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Can you deposit cash into discover checking account

Discover Bank is well known for its cash back credit cards with no annual fees, but the company also offers arguably the best free checking account in America. Three highlights of this account are no account fees, cash back on debit card purchases and free standard checks. I’ve had a checking account with Discover Bank since 2014. More recently, I opened 10 online checking accounts (including a second with Discover) to evaluate the best options for free checking right now. Most checking accounts don’t offer any cash back and pay little or no interest. Discover remains a top contender, but is this the right checking account for you? Officially named Discover Cashback Debit, this checking account features 1% cash back on up to S,000 in purchases every month. You can use your Discover debit card wherever you see the Discover symbol. But keep in mind that some stores only take debit or credit cards with a Visa or Mastercard logo. Personally, I put most purchases on a credit card so that I can earn more than 1% cash back. But if you’re in credit card debt or just prefer debit, Discover’s offer is hard to beat. After you’ve earned cash back, you can collect it whenever you want. If you write checks frequently or even just occasionally, you can save money by switching to an online bank like Discover that offers them free upon request. With Discover, you can order and reorder free personal checks in batches of 100. Quite a few online banks have eliminated paper checks, others will mail a check on your behalf and some will charge a small fee for a batch of checks. Few banks still provide truly free personal checks. If you don’t request checks from Discover, you won’t get them. If you find that you need a check, they’ll mail a check for you at no charge if you contact customer service. Discover Bank does not charge checking customers a monthly maintenance fee like most traditional banks. If you’ve been hit with any type of bank fee from your current bank, consider moving your money to an online bank. Discover and other online banks typically don’t have minimum balance requirements. In addition, Discover won’t even charge for insufficient funds or stop payment orders. Discover’s No-Fee List Also, using ATMs outside of the Discover partner networks may result in fees. If you use your Discover debit card to withdraw cash at more than 60,000 participating ATMs, you won’t have to pay any fees. Discover partners with the Allpoint and Money Pass networks. There has always been a no-fee ATM within walking distance from my home at places like CVS, Target, Walgreens and Walmart. If you withdraw cash from an ATM regularly, check Discover’s website before you sign up for an account to see if there are no-fee ATMs where you live, work and travel. Existing customers can search for nearby ATMs using the mobile app. To be clear, Discover will never charge you to use your debit card at an ATM. However, owners of out-of-network ATMs do charge fees and Discover won’t reimburse you. For international travelers, withdrawing cash may be more difficult. I’ve been unable to use my Discover debit card in Europe because Discover cards aren’t widely accepted overseas. If you frequently use ATMs outside of North America, this may not be the best checking account for you. Deposits at Discover Bank are FDIC insured, just like regular banks. This protects your insured deposits in the unlikely event that a bank fails. Here’s how to move money in and out of a Discover checking account: Deposits There are several ways to fund your Discover checking account: direct deposit, online transfers from another bank, mobile check deposit and mailing a check. Unfortunately, there’s no easy way to deposit cash. Discover Bank has no branches and ATM cash deposits aren’t allowed. There are a couple of workarounds if you need to deposit cash. You can get a cashier’s check from an in-person bank or credit union for a small fee and then use Discover’s mobile check deposit feature from the app. The second option is to buy a money order and mail it to Discover. Withdrawals To withdraw money from your Discover checking account, use an ATM, request cash back when paying with debit, transfer money to an external account, use bill pay, write a check or pay for a wire transfer. When you need cash, one downside is Discover’s relatively low daily ATM withdrawal limit of 0. I know from experience that the daily ATM withdrawal limit resets at midnight. So if you need S,000 in cash, you could take out 0 at p.m. Some ATMs have lower withdrawal limits, so you may need to visit multiple ATMs to get up to 0 per day. Discover Bank’s app and website are both user friendly. In addition to my two checking accounts with Discover, I have savings accounts and a credit card that I manage from the same login. If you’re not great about remembering usernames and passwords, you can use your fingerprint to log in to the app. The app is my preferred way to check balances, transfer money, deposit a check, pay bills and redeem cash back. Since Discover is an online bank, the only way to open a checking account is at I use the website when I need to download statements and tax documents. Although Discover Bank doesn’t have physical branches, it provides 24/7 customer support over the phone and by chat. When I opened a second Discover checking account to document the signup process, I noted that it took only about five minutes. Perhaps my favorite feature is Discover’s FICO Credit Scorecard, and it’s front and center. My debit card and checks arrived separately about a week later. The customer service representatives are very knowledgeable about the Cashback Debit Account, including some of the limitations that I’ve outlined in this review. If you have questions before signing up, call them and test drive the customer service. The Discover Cashback Debit Account helped me easily transition from a checking account with a traditional bank to an online bank. Here’s who I think Discover’s checking account is best for: If Discover’s checking account isn’t right for you, Capital One Bank and Ally Bank may be better alternatives. Capital One Bank offers a lot of the same perks as Discover, but it also lets customers deposit cash from select Capital One ATMs across the country. Meanwhile, Ally Bank reimburses customers for out-of-network ATM fees up to per statement cycle. Overall, I believe the Discover Cashback Debit Account is worth considering for its fee-free banking, debit card rewards, access to ATMs, free checks and a great mobile app. Discover Bank is well known for its cash back credit cards with no annual fees, but the company also offers arguably the best free checking account in America. Three highlights of this account are no account fees, cash back on debit card purchases and free standard checks. I’ve had a checking account with Discover Bank since 2014. More recently, I opened 10 online checking accounts (including a second with Discover) to evaluate the best options for free checking right now. Most checking accounts don’t offer any cash back and pay little or no interest. Discover remains a top contender, but is this the right checking account for you? Officially named Discover Cashback Debit, this checking account features 1% cash back on up to S,000 in purchases every month. You can use your Discover debit card wherever you see the Discover symbol. But keep in mind that some stores only take debit or credit cards with a Visa or Mastercard logo. Personally, I put most purchases on a credit card so that I can earn more than 1% cash back. But if you’re in credit card debt or just prefer debit, Discover’s offer is hard to beat. After you’ve earned cash back, you can collect it whenever you want. If you write checks frequently or even just occasionally, you can save money by switching to an online bank like Discover that offers them free upon request. With Discover, you can order and reorder free personal checks in batches of 100. Quite a few online banks have eliminated paper checks, others will mail a check on your behalf and some will charge a small fee for a batch of checks. Few banks still provide truly free personal checks. If you don’t request checks from Discover, you won’t get them. If you find that you need a check, they’ll mail a check for you at no charge if you contact customer service. Discover Bank does not charge checking customers a monthly maintenance fee like most traditional banks. If you’ve been hit with any type of bank fee from your current bank, consider moving your money to an online bank. Discover and other online banks typically don’t have minimum balance requirements. In addition, Discover won’t even charge for insufficient funds or stop payment orders. Discover’s No-Fee List Also, using ATMs outside of the Discover partner networks may result in fees. If you use your Discover debit card to withdraw cash at more than 60,000 participating ATMs, you won’t have to pay any fees. Discover partners with the Allpoint and Money Pass networks. There has always been a no-fee ATM within walking distance from my home at places like CVS, Target, Walgreens and Walmart. If you withdraw cash from an ATM regularly, check Discover’s website before you sign up for an account to see if there are no-fee ATMs where you live, work and travel. Existing customers can search for nearby ATMs using the mobile app. To be clear, Discover will never charge you to use your debit card at an ATM. However, owners of out-of-network ATMs do charge fees and Discover won’t reimburse you. For international travelers, withdrawing cash may be more difficult. I’ve been unable to use my Discover debit card in Europe because Discover cards aren’t widely accepted overseas. If you frequently use ATMs outside of North America, this may not be the best checking account for you. Deposits at Discover Bank are FDIC insured, just like regular banks. This protects your insured deposits in the unlikely event that a bank fails. Here’s how to move money in and out of a Discover checking account: Deposits There are several ways to fund your Discover checking account: direct deposit, online transfers from another bank, mobile check deposit and mailing a check. Unfortunately, there’s no easy way to deposit cash. Discover Bank has no branches and ATM cash deposits aren’t allowed. There are a couple of workarounds if you need to deposit cash. You can get a cashier’s check from an in-person bank or credit union for a small fee and then use Discover’s mobile check deposit feature from the app. The second option is to buy a money order and mail it to Discover. Withdrawals To withdraw money from your Discover checking account, use an ATM, request cash back when paying with debit, transfer money to an external account, use bill pay, write a check or pay for a wire transfer. When you need cash, one downside is Discover’s relatively low daily ATM withdrawal limit of 0. I know from experience that the daily ATM withdrawal limit resets at midnight. So if you need S,000 in cash, you could take out 0 at p.m. Some ATMs have lower withdrawal limits, so you may need to visit multiple ATMs to get up to 0 per day. Discover Bank’s app and website are both user friendly. In addition to my two checking accounts with Discover, I have savings accounts and a credit card that I manage from the same login. If you’re not great about remembering usernames and passwords, you can use your fingerprint to log in to the app. The app is my preferred way to check balances, transfer money, deposit a check, pay bills and redeem cash back. Since Discover is an online bank, the only way to open a checking account is at I use the website when I need to download statements and tax documents. Although Discover Bank doesn’t have physical branches, it provides 24/7 customer support over the phone and by chat. When I opened a second Discover checking account to document the signup process, I noted that it took only about five minutes. Perhaps my favorite feature is Discover’s FICO Credit Scorecard, and it’s front and center. My debit card and checks arrived separately about a week later. The customer service representatives are very knowledgeable about the Cashback Debit Account, including some of the limitations that I’ve outlined in this review. If you have questions before signing up, call them and test drive the customer service. The Discover Cashback Debit Account helped me easily transition from a checking account with a traditional bank to an online bank. Here’s who I think Discover’s checking account is best for: If Discover’s checking account isn’t right for you, Capital One Bank and Ally Bank may be better alternatives. Capital One Bank offers a lot of the same perks as Discover, but it also lets customers deposit cash from select Capital One ATMs across the country. Meanwhile, Ally Bank reimburses customers for out-of-network ATM fees up to per statement cycle. Overall, I believe the Discover Cashback Debit Account is worth considering for its fee-free banking, debit card rewards, access to ATMs, free checks and a great mobile app.

date: 25-Aug-2021 22:00next


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