Discover Bank offers customers a full line of financial products, free mobile banking, competitive rates and personalized customer service. It also provides liability protection, fraud monitoring, bill pay protection, FDIC insurance and more. Live customer service representatives are available by phone 24/7. With Discover Cashback Checking, you are not charged any monthly fees and you get 1% cash back on up to $3,000 in debit card purchases per month. The bank’s online savings account offers a competitive 1.30% APY with no minimum opening balance and no monthly fee Discover also offers money market accounts, flexible-term CDs, traditional and Roth CDs, and various loan and credit products.