Discover Checking Accounts

I just opened a money market account and made a maximum FDIC insured deposit only to learn that they were holding my money for over 2 weeks...anywhere else your money will be held for only 3-5 days. Really disappointed and will close the account ASAP!

Do not open any accounts with this bank! There is a cyber issue with this bank. You will get unsealed mail when your account says paperless. You will get to the store and find you can not use your card because the " SYSTEM HAS SUPPOSEDLY SENT YOU ANOTHER CARD" happened to me twice in the 6 months i had them. So many times the system is unavailable for you to get into your account. Do yourself a favor, choose a bank you can trust your money and your personal information with!

Hacked? System down? I don't know what has happened but Discover went down twice in the last month. The first time, could not deposit or withdraw for 3 days and couldn't pay rent (they held my deposited checks without clearing them). Last time, there was 'system maintenance' for 36 hours with no warning given to customers and you couldn't access money again over a weekend.

Things Discover doesn't announce? Paypal, Venmo, and any money apps DO NOT work with Discover checking. The Zelle app that is on their own site DOES NOT work either, at least for months now (a warning pops up when you click it). They recommended Walmart Money Services to get external account money into account and it doesn't work unless they have chosen to upgrade your debit card to the tap card, which I haven't been given. I can't run to another bank fast enough.

After losing a job 4 years ago I had both of my bank accounts get closed. So I had to use discover because no other bank would take me at the time.

The good things they used to do were they would never overdraft me, and they would never charge me a fee for something that didn't clear. My account was also over $170 due to someone charging something back on ebay but after 3-4 months during covid they actually mailed me a check so my account would no longer be negative.

The bad - I would only have maybe $30-40 in this account at a time to cover subscription fees like hulu, spotify, and so on. I had used it for instacart one day and something glitched in instacarts system which made them charge me $200 instead of $70 and I ended up being in the negative. Instead of helping me/covering the charges they charged back every single purchase including the valid ones when at the time there was money in the account for, and I randomly had to deal with 4-5 of my accounts being banned and explaining the situation to each one. This bank isn't the same anymore, it does super shady things and the one time that I actually needed to do a chargeback myself they pretty much told my to screw off.

I'd avoid this bank

Holy ****...run as fast and as far away as you can from Discover Bank. Had my account compromised twice within a month (was not tied to any auto pays or anything). Reached out to them and had to jump through hoops just to get it investigated. When it finally did I had to call back in to get my accounts reattached to my new member profile. Except....taaaa daaaa. They couldnt find my old accounts that totaled over $12,000. Had to jump through more hoops which took over a week and they FINALLY were able to locate them due to THE AGENT MISPELLING MY NAME.

Like holy ****.....how bad do you have to be to actually mess all of this up.

We opened a Discover 1% cash back and savings accounts on 31 May 2022. We had a fraud alert in mid-Aug that froze the account. I was able to get that fraud alert cleared. Two days later, we had another fraud alert and our account was closed without notice, essentially freezing our funds. I was told this was a computer generated business decision that is proprietary information to the bank. I am unable to get a statement for the month of August and will have to pay fees for items that did not clear. There is no recourse for the customer and nobody to speak to who can verify why the account was closed. We keep another local bank account and are lucky we are able to continue with a legitimate account outside of Discover.

This bank repeatedly gave me incorrect information regarding my account status, told me they were unable to perform certain services when they were able to do so, and violated their own agreements. When confronted, they admitted their wrongdoing and apologized but are taking no action to remedy the consequences of their failures. It's incompetence to the point of criminal negligance.

Do you know what excellent credit, no late payments, and lots of money in a checking/savings account gets you at Discover: a closed bank account “due to a business decision”

I received a email saying suspicious activity on my account and to call discover. I called to shockingly find out they closed my account. I asked why and they replied, “all we can tell you is a business decision was made”.

But wait it gets even more crazy, I asked where all my money went? They said, “in 60 to 90 days it will be mailed out to you”. Luckily I have money in another bank, but if I didn’t I would be late on all my bills! I would stay far far away from Discover!!!

I would give negative stars if I could!
I opened a Discover checking account around June 28, and they decided to close it on July 25 for "suspicious activity". I did absolutely nothing wrong, and now they won't return my money for 60 days. I cannot wait 60 days, who can? I called everyday between July 25 - July 29, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened (implying it would come before my money), but then someone told me today that letter would not come until my check came with it.
It is not benefiting them at all to hold it that long, meanwhile I'm the one suffering without my money.

What this company does to its bank customers is criminal. Get a lawyer and get your money out if you are Discover customer. Read on as to why....

Discover froze my bank accounts and is holding my money (and many other customers' money), based on "unusual activity", and I cannot connect with anyone at Discover to unfreeze my accounts (it's been over 21 days as of this review). Note that I have absolutely no online access to my accounts, and Discover is forcing me to call them to unfreeze my accounts. No one who I have spoken with can tell me why my accounts are frozen.

I called Discover back on the same day of the issue and subsequently every day since to speak with one of their bank security team members. The hold times are usually 2-3+ hours. Half the time, their phone system provides a message about high call volume and then just disconnects. Furthermore, I was able to get through two times to the bank security team, only to be told that their hours are 8a-12a ET, and that they were not available to help me, and that I would need to call back during those hours; Discover advertises 24/7 customer support.

I've placed over 40 calls in the past 21 days. I have spoken to a number of Discover customer service professionals, but they cannot unfreeze my account and tell me that I must speak with the bank security team. They will only transfer me and put me in the 2-3+ hour holding queue.

I've tried to get help via chat, Facebook and Twitter, but Discover either continues to post the same reply about calling the number listed above, or in some cases doesn't respond at all.