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Money Market Account

Get cash on the go and earn interest while you’re at it.

Open an Account
If you want to earn interest but need easy access to your cash via ATM, debit and checks, our Money Market Account is for you.


Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX for Money Market Account balances under $100,000 and subject to change daily without notice. Minimum opening deposit is $2,500.

for balances under $100,000


Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX for Money Market Account balances of $100,000 or more and subject to change daily without notice. Minimum opening deposit is $2,500.

for balances $100,000 and over

No fees? No problem.

No. Fees. Period. That means you won't be charged an account fee on our Money Market Account.

Outgoing wire transfers are subject to a service charge. You may be charged a fee by a non-Discover ATM if it is not part of the 60,000+ ATMs in our no-fee network.

  • Minimum balance fees
  • Withdrawals at over 60,000 ATMs nationwide
  • Replacement debit card
  • Standard checks
  • Official bank check
  • Online bill pay
  • Expedited delivery for debit card replacement
  • Expedited delivery for official bank checks
  • Deposited item returned
  • Excessive withdrawal fee
    • Federal law limits certain types of withdrawals and transfers from savings and money market accounts to a combined total of 6 per calendar month per account.
    • There are no limits on ATM withdrawals or official checks mailed to you. To get an account with an unlimited number of transactions, consider opening a Discover Cashback Debit Account.
    • If you go over these limitations on more than an occasional basis, your account may be closed. See Section 11 of the Deposit Account Agreement for more details.
  • Stop payment order
  • Insufficient funds
  • Account closure
Get Started

It’s your future. We just help make it count.

See how soon you can get where you're going with our money market interest rate calculator.

Assumes principal and interest remain on deposit and interest rate and APY do not change for one year. The values shown are for illustrative and informational purposes only and may not apply to your individual circumstances.?

Please enter an amount between $2,500 and $5,000,000.

‘Total savings’ equals initial deposit plus interest earned over duration of time chosen.

Customers at Chase would only earn in interest.
Compare other banks
Other banks

Total interest you’ll earn with us

With them:
Wells Fargo
U.S. Bank
Fifth Third Bank
PNC Bank
Capital One

We’re right on your way.

See which of our over 60,000 no-fee ATMs are at the stores you already frequent.

Some ATMs have limited hours and/or restricted access. You may be charged a fee by the ATM owner if you use an ATM that is not part of our no-fee network. If you encounter any issues using the ATMs displayed on this site, please contact us at 1-800-347-7000.

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    Take your account with you.

    Our app helps you make the most of your Money Market Account wherever you are.

    Temporarily freeze your debit card from the app if you ever misplace it.
    Get access to your Money Market Account on the go with one of our no-fee ATMs near you.
    Easily deposit a check into your account by snapping a photo of it with your smartphone or tablet.

    For more information regarding the Discover Bank Mobile Check Deposit Service, click here.

    Check on your Money Market Account easily. Anytime. You can even skip the passcode and log in with touch or face ID.

    Face ID is currently available to iOS users.

    We score out of 5 stars!

    Star rating is representative of the Apple? App Store rating for the Discover mobile app and is updated daily.

    Get the best of both?worlds.

    Enjoy high-yield money market interest rates plus easy access to your cash.