I called Customer service and opened an IRA CD funded by my Discover Savings Account in one phone call. Then I logged into my account and signed all the documents same time. IRA CD was funded within 1 hour of the first and only call. Love Discover Bank. Concerned about the talk of buyout by Citi Bank.

I've been a Discover customer for 5 years with credit cards and banking accounts, and I've always had a great experience. Their customer service is US based and has always been helpful with resolving any questions or concerns.

Discover Bank just made a nasty change to their Bill Pay. A new rule prohibits scheduling a payment for more than the current balance in my checking account. I have always entered bill payments as soon as I get a bill, scheduling them for the due date, and transferred money out of savings a day or 2 before to cover them. Now I have to either transfer the funds into checking when I get the bills (losing interest), or wait until a couple of days before the due date and hope that I remember to schedule the payment and that nothing prevents me from accessing my account. I've been happy with Discover for 3 years, but this bone-headed change cramps my style & really irritates me.

The worst bank I’ve ever seen. If you plan to open an account with this bank, first read this: 3 months ago I ordered a credit card from the Discovery Bank, and I was interested in the fact that they quickly approve the credit limit, the card quickly approved me, delivered in 14 days, but I could only use it for one month. Then I got a message that I had to confirm my identity with a notary within two weeks, or they’d block my account. I got technical support and tried to explain the situation that I work 6 days a week and I do not physically have time to find a notary (Generally with such a request from the bank in the first). I asked you to extend that time from two weeks to four weeks, to what did the cheerleaders say, "Okay, four weeks is the maximum we can give you." What do you think? My card was blocked two weeks after I sent them all the paperwork. When asked why they blocked it, they said I filled out my paperwork at the wrong notary, I only needed a bank notary. After a couple of days (My card is still blocked) I went to the bank where I asked the notary to fill out the correct document, everything looked okay and I sent it. 10 days later I called the bank and asked if they reviewed my documents, they replied that yes, but can not accept them, as the notary did not fill in the field "Notary Commission/Identefication numbder" One reservation, I live in New Hampshire, here do not use this number. I have only one question, how a notary who checks my documents may not know, because the document says that the notary has confirmed them in NH. I asked them to talk to the manager of their department, and they told me he wasn’t there, but he could call me back in two days (it was 10:00 AM at the time) but I still had to go back to the bank and ask the notary to fill out my form. So I did, the whole story, in the column "Notary Commission/Identefication numbder" Write "N/A in New Hampshier", send, 14 days, no answer, I call the bank, and they tell me that my date of birth is not readable in the document. (At that point I just felt like I was in a circus) 3 times I sent the document, and 3 times I faced incompetence of employees. I asked the support guy, "Can you read my birthday?" And he said to me, "Yes sir, I can see here *Calls my date of birth*, but the notary’s department said it’s unreadable, so I can’t help it. He added that if I didn’t confirm my identity in two days my account would be completely blocked. I asked you to talk to the manager, and I was told that he wasn’t there as usual, but he could call me back. SPOILER: The manager hasn’t called me once. At the end, I was told that if I didn’t confirm my identity in two days, my account would be permanently blocked. I did all the same waiting 14 days, and I got a message that my account had been blocked. I’m dialling the bank to find out what’s wrong again. Why this time they could not confirm the document. The support person says, "I see the comment that we called the notary once, he didn’t pick up, so we couldn’t confirm your identity. We cannot recreate your account because it is blocked, you can try to create a new one. Here’s what I can tell you. No company or bank has sucked as much nerve as Discovery Bank. I think if there’s a bank in Hell, it’s called Discovery Bank. As a result, I used a card for 1 month, spent 64 dollars out of 1000, (I paid it before state) And then try to proof that i real persom and 2 months met with employees of the Discovery Bank who are either not so interested in their work that would Google that HX could have other laws, The libor is so not motivated to provide quality service that even after two requests to contact the manager, the manager can call you back only in a dream. Either Discovery Bank decided to recruit Or the Discovery Bank decided to recruit people who can’t parse complex numbers, like dates of birth. I don’t know, you’ll deduce for yourself. But I assure you, if you have the opportunity to open an account with another bank, in any case, TD Bank, American Bank, Chase Bank, open there, avoid Discovery, such experience that was with them, I would not even wish the enemy.

Opened IRA CD account on-line, but was not allowed to fund it with Discover Bank Savings Account funds. Tried for a week to fund it from other sources with no success. Email inquiry response was wrong and a bunch of BS and the same with the secure message inquiry. After a week, called customer service, after 20 minutes of run around, found out all the forms I filled out on line were for naught. Discover is sending a “Welcome Packet” of 20+ pages to be filled out and signed and returned with directions on how to fund. (This would have been nice to know a week ago.) Once received by DB, “someone” is supposed to call me to get further funding instructions. Maybe some of this info I got is true, the last info I got from customer service wasn’t. I’m checking the mail. Not sure about someone calling and saying they are from Discover Bank and wanting my banking information. Good interest rate, but not worth the pain and suffering. I will purchase future IRA CD’s elsewhere.

Opened a discover deposit account a few months ago . Randomly on Jan 9 2024 got a notification that my account was being closed due to “business decision “ and that any funds in the account will be mailed by check in 15 business days . No warning , no fraudulent activity , and poof account just closed ! Never banking with them again

I inquired and opened 2 IRA accounts, a regular and a Roth one, one being a CD, the other one being a savings. Their rates are very good. Customer service was excellent. Account opening was simple. Everything worked fine. 2 problems: The e-forms the website wants you to sign were filled out incorrectly (many items missing), so forms had to be filled out manually, scanned and uploaded. Thankfully their website has all forms available, and the option to upload them. The other problem is that, every time you want to make a contribution, you have to fill out a contribution form, print it, sign it, scan and upload it. Then you have to call in later so they can read their disclaimer to you over the phone and execute the transfer. Other than that, all is good. I am planning on expanding my business with them.

I opened a Discover high yield savings account with an initial deposit of $10,000. 4 weeks later I transferred $500 from the same external account I originally used. After 6 days I received a message saying had to verify that account again. 4 business days & I never received the confirmation deposit. Back & forth with Discover they said try again. Once again my account wasn't deemed valid. It's been 2 weeks of trying to get my $$ out electronically. I finally requested a paper check. Online they say 5-6 days. When I made the request I was told 6-8 days. I keep getting different answers from Discover customer service. HANDS DOWN THE WORST CUSTOMER SERVICE EVER!!

Started off liking my Discover card for the points - but worst experience ever this past year. Had not 1, but 3 fake charges to my account. The first two were small and I was unable to reach customer service despite multiple tries, so I gave up. The third was the last straw and a huge amount. I paid most of it while it was in dispute (I have an 820 credit score, 50 page credit report of perfect account history, never late, never even carried a balance). The charge disappeared, then came back. They never sent me ANY documentation of their investigation and I sent them dozens of documents about this fake company. The charge came and went for almost a YEAR. Finally I decided to close my account amidst other problems. Then I start getting "past due" bills for that fake account coming back. I have been calling twice a week and can't get through to anyone who can do anything. I am convinced they are part of this scam charge. Think about it - card has no annual fee, I've never been late, always pay in full, AND I get the points - so this is the only way they can make money off me. The charge is over a year old at this point and to this day, they have not provided me with A SINGLE shred of evidence of any sort of investigation whatsoever - again, I wouldn't be surprised if they were the ones inventing these fake charges themselves since it's the only way they can make money off me. For anyone wondering, the same fake charge came on two of my Chase accounts, and they resolved it right away, no issues. We know which card I'm sticking with here on out. Shame on you, Discover.

Long story short. I opened and closed my bank account within 10 days. Too dificult to spend your money. The reasons are: I can't wire any funds for 30 days, I can't use Zelle for number of days, can't buy Crypto, can't transfer my money to my account in Sofi because they do not work with Sofi. When I asked to have my account closed, the customer representative hung up on me. There are too many can't and I don't have time to work with this backward bank.

Clear instructions for a June 29 transaction. Botched due to a "computer glitch". They said it would be fixed after I made a phone call. A week later...it wasn't. Asked the manager, Tacie, to fix my problem. She said I'd have to wait another day because an agent had been assigned to the problem. I'm travelling but had brought my paperwork with me because my experience with their administrative capabilities has often been frustrating. Unfortunately...my preparation was warranted. Shame on Tacie for not fixing the problem immediately and for choosing to pass the buck.