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Discover Bank vs Bluevine

Discover Bank is a solid online bank with high APY rates and good customer service. How does it compare to Bluevine? Read our comparison chart below.

Discover Bank offers some of the highest interest rates on the market. CDs go up to 10-year terms. There are no service fees.

While Bluevine offers one of the highest APYs on the market for its Business Checking account. You also get 5 free subaccounts, unlimited transactions, 2 free checkbooks a year, and additional users at no extra cost. There's no monthly fee.

Compare Discover Bank with Bluevine, side-by-side. Read on for an in-depth look, including ratings, reviews and pros.

 Discover Bank
Member FDIC
Bluevine
 Visit SiteVisit Site
 

Discover Bank

Bluevine

SPECIAL OFFER
Online Savings Account - Earn 3.40% APY - Learn More

Read Discover Bank Review

SPECIAL OFFER
Free Business Checking - Earn $500 Bonus - Learn More

Read Bluevine Review

 

Benefits and Features

Savings
3.40% APY
No savings account, but you add 5 free sub accounts
CD2.00% to 4.00% APY depending on terms 
Checking 3.5% APY for Premier customers, 2.4% APY for Plus customers, 1.3% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard
Monthly Fee Standard tier: $0 per month
Plus Tier: $30 per month (can be waived with $20k average daily balance and $2k debit card spend)
Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend)
APY 3.5% APY on balances up to $3M for Premier customers; 2.4% APY on balances up to $250,000 for Plus customers; 1.3% APY on balances up to $250,000 for Standard tier customers that meet monthly eligibility requirements
Minimum Deposit to Open 
$0
Mobile App
iOS & Android
 
ACH Transfer Fee 
$0
ATMs
Over 60,000 no-fee ATMs
approximately 40,000 MoneyPass ATMs
Balance Requirement 
None
Cash Deposit Fee $4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs
Customer Service
24/7
Phone and email: Monday - Friday. 8 am to 8 pm EST
Incoming Wire Transfer Fee 
$0
Locations
Online Only
Online only
Out of Network ATM Fee 
$2.50
Outgoing Wire Transfer Fee $15 ($12 for Plus; $7.50 for Premier)
Overdraft Fee 
$0
 

CreditDonkey® Reviews

 Discover BankBluevine
SavingsStarStarStarStarHalf Star
CheckingStarStarStarStarEmpty StarStarStarStarStarHalf Star
Money MarketStarStarStarStarHalf Star
Mobile AppStarStarStarStarStarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarStarStarStarStarHalf StarEmpty Star
FeesStarStarStarStarStar
Pros & ConsPros:
  • High yield
  • No fees
  • 24/7 customer service
Pros:
  • High interest rate
  • $0 monthly fee
  • Free checkbook
Cons:
  • Fees to deposit cash
  • No physical branches
Bottom LineSolid online bank with high APY rates and good customer service... Read full reviewFree account with interest for basic business checking needs... Read full review
 Visit SiteVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Discover Bank: Pricing information and data points from published website as of 09/30/2025.

Discover Bank
Member FDIC

Online Savings Account - Earn 3.40% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required
Discover Bank
Member FDIC

Certificate of Deposit

  • 3.50% APY for 6-month term
  • 4.00% APY for 12-month term
  • 3.80% APY for 18-month term
  • 3.60% APY for 24-month term
  • 3.60% APY for 36-month term
  • 3.60% APY for 5-year term
Discover Bank
Member FDIC

Discover® CD Rates

  • No minimum opening deposit required
  • No fees
  • FDIC insured

Term CD Rates
3 Months 2.00% APY
6 Months 3.50% APY
9 Months 3.50% APY
1 Year 4.00% APY
1.5 Years 3.80% APY
2 Years 3.60% APY
2.5 Years 3.60% APY
3 Years 3.60% APY
4 Years 3.60% APY
5 Years 3.60% APY
7 Years 3.50% APY
10 Years 3.50% APY
Bluevine

Free Business Checking - Earn $500 Bonus

Expires 1/31/2026

To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 01/31/2026 using the referral code CD500.

After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:

  • Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
  • Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
  • Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®

Banking services provided by Coastal Community Bank, Member FDIC

Bluevine

Free Business Checking - Up to 1.3% APY

  • 1.3% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC
Bluevine

Free Business Checking - Up to 1.3% APY

  • 1.3% APY on balances up to $250,000 for eligible customers
  • Unlimited transactions
  • Free unlimited invoicing and payment links
  • 5 free subaccounts with unique account numbers
  • 1 free checkbook for the life of the account
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

Which is Better: Discover Bank or Bluevine?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Discover Bank or Wells Fargo.

In short: Discover Bank's customer service is outstanding.


Articles on Discover Bank

Discover Bank Review

Discover® Bank offers high interest rates on its online savings and CD accounts. But there are downsides. Here's what you need to know before you open an account.

Discover Online Savings Account Review

Make your money work with Discover® Bank high yield savings: high interest, no fees. Find out its benefits, drawbacks, and the easy way to open an account.

Discover CD

Maximize returns with Discover® Bank lucrative CD rates - no hidden fees. Read this detailed review.

Discover Bank Locations

Wondering if there is a Discover® Bank near you? Read this article to find out.

Who Owns Discover

You've probably heard of Discover credit cards, but what exactly is Discover® Bank? Is it a legitimate bank? Read on for all the details.

Is Discover a Real Bank

Looking for a safe bank with great rates? This analysis of Discover® Bank reveals all - is it legit? Find out now.

Is Discover Savings Worth It

Is your money secure in a high-yield Discover® savings account? Get your answers now.

Articles on Bluevine

Bluevine Business Checking Review

Bluevine offers free business checking with a high interest rate. But what's the catch? Is it right for your business? Read on for the full review.

Is Bluevine Safe

Bluevine provides banking products for small business owners in the digital age. But is it safe and legit? Read on to find out.

Bluevine Alternatives

Bluevine offers a high APY and no monthly fees. But it has limitations. Find out if one of these business checking alternatives is better for you instead.

Which Do You Think is Best?





Which Bank Account is Right for You?


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