
Online Savings Account
Kick-start your savings with a $150 or $200 bonus offer*
Earn X.XX% APY† - with rates this high, it's the perfect time to save
Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.
With rates this high, it's the perfect time to save
Deposit at least $15,000
within 45 days of account open date
Deposit at least $25,000
within 45 days of account open date
*To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code BBRE325 at application, 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. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 9/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank.
Maximum savings with minimum hassle
Non-APY comparison conducted by an independent research firm and based on data compiled in April 2025 from company websites, customer service agents, and consumer savings account offers. In some cases, competitors assess and/or waive fees if certain criteria are met.

Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.
Explore how our high-yield savings account stacks up and open an account today.

Some banks may offer relationship or promotional rates with higher APY rates when all requirements are met.
Some competitors have minimum thresholds before insufficient funds fees are applied and may have a cap on the number of insufficient funds fees charged in a timeframe.
Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.
†Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.
Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. JPMorgan Chase Bank, N.A., Citigroup Inc., Bank of America Corp., Wells Fargo & Co., The PNC Financial Services Group, Inc., U.S. Bank N.A., Ally Financial Inc., and Goldman Sachs & Co. LLC own their own respective trademarks, which may be registered in the United States and/or internationally. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.
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APY
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Interest Compounded/Paid
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Monthly Fee
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Insufficient Funds Fee
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Min. Opening Deposit
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Chase®Regular Savings
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PNC Bank®Standard Savings
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Ally Bank®Online Savings Account
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Citibank®Citi® Savings
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Bank of America®Advantage Savings
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Wells Fargo®Way2Save® Savings
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U.S. Bank®Smartly® Savings
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Marcus®Online Savings Account



You won't pay fees for the following:
- Monthly maintenance
- Official bank check
- Excessive withdrawals
- Expedited delivery for official bank checks
- Deposited item returned
- Stop payment order
- Insufficient funds
- Account closure


Save with confidence—you’re FDIC-insured
- FDIC deposit insurance is up to $250,000 per depositor, per insured bank, per deposit ownership category
- May apply to retirement accounts
- Coverage is automatic
Ready to start saving?
Earn Over 5X National Savings Average: The Annual Percentage Yield (APY) for the Online Savings Account as of XX/XX/XXXX is more than five times the national average APY for interest bearing savings accounts with a balance of $500 as reported by Curinos as of XX/XX/XXXX. National average is based on information regarding the top 50 banks (by deposit size) and may not include information from variations in regional pricing at such banks or information from products that may not be widely available to their customers. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.
*** For more information on FDIC deposit insurance (including information on deposit ownership categories), or for help calculating your coverage, visit EDIE.FDIC.gov or call the FDIC at 1-877-275-3342 (1-877-ASKFDIC).
†Annual Percentage Yield: The APY applies to personal accounts only. Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. APY may change before or after the account is opened. No minimum deposit to open.