Best Checking Accounts for Digital Banking of 2022 – Forbes Advisor

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Discover Cashback Debit Checking customers can access their accounts online and through Discover Mobile, the bank’s popular mobile app, available for iOS and Android devices. The app boasts an impressive 4.9 out of 5 star rating on the App Store and 4.6 out of 5 stars on Google Play.

Unlike the other accounts on this list, the Discover Cashback debit checking account does not pay interest. However, customers are eligible for 1% cash back on up to $3,000 per month of eligible purchases made with the Discover Bank debit card provided with the account.

The Discover app offers many of the usual digital banking features: mobile check deposit, ATM locator, account activity tracking, transaction scheduling, money transfers, and bill payments. You can also enable Quick View, which allows you to view your account balances without logging into your account. Apple users can also access the app using Touch ID, which means this tool is both convenient and secure.

Like some other banks on this list, Discover has partnered with the Zelle peer-to-peer digital payment system, which allows customers to easily send and receive money from the app or website at no cost. . Zelle can send and receive money between almost any US-based bank account.

The debit card associated with this account can be integrated with an Apple Pay digital wallet, but no contactless purchases are enabled and no other digital wallets are supported.

Read our full Discover Bank review.

Discover offers optional overdraft protection by linking a second Discover account to your checking account to fund any overdrafts, other than those caused by an ATM withdrawal or POS debit transaction. These will simply be declined if there are insufficient funds. Without this protection, or if you do not have sufficient funds in your secondary account, the bank will refuse or simply return transactions that overdraw your account.

Discover does not charge out-of-network ATM fees, but you may be subject to third-party fees, which will not be refunded.

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