![]() ![]() The bank’s customer service phone number is 80. If you prefer to open your savings account over the phone, you can do that by calling Discover. ![]() But don’t worry if you don’t have an initial deposit-there’s no minimum initial deposit to open a Discover savings account. Then read the account disclosures and make your initial deposit. Provide the required information, including your name, address and identity details. Just go to the Discover High Yield Savings account landing page and select “Open an Account.” If you’re already a Discover credit card holder or savings account customer, you can log in to your account to populate some fields on the application. If you decide to open a Discover savings account, the process is simple. The Discover savings account interest rate applies to your entire account balance, with no requirements and no tiers, so you’ll earn the same interest rate on every cent in your account. Some banks require you to have a certain balance to get the best interest rates and some may only apply interest to a portion of your balance. While you may be able to find a slightly higher rate elsewhere, Discover’s rate is competitive with the best online savings accounts and well above the current national average savings interest rate of 0.46% as of October 16, 2023. ![]() This interest rate is promoted by the bank as over five times the national savings average. The Discover Bank Online Savings Account pays 4.35% APY. ![]()
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