There is no minimum deposit to open a Discover Online Savings account.

There is no minimum balance requirement.

The Discover Bank routing number is 031100649. It is used for electronic transfers made by ACH (including Direct Deposit) and for domestic wire transfers (from another financial institution within the U.S.).

Follow the steps below to send an outgoing wire transfer. Please make sure your request is submitted at least 2-3 days in advance of when you would like us to process your wire to ensure pre-processing can be completed; allow additional time if mailing your request. International and Domestic Wire Transfer requests received and verified before 3:00 PM ET on a business day will be processed the same day. Requests received and verified after 3:00 PM ET on a business day or any time on a weekend or holiday will be processed by the next business day. As a reminder, all wire transfer requests require verbal authorization before they can be processed. Once you submit your request, you must call us to authorize it. Failure to do so will result in longer processing times and a possible cancelled request. You can submit a wire transfer request through the Account Center, or by downloading, completing, and submitting the paper form. Submit Online Domestic Wire Transfer

International Wire Transfer Request may only be submitted using the paper form Download Form Domestic Wire Transfer Request Form (wire transfers within the United States)

International Wire Transfer Request Form (wire transfers outside the United States) Once you have completed your Wire Transfer Request Form, you can submit it through any of the following methods: Upload the form through Secure Document Upload

Fax the form to 1-224-813-5213, Attention "Wire Transfer Request"

Mail the form to Discover Bank, PO Box 30417, Salt Lake City, UT 84130

For domestic wire transfers (from another bank in U.S.), please wire funds to: Beneficiary Bank: Discover Bank

ABA/Routing Number: 031100649

Beneficiary Bank Address (if required): 502 Market Street, Greenwood DE 19950

Beneficiary Name: Your name (as it appears on your Discover Bank account)

Beneficiary Account Number: Your Discover Bank account number For international wire transfers (from another bank outside the U.S.), please wire funds to: Beneficiary Bank: Bank of New York Mellon

ABA/Routing Number: 043000261

SWIFT Code: IRVTUS3N

Beneficiary Bank Address (if required): #3 Mellon Bank Center, Pittsburgh, PA 15258

Beneficiary Name: Discover Bank

Beneficiary Account Number: 9914394

For Further Credit to: Your name (as it appears on your Discover Bank account) and your Discover Bank account number Wire transfers received before 4:00 PM ET will be posted to your account on the business day we receive them. Wire transfers received after 4:00 PM ET will post to your account the following business day, with an effective date of the business day the funds were received. Some wire transfers may require additional processing time. In those cases, your wire transfer will post to your account upon completion of processing, with an effective date of the business day the funds were received. If it has been more than 2 business days since your inbound wire was sent and it has not yet posted, feel free to call us at 1-800-347-2683.

We do not charge any account-related fees. However, there is a $30 service charge for each outgoing wire transfer from your Discover bank account.

Yes, funds on deposit at Discover Bank are FDIC-insured up to the maximum allowed by law. For more information, visit the FDIC website.

Click here to login to access and manage your Online Savings Account. You can also access and manage your account via our mobile app available for Android and iPhone®. If you do not have an Android or iPhone smartphone, you can still access your account on your phone from m.discover.com. Please remember your mobile device must be set up to access the Internet in order to use Mobile Discover.com. Click here for more information on our mobile services. Not registered for the Account Center? Register Now

Six withdrawals or transfers are allowed each calendar month from an Online Savings Account. This limit is set by a federal regulation for electronic and telephone transactions from savings and money market accounts. There is no limit on the number of Official Bank Checks mailed to you.

Below are the transactions that count towards the six (6) withdrawals or transfers per calendar month: ACH Transfers

Wire Transfers (a service charge applies)

Phone Transfers

Online Transfers

Online Bill Payments

Transfers to repay loans at Discover Bank Note: Six withdrawals or transfers are allowed each calendar month from an Online Savings Account. This limit is set by a federal regulation for electronic and telephone transactions from savings and money market accounts. There is no limit on the number of Official Bank Checks mailed to you.

Click here to reset your User ID and Password. If you have already tried to reset your User ID and Password, please call us at 1-800-521-8775 and a Banking Specialist will assist you.

Here are your deposit options: Deposit a check with Discover's Mobile Check Deposit using your mobile device

Complete an online transfer from an eligible Discover Bank Account

Complete an online transfer from an external bank account

Set up Direct Deposit

Mail a check that is made payable to you with a deposit slip or your account number on the memo line to:

Discover Bank

PO Box 30417

Salt Lake City, UT 84130

Discover Bank PO Box 30417 Salt Lake City, UT 84130 *Please note that Travelers Checks are not accepted for deposit