discoverbank.com Recenzje 

Horrible experience with them

every problem that i have had {very few} a PERSON helped resolve it . we love Discover card and bank

They close my account my account my reason all I want know reason why they close my account since they won’t they tell me I know they are breaking by the law by telling the reason they close my account when you get turned downed for a credit card they tell the actual reason stay away from discover bank they are hiding something

I have used Discover Bank simply as a savings account for several years. Unlike my bank that pays almost no interest, I am getting 3.5% on my savings at Discover. I occasionally transfer money to & from my checking account and have had no problems at all with transactions. I also had a CD for 2 years with no issues.

Why write a long, boring, specific rant about my sob story? They ruined my life. They screwed over my customers and suppliers. They imploded my business. They destroyed my relationships. They stole my money. They wasted my time. They enriched my lawyers. They obstructed my retirement. But they didn't kill my dog or sleep with my wife, so here's a star.

Discover bank left me stranded without any way to pay my tab. They kept saying to use another payment method. I got rid of my credit cards and have my money in the bank. Now without warning you are shutting down at 10:30 PM on Saturday! And you don't know how long and I'm sitting at the bar past 12am and still nothing!!!??!! No emails, text, letter head, nothing. No warning given and you know what ZERO PHUKS given by these people.

I have been a customer since 2021 and after last night 5-10-25, I'm switching back to a brick and mortar bank. One that actually tells it's customers that they won't access so make arrangements.
Luckily it's a private club and they knew me and said pay us tomorrow. I can't imagine the people stranded trying to get gas or something. This is a HUGE problem. Over the last year they have gone crazy with the fraud protection, and basically you can't do a lot of online stuff because they just won't let you. Hard to withdraw money unless you have the new card which they won't send until it's time. I need a real bank again, I can't be out on the busiest night of the week and told to fly a kite by my bank. You lost a customer and I'm not sure if this is all because changes are happening. I heard Capital One is buying Discover so it my get a lot worse. I'm tired of bad customer service and last night really didn't make me feel good or confident in my bank. Discover literally left me there with no way to pay. I literally showed my account to the bar tender and manager to show I had money, and I showed them the stupid maintenance message on the banks app.

Again if they had given PROPER NOTICE, this wouldn't have happened. Because Discover failed to give me notice I didn't pull out money ahead of time. Good bye very soon Discover. I've had enough.

Horrible a pain in my ass. Bounced my mobile deposit. Left me stranded on the side of the road because I wasn't able to withdraw funds. I hate this bank with a passion. Same hatred I have for snakes, liars and thieves, incidentally this bank is all of those above. Customer service is no help. I joined this bank thinking it would be better! The worst banking experience in history.

1 star is too much. Worst banking service ever

Do NOT sign up for an online CD unless you know ALL the facts WHICH THEY DON"T TELL YOU. When the CD matures, you can't have an ACH transfer done lol. This is a joke. You either have to have the money wired (WHICH COSTS YOU $30!) OR you can have a check sent to you in 5-7 business days...how absurd! Either way they make money. I decided on the wire but you have to call them up, go thru the form, then use THEIR company to take a picture of both you and your drivers license or passport. Well, after 10 minutes, i couldn't do it. It wouldn't take my pic. So i said, forget it and send me the check. Now why would it take 5-7 BUSINESS days for them to mail it to me? Nothing has to clear. They've had my money for 9 months lol. So by the time it arrives it could be 9 or 10 days from the time i close it - and who knows how long of a hold is on the check. After the process was done, I found out they were sending the check out TODAY while it was supposed to be sent out in 3 weeks, when the CD matures . Thank the Lord they have taped conversations. All morning I spent on the phone with them. HORRIBLE

been with discoverbank since 2018.. interest rates is what drew me to the company. but interest rates are available at other banks. i had problems in the past with c.d. instructions. this year with new ira accounts
that did not open in time and cost me money on my taxes. check held from march 30, 2025 and returned in may. will now take my business else where !

I originally gave this a higher a score…BUT after banking with them since 2018 I said F this. HORRIBLE company, HORRIBLE cards, Horrible policy’s. I am sorry Discover but it’s only time before you’re bought out.

One word describes this bank “ AVOID”.
You were decent in the 80’s,90’s, but now you are on your death bed.

I recently attempted to open an account with Discover Bank, and while I was hopeful about the process, I faced some significant challenges that left me feeling frustrated.

Initially, the application process seemed straightforward. I filled out the online application and was directed to call in to complete the verification. During the call, I followed the instructions to provide my ID (both front and back) along with a selfie, and I did this three times. Each time, I received confirmation that everything was complete and was told, "Thank you, have a great day."

However, I was later informed that my verification had been rejected. This was confusing, as I had received confirmations indicating that my documentation was sufficient. Unfortunately, the customer service representative was unable to provide any specific reasons for the rejection, leaving me in the dark about what went wrong.

The lack of clarity and communication during the verification process was disappointing. It’s essential for banks to provide clear guidance, especially during something as critical as account verification.

While I appreciate that Discover Bank offers various financial products, my initial experience with account opening was not as smooth as I had hoped. I would recommend that they improve their verification process and customer communication to help avoid confusion for future applicants.

Overall, I had high hopes for banking with Discover, but this experience has left me reconsidering my options.

I recently applied & was approved to open a checking account with Discover Bank in order to be able to link & transfer my checking account to a Visa or MC since only 99% of the planet accepts Discover. I had begun to regret doing so after I received a couple of confusing emails I received from Discover & being treated as a complete idiot by one rep when I called regarding clarification of my concerns regarding these email. Finally, PLT, Ms Mary from Discover Bank CS was able to answer my questions in no time flat & restored my peace of mind which is priceless! She not only restored my faith in the banking side of Discover but in mankind as well! She has turned Discover Bank’s previously earned F into an A+, gold star, smiley face! Kudos, Ms. Mary, for being an angel of mercy & my answer to prayer today!

Be aware that Discover will, not possibly, but will not let you withdraw funds that were deposited into your IRA Savings account for 61 days. This is currently their internal policy that has not previously been told to customers until recently but they are enforcing despite this fact not being previously disclosed in writing in their Deposit Account Agreement. As you can see below (1) they just put this in their Deposit Account Agreement that they claim won't be effective until April 19, 2025 but they are and have been actively enforcing without customer agreement. I opened my account several years ago so this should not have applied to my deposits since it was not specifically in the Deposit Account Agreement that was in effect when I opened the account. They continue to refer to a vague section of the existing Deposit Account Agreement and I was told by several agents "After reviewing what you have stated it is in our account agreement when opening the account. You can locate it on our website under forms and documents Page 18. The 60 day rule does apply to all distributions even IRA OSA and all new funds put into an IRA even if the account has been established for a long time. It applies to all new funds. This is a business decision made by Discover Bank." As you can see Discover has not even made this "policy" effective or known to their customers until a future date. Do not do any business with this bank. You have been warned.

(1)
Important Changes to the Discover® Deposit Account Agreement
Effective April 19, 2025, the following will be added to the Deposit Account Agreement:

Section 15 (f): Funds Availability (Holds), IRA Savings Accounts: Any deposit made to your
IRA Savings Account (for example, by check or ACH transfers initiated at Discover Bank)
may not be available for withdrawal until 60 days after the deposit date; except for required minimum distributions and revocations of IRA plan.

I asked discover bank to send out a check. Somehow I missed that it wouldn't be sent for 4 days, which is bad enough for this dumb company. Once the check was sent and received and then cashed, they decided not to honor it. Their own check. I honestly don't know if this is a scam for them to make more money on interest as they don't honor their own checks or just pure incompetence.

Either way, don't trust them with your money.

Discover bank does not back up their costumers at all. Do not trust them. My account was hacked from an online casino site that charged my card $99.99 repeatedly in a matter of just an hour. Any other bank would have seen that as suspicious activity and notified me but not Discover. They allowed the charges to go through without question. I disputed the charges and even supplied Discover with a police report but they keep marking the fraudulent charges as valid and are holding me liable. I have spoken with them over a dozen times but I get nowhere with them. Take your business elsewhere.

I had fraudulent charges on my Discover credit card, and the fraud department failed to properly communicate with me about providing evidence or any investigation details. The dispute was appealed, but despite having clear evidence—which they didn’t even bother to ask for—and even contacting the merchants as Discover themselves advised me to do, they still held me responsible and refused to help, reopen the claim, or offer any other solution.

I spoke with multiple investigators, each giving me conflicting instructions on what to do. When I followed their advice, they still claimed there was nothing they could do. Not only did they play games and provide misleading information, but their final response was basically, "Good luck figuring this out on your own."

I have never experienced such terrible customer service and lack of assistance from a bank. If you’re looking for a bank that values its customers and actually protects against fraud, stay far away from Discover.

I do not recommend Discover at all—avoid them if you want real fraud protection and competent customer support!

I attempted to purchase an IRA CD on Discover's web site that they say will take about 15 minutes and at the very last step, e-signing the web site froze and would not serve me the documents to e-sign. This is after putting all my banking and personal information in the Discover system and opening an account. I called Discover and the two people I spoke with were very helpful but the bottom line is it will take multiple phone calls on my part to cancel my account and go elsewhere. They now want me to download the documents that I was to e-sign and sign them, scan then, upload them and wait for them to be processed. I'm nearly 70 years old and the Discover web site said I could do all of this on line including e-sign. So now I want to go elsewhere and I can't open an account with confidence that Discover won't attempt to take my funds and fund this account with them that I no longer want. The on-line process was too difficult and I am also a retired IT specialist..... who spends hours on the computer every day. With all this said Discover was not able to deliver what they promised and that was/is a quick, easy on-line sign up with e-signing. To make things worse my money is now potentially tied up with them and I can't go elsewhere. The supervisor that I spoke with told me it can take up to a week for them to even cancel an account. Forgive me please but all I was trying to do was to become a customer..... and now I have multiple hours invested, there is more for me to do, my funds are tied up and I'm very sorry I ever considered Discover for a banking product.

This is my experience, judge for yourself:

Discover
Welcome to messaging. How can we help you today?
• Hello, are there any banks near me where I can withdraw $5000?
14 minutes ago
Discover
Hi, I'm the Discover Virtual Assistant! If I can't answer your questions, I'll connect you to a live agent.
We do not charge any account-related fees.
Click here to use our ATM Locator.
No-fee cash withdrawals at over 60,000 Allpoint® and MoneyPass® ATMs.
The daily ATM withdrawal limit for each Account is the lesser of
$510 or your available balance. When you use an ATM not owned by
us, you may be subject to other daily limits set by the ATM operator.

• Can I chat with a real person?
14 minutes ago
Discover
I'll transfer you to an agent to help.
Discover
Hello! Thank you for contacting Discover via our chat service! My name is Mary, and I am located in Ohio! It is a pleasure to be able to chat with you today! How may I help you?
• Can you help with my request?
12 minutes ago
Discover
Please allow me one moment to review!
• Btw, by "banks" I don't mean just banks. Any face-to-face location including a credit union that handles discover withdrawals would be fine.
• (As long as they don't require me to be a member).
• The discover website says: "Withdraw cash at a face-to-face location (i.e., at your local bank or credit union that accepts Discover) using your debit card."
8 minutes ago
Discover
I understand completely! The daily combined point-of-sale purchase limit is the lesser of $2,500 and the available balance in your account. Once your account has been open for 30 days, the daily combined point-of-sale purchase limit will increase to the lesser of $5,000 and the available balance in your account. The daily ATM withdrawal limit is $510. Please note I am unable to increase the daily ATM limit. To increase the POS limit, you will have to call us at 1-800-347-7000. Our 100% U.S.-based customer service team is available 24 hours a day, 7 days a week. Please note that if you use an ATM not owned by Discover, there may be other limits set by that ATM operator. For security reasons, there may be limits on the number of ATM withdrawals using your debit card.
• I can work with the limit if I can find the POS locations for face-to-face. I'll just make withdrawals on different days. Can you help me with locations?
8 minutes ago
Discover
That is a great question! Please allow me just a moment to review!
• Since I'll have to do it more than one withdrawal, I'm interested in locations at or near my home and also my work.
My home zip is XXXXX and my work is XXXXX.
6 minutes ago
Discover
Thank you for your patience! Upon review, we do not offer that option, however, if another bank offers you a way to withdraw with the debit card, success is at the discretion of what the other bank allows and if they accept our cards to make POS charges on their end. Since this is not a feature we offer, I am unable to assist you in locating any potential Bank! I do apologize for any inconvenience this may cause.
• Wait, I just showed you what the help site says: "Withdraw cash at a face-to-face location (i.e., at your local bank or credit union that accepts Discover) using your debit card." So I signed up for Discover with the understanding I'd be able to withdraw in cash!
• So as far as I can tell from this chat, Discover provides no support on this, and who knows whether there is any bank anywhere in the tri-state area that does cash withdrawals?
now
Discover
I can definitely put in that feedback for you! I do apologize for any inconvenience this may cause you.
• Omg I can't believe that's all you can say. Is there a supervisor I can chat with?
Discover
Please allow me just a moment to see if there is a supervisor available!
Thank you for your patience! Upon review, my supervisor is currently in a meeting! Please give us a call at 1-800-347-7000 and ask to speak with a supervisor for further assistance!
• Ok. Unfortunately I'm going to have to post about this online. Thank you.

Feedback on Discover Website: 1-star:
Horrible. The agent had no idea how to help me and could not get me to a supervisor (who was "in a meeting").

Terrible bank. Never had to notorize my info to activate a credit card after my credit history was dinged. INcompentent system. Not kind. Mean. Does not deserve one star.