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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 BankBluevine
 Visit SiteVisit Site
 

Discover Bank

Bluevine

SPECIAL OFFER
Discover Online Savings - $200 Cash Bonus - Learn More

Read Discover Bank Review

SPECIAL OFFER
Business Checking - Up to 1.5% APY - Learn More

Read Bluevine Review

 

Benefits and Features

Savings
0.60% APY
No savings account, but you add 5 free sub accounts
CD0.30% to 2.50% APY. Terms of 3 months to 10 years. $2,500 minimum 
CheckingCashback Debit Account: 1% cash back on up to $3,000 in debit card purchases each month. See website for detailsUp to 1.5% APY. No monthly fees; no balance requirements; no overdraft fees
Money Market0.50% APY under $100,000; 0.55% APY $100,000 or more. $2,500 minimum deposit. 
APY 1.5% APY on balances up to $100,000 for customers that meet monthly eligibility requirements
Customer Service
24/7
Phone and email: Monday - Friday. 8 am to 8 pm EST
Minimum Deposit to Open 
$0
ACH Transfer Fee 
$0
ATMs
Over 60,000 no-fee ATMs
37,000+ MoneyPass ATMs
Balance Requirement 
None
Cash Deposit Fee 
$4.95
Incoming Wire Transfer Fee 
$0
IRA CD12-month CD APY of 1.30%. 24-month CD APY of 2.00%. 5-year CD APY of 2.50%. 
Locations
Online Only
Online only
Out of Network ATM Fee 
$2.50
Outgoing Wire Transfer Fee 
$15
Overdraft Fee 
$0
Monthly Fee 
$0
 

CreditDonkey® Reviews

 Discover BankBluevine
SavingsStarStarStarStarHalf Star
CheckingStarStarStarStarEmpty StarStarStarStarStarHalf Star
Money MarketStarStarStarStarHalf Star
Customer ServiceStarStarStarStarStarStarStarStarHalf StarEmpty Star
Mobile AppStarStarStarStarStarStarStarEmpty StarEmpty StarEmpty Star
FeesStarStarStarStarStar
Pros & ConsPros:
  • High yield
  • No fees
  • 24/7 customer service
Cons:
  • No interest checking
  • $2,500 minimum deposit for CDs
Pros:
  • High interest rate
  • $0 monthly fee
  • 2 free checkbooks
Cons:
  • Poor app ratings
  • Fees to deposit cash
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

Business Checking - Up to 1.5% APY

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 04/29/2022

Discover Bank
Member FDIC

Discover Online Savings - $200 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account (online, by phone or Discover App). Enter Offer Code CY222 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 06/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 6/15/2022
Discover Bank
Member FDIC

Discover Online Savings - $150 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account (online, by phone or Discover App). Enter Offer Code CY222 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 06/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 6/15/2022
Discover Bank
Member FDIC

Online Savings Account - Earn 0.60% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required
Bluevine

Business Checking - Up to 1.5% APY

  • 1.5% APY on your balance up to $100,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee

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 Chase.

In short: Discover Bank's customer service and mobile app are outstanding.


Articles on Discover Bank

Discover Bank Review

Discover 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

Discover Bank online savings account offers a high interest rates and no monthly fees. But is it the right place for your money? Read on to find out, plus the best way to open an account.

Discover CD Review

Discover Bank's CD account offers high rates and no hidden fees. But is the term worth it? Read this review before you open a CD.

Is Discover Savings Worth It

Looking for a better place to keep your money safe? Find out if a Discover Online Savings Account is worth it for you.

Discover Savings Bonus

You could earn $150 or $200 when you open a Discover Online Savings Account. Find out how to qualify for this Discover Bank promotion.

Articles on Bluevine

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.

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.

Which Do You Think is Best?





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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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