Discover Checking Review: $360 Debit Card Cash Back Promotion

With the Discover® Cashback Debit account, you’ll have the opportunity to earn cash back from your bank. With the Discover Checking account, you can earn 1% cash back on up to $3,000 in debit card purchases each month! This means, you can earn up to $360 cash back with the account each year! Member FDIC. See website for details.

Update 4/28/25: A checking account that offers no fees and rewards? You’ll be able to earn 1% cash back on up to $3,000 in debit card purchases each month.

The Discover Checking account features no monthly fees or monthly balance requirements. In addition, you can earn access to over 60,000 no-fee ATMs across the US.

If you are interested in opening a new banking account, be sure to apply as soon as you can! Also check out our list of Discover Bank Promotions! In addition, you can also check out other great promotions from banks such as HSBC Bank, Chase Bank, Huntington Bank, TD Bank, or CIT Bank.

Discover Checking Account Summary

Discover Bank is currently offering 1% cash back on debit card purchases up to $3,000 each month when you open a new Discover Checking account. The sign up process is as simple as clicking “Open An Account” and filling out your information! If you’re looking into Online Checking accounts, this account is essentially also considered a Free Checking account.

• Eligible account: Discover Checking Account
• Credit inquiry: Soft pull, which does not affect your credit
• Where it’s available: Online Nationwide

(See advertiser website for full details.)

Discover Checking Account Features

• Cashback – Earn 1% cash back on up to $3,000 in debit card purchases each month
• No. Fees. Period. That means you won’t be charged an account fee on our Cashback Debit account.
• Early Pay – Get your paycheck up to two days early with no charge
• No credit impact – You can apply without affecting your credit score.
• Fraud Protection – You’re never responsible for unauthorized debit card purchases. If you suspect someone else has used your debit card without your permission, let us know.
• Add Cash – Add cash into your account at Walmart stores nationwide.
• Apply in minutes – Applying for a Cashback Debit account is simple and fast.
• Fee free overdraft protection
• No minimum opening deposit and no minimum balance
• Cash access at over 60,000 no fee ATMs nationwide
• Discover App Access (4.9/5 star rating)
• 100% US-based customer service available 24/7
• Online Privacy Protection – Discover will help remove your personal info from 10 people-search sites, activate by the mobile app.
• FDIC Insured

Need a Savings Account?

Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.60% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. Apply Now at Discover What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank.

Conclusion

For those looking for a great checking account, Discover Bank offers its Discover Checking account! Users can earn 1% cash back on up to $3,000 in debit card purchases per month, up to $360 cash back per year! Plus, experience no monthly fees or monthly balance requirements and access many no-fee ATMs nationwide!

However, if you are not currently interested in a new banking experience from Discover Bank, find our complete list of Bank Promotions for all your banking needs!