h2> <h3>ATM network</h3> <p>Discover® Bank participates in the Allpoint and MoneyPass networks, giving depositors access to more than 60,000 fee-free ATMs across the U.S..</p> <h3>Bank fees</h3> <p>Discover® Bank doesn’t have the usual fees associated with deposit accounts, like monthly service charges, NSF, and overdraft fees. The only fee Discover® Bank charges is $30 for outgoing wire fees.</p> <p>CDs, like most, are subject to early-withdrawal penalties:</p> <ul> <li>Term of &lt;1 year: 3 months simple interest.</li> <li>1 to &lt;4 years: 6 months simple interest.</li> <li>4 to &lt;5 years: 9 months simple interest.</li> <li>5 to &lt;7 years: 18 months simple interest.</li> <li>7 years or greater: 24 months simple interest.</li> </ul> <h3>Security</h3> <p>Since Discover®Bank operates entirely online, the bank uses multiple strategies to maintain security. This includes encryption technology to prevent unauthorized access to your information and regular monitoring of your account for potential fraud.</p> <p>Discover® Bank will automatically send you an ID code by text or phone to verify your identity if you are attempting to log into your account from an unrecognized device. You can also add optional security steps, such as account alerts and mobile fingerprint login.</p> <p>All deposit accounts are insured by the Federal Deposit Insurance Corporation</p> <p>(FDIC) for up to $250,000 per depositor.</p> <h3>Customer service</h3> <p>Customer service is available by toll-free phone, 24/7, at 1(800) 347-7000.</p> <h3>UI/technology</h3> <p>Discover® Bank offers online and mobile banking for both Android and iOS devices. The mobile app offers all the services of the online version, including paying bills online, transferring funds between accounts, and making mobile check deposits.</p> <p>You can send money to family and friends using Zelle and make payments with digital wallets when you add Apple Pay to your debit card.</p> <h2 id="more-about-discover-bank">More about Discover® Bank</h2> <h3>Who owns Discover® Bank?</h3> <p>Discover® Bank is owned by Discover Financial Services, which is a publicly traded company (NYSE: DFS).</p> <h3>Discover® Bank history and reputation</h3> <p>Discover® started with the Discover® Credit Card, which was created in 1985. At the time, Discover was part of Sears, Roebuck, and Co., and the card itself was launched nationally by the Dean Witter Financial Services Group subsidiary in 1986.</p> <p>In 1993, Dean Witter spun off from Sears, under an independent, publicly traded company, Dean Witter, Discover &amp; Co. Discover Financial Services came into existence in February 1999 and, in 2006, Discover was spun off to become the independent, publicly traded company it is today, operating as Discover Financial Services.</p> <p>The company enjoys a Better Business Bureau rating of A+, the agency’s highest rating. The mobile app has a rating of 4.6 out of 5 stars by more than 280,000 Android users, and 4.9 out of 5 stars by more than 4.2 million iOS users.</p> <h3>World presence</h3> <p>Similar to many online banks, Discover® Bank has no brick-and-mortar branch locations. Instead, you can take advantage of online and mobile banking, as well as deposit and access cash at more than 60,000 fee-free ATMs nationwide.</p> <h2 id="how-does-discover-bank-compare">How does Discover® Bank compare?</h2> <p>Discover® Bank stacks up well against the competition in all four major deposit account types— savings, money market accounts (MMAs), certificates of deposit (CDs), and checking accounts</p> <p>Based on our analysis below, Discover® Bank offers what we believe to be the most attractive checking account, with 1% cash back on debit card purchases, no fees, and no minimum deposit. That’s because the cash back provision has real potential to provide a larger benefit than the interest being paid on competitor accounts.</p> <h2 id="time-stamp-discover-bank-offers-attractive-deposit-accounts-and-credit-card-offerings">TIME Stamp: Discover® Bank offers attractive deposit accounts and credit card offerings</h2> <p>If you’re looking for a new deposit account, Discover® Bank should be on your shortlist. We believe they have one of the top checking accounts available and are close to the top performers with savings accounts, money market accounts, and CDs.</p> <p>Discover® is also a major player in the credit card arena, with the popular “Discover It®” series. The cards offer 5% cash back on revolving categories and unlimited 1% cash back on all other purchases. If you maintain one of these credit cards, you may appreciate the convenience of also having one or more high-yield deposit accounts with Discover® Bank.</p> <h2 id="frequently-asked-questions-faqs">Frequently asked questions (FAQs)</h2> <h3>How do you deposit cash into Discover® Bank?</h3> <p>Discover® Bank can accommodate deposits by mobile check deposit, cash, and check deposits at more than 60,000 fee-free ATMs, or by wire, ACH, or direct deposit. Discover® Bank has no physical bank branches.</p> <p>If you prefer, you can also mail checks to the following address:</p> <p>Discover® Bank<br/>P.O. Box 30417<br/>Salt Lake City, UT 84130</p> <h3>Where is Discover® Bank located?</h3> <p>Discover® Bank is headquartered in Riverwoods, Ill. It has regional operations centers around the country, but no branch locations.</p> <h3>Are there better rates than the Discover® Online Savings Account?</h3> <p>Quontic’s savings account pays slightly higher interest than Discover® Bank. CIT pays a higher rate than both banks—4.70% APY—but only on balances of $5,000 or more. Balances below $5,000 earn just 0.25%.</p></div><div class="disclaimer__Container-sc-oc4o57-0 bVJglG main___StyledDisclaimer-sc-ym2025-0 guBECT"><p>The information presented here is created by TIME Stamped and overseen by TIME editorial staff. 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November 2024</h2></a><h3 class="description">Banks and credit unions offer savings accounts for kids and teens to help them reach their financial goals. 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