Access your Discover savings account through the Discover website or mobile app
You can reach your Discover savings account in two ways: through discover.com on a web browser, or through the Discover mobile app on iOS or Android. Both routes take you to the same account and show the same balance, transactions, and transfer options. The website works on any device with a browser; the app is faster if you check your account regularly.
You will need your username and password to log in. If you do not have these yet because you just opened the account, Discover sends login credentials to the email address you provided during signup—check your inbox and spam folder. If you cannot find that email, you can create new credentials by selecting "Enroll Now" on the login page.
Once you are logged in, your savings account dashboard shows your current balance, recent deposits and withdrawals, interest earned, and the annual percentage yield (APY) your money is currently earning. From there you can transfer money to another bank account, set up automatic transfers, or adjust account settings.
Key Takeaways
- Log in at discover.com or through the Discover mobile app using your username and password.
- If you just opened the account and do not have login credentials, check your email for a message from Discover with enrollment instructions.
- The website and app show the same information and let you transfer money, view interest earned, and manage settings.
- You can reset your password from the login page if you forget it, and Discover will send a reset link to your email.
- Two-factor authentication is available as an optional security step after you enter your password.
What to do if you cannot remember your password
Select "Forgot username or password?" on the Discover login page. Enter the email address or phone number associated with your account. Discover will send a password reset link to that email or a code to that phone number, depending on which you choose.
Click the link in the email or enter the code on the reset page, then create a new password. Your new password must be at least 8 characters and include uppercase letters, lowercase letters, and numbers. Once you save the new password, you can log in when ready.
Setting up two-factor authentication for extra security
After you log in with your username and password, Discover can send a one-time code to your phone or email as a second verification step. This means even if someone learns your password, they cannot access your account without that code.
To turn on two-factor authentication, go to Settings or Security in your account, then select "Authentication Methods" or "Two-Factor Authentication." Choose whether you want codes sent by text message or email, then confirm your phone number or email address. The next time you log in from a new device or browser, you will receive a code to enter before reaching your account.
Transferring money out of your Discover savings account
Once you are logged in, select "Transfers" or "Move Money" from the main menu. You can transfer to another bank account you own, to another person's bank account, or to a Discover checking account if you have one.
For transfers to accounts outside Discover, you will need the routing number and account number of the receiving bank. Discover can walk you through finding these numbers if you do not have them. Transfers typically take one to two business days to complete, though some banks process them faster.
You can also set up recurring transfers—for example, moving a fixed amount to another account every month. These run automatically on the date you choose unless you cancel them.
Viewing your interest earnings and account statements
Your account dashboard shows how much interest you have earned in the current month and year. The interest rate (APY) appears on the same screen and updates when Discover changes rates.
To read a statement, look for "Statements" or "Documents" in your account menu. Discover lets you read statements as PDF files going back several years. You can also request paper statements be mailed to your address, though this usually takes longer than downloading.
Contacting Discover if you cannot log in
If you have tried resetting your password and still cannot access your account, call Discover customer service at the number on the back of your debit card or on discover.com. Have your account number and a form of ID ready. They can verify your identity and either reset your account or troubleshoot what is blocking your login.
Discover also offers live chat through the website during business hours. Select "Contact Us" from the main menu, then choose chat if it is available. Response times vary depending on how busy they are, but chat usually connects you within a few minutes.
Frequently Asked Questions
Can I log into my Discover savings account on someone else's computer?
Yes, but use caution. Log out completely when you are done, and do not save your password in the browser. If the computer is shared or public, consider using your phone or a personal device instead. Discover can send you a code to verify your identity on an unfamiliar device if you turn on two-factor authentication.
What if I see a transfer I did not make?
Contact Discover when ready through the phone number on your account statement or the back of your debit card. Describe the transfer and when it happened. Discover will investigate and can reverse unauthorized transfers while they look into it.
Does Discover charge a fee to transfer money out of my savings account?
No. Discover does not charge fees for transfers to other banks or for moving money between your own Discover accounts. Some banks that receive your transfer may charge a fee on their end, but Discover's side is free.
Can I change my login username?
Yes. Go to Settings or Account Management in your logged-in account, find "Username" or "Login Credentials," and select the option to change it. You will need to verify your identity before the change takes effect.