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Worse bank ever if I was never put your money in that bank they steal your work money an go and block your bank account with out you ortharization 😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡😡

I initially enjoyed using Discover as my checking account. It felt like a traditional bank, and it was widely accepted where other mobile-first options like Chime and CashApp often weren't. However, their claims of no overdraft or hidden fees proved misleading.
After a night of multiple withdrawals, I lost track of my balance, but so did Discover, apparently. They allowed six unauthorized transactions to go through, only to return them the following day. This created two major issues. First, they charged me multiple "returned item" fees that suspiciously matched the returned amounts – a clear red flag. Second, they selectively returned smaller transactions instead of a larger one from the same business day, suggesting they were prioritizing fee maximization.
These hidden fees and arbitrary return policies reminded me of the predatory overdraft practices of the past. This behavior needs to be investigated and regulated. I will never bank with Discover again. They would be a perfect acquisition target for Capital One, who seems eager to absorb them. For years, I believed Discover had the customer's best interests at heart, but I was sorely mistaken.

Then after a couple of days they closed my account sighting confidential reasons for closure. If I could give them 0 stars I would. Buyer beware!

They closed my account with no notice. Which now drastically affected my credit score and caused other banks to lower my limit which again affected my credit score. Never pay anything late, but get punished for being responsible and not running up debt. What a lousy company policy and I called the customer service and was told there's nothing that can be done once in the count is closed. I will not be reopening an account with them or ever recommend anyone go with them. No other bank has ever done this to me.

My online account was disabled a week ago, and I was given no notice. I called Discover, was put on hold for a long while, I requested the rep to have a supervisor call me back. I never got called back. I called again, was transferred to another department and was disconnected. I sent an email to the CEO Michael Shepard, and got a reply from their Executive Office, but nothing was done. Overdraft protection on my account was incorrectly cancelled. When I called customer service ( three times !), supervisors were supposed to call me but never did. I have already filed a complaint with Banking Authorities.

I have been a Discover Bank customer for 12+ years. I am a 65 year old man. Statistics show that one in five in my age group have been a victim of a scam. I had NEVER wired transferred any money from this bank account until 7/2/24. I was entangled in a Crypto “pig butchering” scam. I proceeded to make the following bank wire transfers:
7/2/24 $10,000 Swan Bitcoin
7/8/24 $20,000 Crypto.com
7/11/24 $30,000
7/15/24 $20,000 Crypto.com
7/17/24 $23,000
7/23/24 $60,000
7/24/24 $134,000 Vietnam
Total $297,000 over 21 days
Plus Vanguard deposits of $24,990, $24,990, $28,813.97, $101,123.04, $50,229.93
Total Vanguard deposits $230,146.64
Plus 2 Discover CD’s cashed in early, $9,976.92 & $4,894.48
Total CD deposits $14,871.40
That is a total of $542,018.04 funds moved in and out over 3 weeks!!!!!

It would normally take me 3 years to have that much money go through my Discover Bank account that went through in 3 weeks! That is 1,095 days versus 21 days!

The wire transfers were authorized by me, but, the bank has an implied duty of ordinary care in an account agreement between the bank and the customer that “neither party can disclaim.” As a result, bank customers “may enforce the duty of ordinary care … through an action of breach of contract.” Discover Bank did not even question me about all of this extraordinary funds movement. I did recall the wire transfers to no avail. Discover did not look into the $113,000 in wire transfers sent to a person in Ligonier, PA. The Lakeland Police Department and the US Secret Service are investigating this matter.

There was zero empathy from Discover Bank.

Terible this bank doesn’t diserved not even one star there are scam and and fraud and so spike full accusing me of this fraudulent account with i never open and denied me to open a new account

worst bank ever !!!! they tell you to add funds which will be available next day. your funds aren’t available they are actually up for review & then takes a whole week to be available in your account. i transferred money from one account to discover on oct 10th was told it was going to be in my account on the 11th. one the 11th it said it was under review & then received. i tried to make a purchase & was declined so i called discover & they told me i wouldn’t get my funds until the 17th. so it went from available the next day on the app to available in a week from customer service. TODAY is the 17th my account is STILL $0.00!!!!! i called & they told me it was reversed on the 16th & i won’t get my money until 2-3 business days . its thursday! so i have to wait until NEXT WEEK AGAIN TO GET MY FUNDS. i seriously hate this bank this is the worst one ive had my whole life !!! do not recommend at all

Discover Bank is a great bank. Hear me out. Try establishing a relationship with Discover. Make sure you keep everything good, like no overdrafts etc. I have been with Discover for awhile, and the bank treats me like gold. No yelling or threats are necessary. Every person I spoke to has helped me every time. If there's any problem/misunderstanding, of any kind, talk to Discover. The bank will assist you. I believe some are in such a hurry, the great nuances of Discover escapes the perceptions. Try the bank from a fresh perspective. Thanks for listening. Good luck!

I've has the most horrendous experience trying to open a CD with Discover recently (which I am now stuck with for 9 months despite not getting what I was initially offered). I signed up with a 5.1% yield, and the ACH payment did not go through for some reason (I had the money in my bank, so it wasn't due to insufficient funds or anything like that). When I called to ask why it didn't go through and if I can try again, they said that they do not allow you to fund your CD with an ACH after the initial account opening, and the only options are to send a check or to wire the money (for which my bank charges a large fee). So I asked if there would be any issue with there being delays in sending the check, and they said "Don't worry, you have 45 days to fund the account." Of course, I immediately sent the check, but in that time, the interests rates dropped significantly (and I suppose it said this somewhere in the fine print, but I have acted immediately at every step since the account opening and did not realize that my rate wasn't being held).

Had they disclosed to me that the rate as dropping when I initially asked about there being any possible problem with the delay, I never would have sent the check. Now my money is tied up with them for 9 months (thank god not longer) unless I want to pay a penalty.

I've had CDs before with other banks and never had issues getting them funded. Now, I'm sure the rate changing thing is true for all banks if it's not funded right away, but I am frustrated that Discover (a) did not allow me to do another ACH after the initial ACH failure outside of my control, (b) did not notify me until 2 weeks later that my initial ACH did not go through (thankfully, I noticed sooner than this... Or perhaps not thankfully, since I regret refunding it), (c) did not make it clear to me that my initial rate would not be honored, even after I asked about possible issues with the delay of sending a check, and (d) will not close my account without a penalty after I have done everything requested as immediately as possible.

I suppose some would say this is a "read the fine print" problem, but my issue is more with the fact that I did everything I could to fund this account, and Discover did not do anything to make this process easier for me. If they would have allowed another ACH transfer immediately, there would have been no issue.

Know that it is not in their best interest to be transparent about the policies. And perhaps it's better to open a CD with the bank you already have your money in to avoid any transfer delays (which are NOT accounted for in the initial offer).

After my 9-month sentence, I'll be taking my money out of Discover and ceasing to use any of their other products.

Pros:
100% US based customer service
Lots of ATM’s

Cons:
Online only, but not end of the world since I haven’t gone inside of a bank for 6 years.

Overall great bank to go with, I recommend it to all of my family and friends.

In short, interest rates are pretty good. Cash deposits have to be done via Walmart which limits you to $1000 a day. So if you get a big chunk of cash it's a pain.
Beware if you travel outside of the US. Previously I had no issues getting some cash out of my bank account with a Visa debit in Costa Rica. No dice with Discover. Thank God I had some friends with a Visa debit that fronted me some cash when we were there.

These Discover Bank and Discover credit card people are unscrupulous and lack business and personal integrity. Consumer Beware!

I had an unfortunate situation with Discover, I got nowhere talking to Discover’s bots. I consulted the Elliott Report “Company Contacts,” and I contacted the very people that Elliott Report identified as Company Contacts at Discover. Actually, I contacted them, several times by email and US Mail, and I got nowhere, not even the courtesy of a response, never mind, action, or RESOLUTION.

I cannot say enough bad things about Discover, and Discover’s leadership, other than I believe they are unscupulous, and lack business and personal integrity.

Your money is not yours with transaction limit set by bank and no option to have it increased.

One bank that I patronize, made and $25,000 ACH transfer into my Discover bank account. It took over 7 DAYS to release my money to me. Did it take 7 days for the ACH deposit to clear? I do not think so. I do not appreciate Discover bank holding MY MONEY for the absurd period of 7 days. The only thing that was even more infuriating than the above, was the attitude of the alleged human who answered the phone at their service desk. You know, getting a human at the service desk is not the only issue; the person has to act like a person also.

I am in the service industry and I am shocked by the lack of service at Discovery Bank, I opened an account 5 years ago, deposited R5000 online, when I was asked to collect my card at Melyn Main branch, I went to the ATM to see if my R5000 investment made any interest- to my surprise, they deducted R400 so I withdrew my money (all of it) went back into the bank and gave my card back and instructed them to close my account. To my shock and horror I went into my profile and I OWE THEM R17000 - I have contacted the customer service numerous times and none of their promises to return my calls and reverse their obvious mistake have been met. I have other investments at DB and will move EVERYTHING back to Sygnia
Very disappointed Mrs Elmaré Bond

Tooling around on Trustpilot, I saw all the negative reviews for Discover Bank. I've been banking with Discover for about 10 years. Absolutely, hands down, the best customer service. They're all US-based, speak very good English and understand the norms and customs of American society. Some things are just hard to explain to a guy in the Philippines. I had a fraud issue, my fault, back in 2019. They jumped through hoops to stop it, change all my account numbers and make me whole. I'm a little concerned about the Capital One buyout, we'll see. I like Discover Bank

Everything when it comes to Discover Bank is difficult. They make it difficult to transfer money into your high yield savings account. The customer service is awful despite advertising the #1 customer service. Upon realizing this, I immediately transferred the cash deposits I did have to another bank. Good riddance.

Watch out for Discovery. They are the same group as discovery health and are now into Banking.
They are a South African based company. They offer you to open an account but then never give you a Bank card. Wait for it, then they continue to charge you for zero services.
They are like scammers.
My personal experience, is I opened an account with them, and never received a card. They will still continue to charge you even if you don't have a card or don't use their service.
The public should be made aware of Discovery Banking Services and taking public hard earned money.
Global Financial Services Regulatory should take this Company to task, and remove their licence to operate in the Banking sector. South Africa has become a breeding ground for criminal activity, and for this reason money is pouring out the country. Public be aware before getting into bed with the Devil.

Update Jan 19, 2024
Terrific experience with incoming wire transfer which was FREE vs my other banks which charge to receive wires. Also Initiated a wire transfer online out of my account and it went smoothly.
Discover Bank hold times are shorter and I've had MUCH less trouble with ACH transfers. I will be consolidating even more into Discover Bank. Relative to my other banks (USbank Citi BOA Cap1) Discover has been way better so updated my rating from 4* to 5*.

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7/27/23
I've had an account with Discover Bank (and Discover Card) for 3 decades! Their pros outweigh cons imo. Today their savings accounts pays ~4.2% which is high and doesn't tie up $ like a CD.

I have accounts with 3 other big banks and Discover is the only one allowing me to connect a Fold Visa debit card.

One drawback is although deposits show in account quickly you can't move those funds for 10 biz days.

have been with Discover for years and always loved their customer service, thought it was top drawer but lately, it's gone downhill all the way to the bottom! I loved their BillPay for its convenience.

It was a great budgeting help to be able to schedule payments up to 30 days in advance. I've always made sure funds were there on the day of payment to cover it. Given that I have cognitive issues from age and Long Covid, this helps to insure I don't forget to pay a bill. Recently, some short-sighted non-thinker in management thought it would be a GOOD idea to restructure BillPay so that you could not schedule a payment unless you had the funds in your account AT THAT TIME even if you were scheduling a payment for 30 days out.

This makes NO sense as if I had the funds at that time I'd pay them AT THAT TIME and not wait for the 30 days.

Do most people only pay bills once a month or have a paycheck that covers a month worth each week? Closing ALL of my accounts and looking for a new bank that uses COMMON SENSE!!!

User's recommendation: Bank elsewhere!