Pinjaman Bank Bni 2022

Pinjaman Bank Bni 2022.

Discover Bank is usually associated with its credit card. But for those that dig a bit deeper, there’s a great bank to use here.

Discover offers a wide range of banking products – including checking, savings, CDs, and more.

In fact, most of the time, Discover Bank is on our list of the best high yield savings accounts and our list of the best money market accounts. They also have a very compelling checking account and great CDs.

Here’s what you need to know in our Discover Bank review.

Discover Bank Logo

Quick Summary

  • Online bank with high-yield savings and deposit products
  • Great online cashback checking account
  • Clear fee schedule with first fee waived each calendar year

Discover Bank Details

Product Name

Discover Bank

Min Deposit


Checking Cashback

Up to 1%

Savings APY


Monthly Fees


Account Types

Checking, Savings, CD, MMA, IRAs


Up To $200 With Online Savings

Who Is Discover Bank?

Discover Bank is part of the same company that offers the Discover credit card. All of the Discover financial products can be accessed through the primary domain name, of which Discover Bank is a part of.

What Do They Offer?

For those looking to do all of their banking in one place, Discover Bank comes pretty close. While they don’t offer mortgages or loans, they do offer a wide range of deposit accounts with high yields and rewards.


Discover offers their Discover Cashback Debit Checking Account, which consistently makes our list of the best free checking accounts. Earn
1% cash back
on up to $3,000 in tagihan card purchases each month (see website for details). There’s no monthly maintenance fee and you can open an account without depositing anything.

Discover Checking Cashback Debit account screenshot 2022

Discover Bank has adv lewat 60,000+ in-network ATMs. If you prefer going into a bank branch, you’ll be out of luck as the only branch is located in Delaware.

Discover Bank Checking is about as close to fee-free as you can get. It doesn’t charge a fee for using its Overdraft Protection Service. It also never charges a fee for out-of-network ATM usage, although the third-party ATM provider may charge a fee. A $30 fee for sending an outgoing wire is about the only fee that you could run into with this account.

While this checking account doesn’falak pay interest, the 1% cash back makes up for it. When you spend $3,000 in a month through debit spending, you’ll earn $30, which means $360 oper a year.

How Does Discover Checking Compare?


Discover Bank Review comparison

Axos Bank logo

LendingClub Bank Logo


Min Deposit




Cash Back Rate

Up to 1%

Up to 1%

Up to 1%

Max Cash Back Per Month




Balance Required To Earn Highest Cash Back Rate




ATM Access

60,000+ Nationwide

91,000+ Nationwide

325,000+ Nationwide






There is a top APY savings account with no deposit to open. Interest is compounded daily. There is no minimum balance required or a monthly maintenance fee.

They currently offer a top yielding1.70% APY on their savings account.

While there are some fees (like wire transfer), this account is very friendly from a fee standpoint.

Check out their online savings account here >>

How Does Discover Online Saving Compare?

Discover is right in the middle of the pack when it comes to the interest rates that it’s currently offering. However, if you already have an existing Discover checking account and/or credit card, keeping your savings with them as well could allow you to manage all your financial accounts in one place.

See how the compare to other top banks here for savings:

Money Market

This is similar to a checking account, but you can earn interest if you have a high balance. A $100,000 balance will earn you a higher APY than the regular account.

Right now, you can earn the following:

  • Over $100,000:1.65% APY
  • Under $100,000:1.60% APY

For both checking and money market accounts, funds can be transferred to and from external accounts fee free.

The APY on the checking and money market accounts can change at any time. That isn’t the case with a CD.

Check out the Discover Money Market Account here >>


Now we’ve reached the highest-yielding account where Discover is exceptionally competitive – they have top-yielding CDs. You’ll need a $2,500 minimum opening balance, however.

Outgoing wire transfers are $30. There are penalties for early withdrawals. Depending on when you withdraw funds, the penalty is based on simple interest for a certain number of months. For example, less than 1 year is 3 months of simple interest, and 5 years to less than 7 years is 18 months of simple interest.

Check out Discover’s CDs here >>


Discover Bank Promotions

Discover Online Savings is consistently one of our top picks for best online savings account due to their great rates and no monthly fees or minimums.

And right now, you can get a bonus of up to $200 when you
apply for your first Discover Online Savings Account, online, by phone, or via the Discover App using the code


. You must apply by September 15, 2022, fund the account within 30 days of opening it, and complete the qualifying activities within 30 days of opening.See advertiser website for full details.

To qualify, you must do the following to earn one of the bonus offers:

  • $150 Bonus: D

    eposit into your account a total of at least $15,000

  • $200 Bonus: Endapan a kuantitas of at least $25,000

Remember, deposit must be posted within 30 days of account open date. Maximum bonus eligibility is $200.

What to Know:

Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 09/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice.

Get up to a $200 bonus!

Are There Any Fees?

Yes — as discussed above for each account type. However, Discover is really making a strong effort to keep their accounts as fee friendly as possible. Their recent fee reduction changes, including no overdraft protection fees and no out-of-network ATM fees, are a huge win for consumers!

Discover Bank Review: bank fees screenshot

How Do I Open an Account?

You can create your account online here. You’ll need a Social Security number and address. You can also call the 800 phone number listed on the website to open an account.

If you’re opening a specialty account, like a trust account, there is an easy online portal to securely upload the required documents.

Is My Money Safe?

Yes — Discover Bank is a member of the FDIC. Depositor funds are insured up to $250,000. Discover also uses bank-grade encryption.

How Do I Contact Discover?

Discover’s online banking customer service is available 24/7 by phone at 1-800-290-9885. You can also call Discover’s general customer support phone number, 1-800-DISCOVER (1-800-347-2683), or chat with an agent live online.

Discover Bank has a mobile app, as well. You can deposit checks, find an ATM, and use Quick View, which lets you see your balances without logging into the app. Apple and Android versions of the app are available.

Baca :   Bunga Tabungan Bank Bni

They don’t have any physical branches. However, they do have a large network of fee-free ATMs to access your account.

Is It Worth It?

Yes — if you’re looking for a bank that offers checking and high-yield savings products, Discover Bank has them.

While not a full-service bank, Discover Bank is under the Discover umbrella, which does offer many different loan products. Having an account with Discover Bank means you’ll already be in their system should you want a loan product or credit card later on.

Discover Bank doesn’kaki langit have bank branches, except in Delaware. If you need a bank branch, you’ll want to look elsewhere. But given how convenient bertamadun banking is, that’s unlikely to be a deal-breaker for the average customer.

Discover Bank FAQs

Here are a few of the most common questions that people ask about Discover Bank:

Is there really no minimum deposit with Discover Bank Checking?

Yes, you can open a Discover Bank checking account without making any deposit. However, a deposit will need to be made within 45 days of opening the account or else it will be automatically closed.

Can you deposit cash into your Discover Bank account?

No, although it does offer an extensive ATM network for cash withdrawals, Discover Bank does not accept cash deposits at this time.

Will you still earn a Cashback Bonus on your Discover Piutang Card if you use a digital wallet?

Yes, you’ll continue to earn cashback when you use digital wallets like Google Pay and Apple Pay. However, payments made with peer-to-peer payment apps like Apple Pay Cash, Venmo, and PayPal may not be eligible for Discover’s Cashback Bonus.

Is Discover Bank offering any bonuses to new customers?

No, Discover Bank currently does not have any bonus offers on their accounts.

Discover Bank Features

Account Types

Checking, Savings, CD, MMA, IRAs

Minimum Deposit


Checking Cashback Rate

1% cashback. See website for details.

Min Balance To Earn Cashback



  • Checking: N/A
  • Online Savings:1.70%
  • CD: Up to3.25%
  • MMA: Up to1.65%

Maintenance Fees


Wire Transfer Fees

  • Incoming: $0
  • Outgoing: $30

Overdraft Protection Fee



None (online-only bank)

ATM Availability

60,000+ in-network ATMs

Out-Of-Network ATM Fee


Cash Deposits


Mobile Check Deposits


Customer Service Number

  • Banking: 1-800-290-9885
  • General: 1-800-DISCOVER (1-800-347-2683)

Customer Service Hours

24/7 availability

Mobile App Availability

iOS and Android

Bill Pay


FDIC Certificate



Up to $200 With Online Savings

Pinjaman Bank Bni 2022


Check Also

Kerajinan Tangan Dari Kaleng Susu

Kerajinan Tangan Dari Kaleng Susu. Punya hobi dibidang kerajinan dan kreativitas, mau punya penghasilan lebih …