The Discover Cashback checking account is one of only a few checking accounts on the market that allow you to earn cashback when using your debit card. With this account, you’ll receive 1% cash back on up to $3,000 in eligible debit card purchases every month. Note that this offer doesn’t include ATM withdrawals. This account also boasts access to over 60,000 fee-free ATMs nationwide through Discover.
This account, which is Discover’s only checking option, is known for being a largely fee-free account. There is no minimum deposit requirement, no monthly maintenance fees, no fees for insufficient funds and no fees for a handful of other things, like expedited debit card delivery and standard checks. However, you may be charged a fee for using an out-of-network ATM.
This account has no APY, as its cash back feature is the sole place where you’ll get a return. Discover also scored high for customer service, and you can contact bank representatives online or over the phone 24/7.