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Discover Cashback Checking, provided by Discover, is a debit card account with zero fees and a 1% cashback on debit card expenditures, up to $3,000 monthly. By applying through cashback platforms like Swagbucks, MyPoints, or InboxDollars, an additional sign-up cashback bonus of $50 to $67 is attainable.
- Completely free of charge
- 1% cashback on debit card spending (up to $3,000 monthly)
- Early salary access by two days
- Over 60,000 free ATM withdrawals
- Compatible with Apple Pay for rewards on eligible purchases
- Supports Zelle for sending and receiving transfers
- FDIC Insured
- Comprehensive anti-fraud protection
Cashback platforms like Swagbucks, MyPoints, and InboxDollars, offer additional sign-up bonuses. By opening a Discover Cashback Checking account through these platforms, cashback bonuses are available:
To qualify, a minimum deposit of $50 post account opening is required, with various deposit methods supported.
- Monthly cap on cashback earnings ($3,000)
- Lack of physical bank branches; online only
- May lack certain advanced banking features like high-interest savings or investment options.
In this section, a horizontal comparison is made between Discover Cashback Checking and other mainstream big banks.
|Feature Description||Discover Cashback Debit||Chase Total Checking||Bank of America Advantage SafeBanking||Wells Fargo Everyday Checking|
|1% cash back on up to $3,000 in debit card purchases each month||✅||—||—||—|
|Access to over 60,000 NO-FEE ATMs in the U.S.||✅||—||—||—|
|Fee-free overdraft protection transfer service||✅||✅||N/A||✅|
|Get paid up to 2 days early with Direct Deposit||✅||—||—||✅|
|Send and receive money with Zelle®||✅||✅||✅||✅|
|Free help removing your personal info from select people-search websites. Activate by mobile app||✅||—||—||—|
|Freeze debit card||✅||✅||✅||✅|
|No monthly fee (no balance or activity requirements)||✅||—||—||—|
|No fee for insufficient funds||✅||—||✅||—|
|No-fee official bank check||✅||—||—||—|
|No-fee for expedited delivery of your replacement debit card||✅||—||—||✅|
|No-fee check reorder||✅||—||N/A||—|