discover atm deposit

Businesses can use this guide to discover, understand, with a transaction reference number that they can then bring to an ATM, bank. You'll need a PIN to withdraw from your Discover it® Cash Back credit limit Many ATMs support a direct deposit of cash, and you can also. Your available balance will be different from your current balance if we have placed a hold on your deposit or if an authorized credit or debit card.

: Discover atm deposit

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Discover atm deposit -

 If you want to deposit cash at a local ATM, you should look into credit unions that have a network of ATMs.


See if you can deposit money orders - you can buy them with cash, then "mobile deposit" them into the bank's app (or you can mail them to Discover).


Is Discover Bank able to accept cash deposits?

Local deposits are deposited and transferred electronically


Some online banks, such as Ally, Capital One 360, and Discover, allow you to link your account electronically with another account at a traditional bank or credit union. The linked institution may have a local branch where you can make a cash deposit.


Is it possible to deposit cash at any ATM?

Is it possible to deposit cash at any ATM? You cannot deposit cash at every ATM. To deposit funds into your bank account, you must also deposit cash into an ATM from a bank that you already have an account with.


How do I make deposits to my Online Savings Account?


Deposit a check with Discover’s Mobile Check Deposit using your mobile device.

Complete an online transfer from an eligible Discover Bank Account.

Complete an online transfer from an external bank account.

Set up Direct Deposit.


Are allpoint ATMs capable of accepting cash deposits?

Deposits can be made at Allpoint ATMs with no surcharge. A deposit-enabled Allpoint ATM allows account holders whose banks or credit unions are members of the Allpoint network to deposit checks and cash without the need for an envelope or deposit slip.


How do I deposit money into Discover Bank?

This process will deposit the funds into your account. You may be asked to provide your Discover Bank routing number as proof of your identity.


Deposit a Check in Discover Bank Accounts


Sign the check you wish to deposit.

Log into the app and go to the deposits section.

Take pictures of the front and back of the check.


Are Discover credit cards accepted at ATMs?

You will not be charged an ATM surcharge fee when taking a cash advance with your Discover credit card at one of these locations, but your cash advance APR and cash advance fee will apply. Other ATMs that are not designated as "Surcharge-Free" may charge surcharge fees for cash withdrawals.


What is the maximum amount you can deposit in an ATM?

$10,000 or more in check deposits


If your bank does not allow mobile deposits on phones or ATM withdrawals, then your $10,000 check could not be deposited via mobile deposit. You can usually access your checking or savings account immediately after depositing a check at the teller window.


What ATMs accept deposits?

These banks and credit unions don’t let you deposit cash at any ATM:


Bank of America: Deposits can only be made at Bank of America-branded ATMs.

Chase: You can only deposit cash and checks at Chase ATMs.

Citibank: You can only deposit cash and checks at Citibank ATMs.


Is it safe to deposit money into an ATM?

The Safety of ATMs for Deposits


In most cases, your deposits should be successful and error-free. But consider the consequences of an error. Especially when you’re making a large, important deposit — or if you’re in danger of bouncing checks — an ATM might not be your best choice.


Discover online banking is it safe?

Keeping a minimum balance and paying a monthly fee


In spite of this, many banks have instituted a wide variety of fees: maintenance fees, fees for below-minimum balances, ATM fees, and so on. Keeping the account with Discover is a safe way to save money since you don't have to worry about the bank taking your savings.


Discover Bank: Is it a good bank?

Among these banks is Discover Bank, which offers a full range of checking, savings, money market, and CD accounts with competitive rates and no monthly fees. Discover Bank review will show you if Discover is right for you if that sounds good to you.


Exactly where is Discover Bank located?

There are two Discover Bank branches. The address of their corporate headquarters is 502 E. Greenwood Delaware's Market Street.


Is it possible to deposit cash at Discover ATMs?

While some online banks accept ATM cash deposits, others do not - for example, Ally Bank and Discover Bank.


Allpoint ATMs are really free?

Allpoint does not charge fees to cardholders of participating financial institutions. We have an ATM locator that can help you locate an Allpoint ATM. We provide Allpoint cardholders with a map of ATM locations that are free of charge.

Источник: https://www.yourhop.com/2021/07/can-i-use-discover-atms-to-deposit-cash.html

Frequently Asked Questions


 
How do I sign up for a Play+ account?
Sign up for your DraftKings Play+ Prepaid (“Play+”) account by logging into your DraftKings account and visiting the Deposit Page. Select the Play+ funding option. Verify your mailing information is correct on the form.  Read and, if you agree with the program’s Terms and Conditions, click Deposit and Enroll.  Upon successful registration, you will have the opportunity to add funds to the account immediately using a Bank Card.    Once you have withdrawn $150 to your Play+ account or funded your Play+ account with $150 or more, your personalized card will be mailed to your address on file within 10-14 days.

What are the benefits to using a Play+ account?
Play+ provides a fast and easy way to deposit and cash out while playing online.  It is a great way to manage your money and can be used everywhere Discover® is accepted.  Play+ has a very high approval rate when loading funds and is easy to use. 

How does my Play+ account work?
Since the Play+ card is not a credit card, there is no waiting for credit approval, no credit check, and no credit limits to worry about.  Not only can you use your account for gaming at Play+ locations and sites, but you can use your card for purchases everywhere Discover® is accepted and at any ATM that accepts PULSE® and NYCE® cards.  Additional features and limitations of this account can be found in the Play+ Terms and Conditions.

How do I fund my Play+ account with a Bank Card?
Fund your Play+ account by logging into your DraftKings account and visiting the Deposit Page.
 

  • Select the Play+ funding option
  • Select or enter the amount you wish to fund to Play+
  • Enter the Bank Card number you wish to fund with in the appropriate field
  • Complete the security code and expiration date fields
  • Enter the amount you wish to transfer from Play+ to DraftKings
  • Click Confirm Deposit
 
My Bank Card was declined when attempting to Load Funds to my Play+ Account.
It is possible that the information that was supplied during enrollment for the Play+ account does not match the information on file at your Financial Institution. The Bank Card you are attempting to fund with must be the same address as the Play+ account.  Please contact your Financial Institution to confirm the information that is associated with your Bank Card. If you need additional information or help please email us at [email protected] with your inquiries.
 
Important:  Please note, the address on the Bank Card you are using to fund needs to be the same as the address on file with the Play+ account. Fees may apply to this funding transaction, for details please see the Terms and Conditions. 
 
Can I schedule a transfer frequency from my Bank Card to my Play+ Account?
You may opt to save a Bank Card as a funding source upon a successful funding transaction. However, due to the requirements of the payment processors, it will be necessary to select the Bank Card and input an amount to be funded for each funding transaction. 

How do I transfer funds from my Play+ Account to my wager account?
  • Log into your DraftKings account and visit the Deposit Page
  • Select the Play+ funding option
  • Select Transfer Balance
  • Enter the dollar amount to transfer (Any value below or up to the balance on the Play+ account may be transferred to the wager account)
  • Click Transfer
 
How do I transfer funds from my wager account to my Play+ Account?
  • Log into your DraftKings account and visit the Withdrawal Page
  • Select the Withdraw button for the Play+ funding option
  • Enter the dollar amount to transfer (Any value below or up to the maximum account balance may be transferred to your Play+ account)
  • Click Request Withdrawal
 
What are the monthly fees for my Play+ Account?
To learn more about the fee structure, log onto draftkings.mycardplace.com and view the Terms and Conditions.

Can my Play+ card be sent to a PO Box?
No, cards must be sent to a physical residential address.

How do I reset/change my PIN number?
Your PIN can be reset using the IVR at 855-558-0043 (push 4 once card number is entered) or by logging in to
draftkings.mycardplace.com.
  • Log into draftkings.mycardplace.com
  • Hover over the additional services tab on the right side of the screen – click Change PIN
  • Enter the current PIN and the new PIN you wish it to be changed to – click Change PIN
 
How do I change my password?
If you have forgotten your password, select Forgot your Password on the logon screen. A temporary password will be sent to the email address on file. If you know your password and would like to change it:
  • Log into draftkings.mycardplace.com
  • Click Additional Service Tab on right side of screen
  • Click Change Password/Secret Question
  • Enter current password- enter password you wish to change to – click Change Password
 
How do I update my profile information? I’d like to update my address.
For us to make the change on your Play+ account, we will require that you scan and email or fax one of the following documents as proof of address.  Please ensure that your name and address both appear on the document for verification.  You may email to [email protected] or fax to 702-851-4755.  Please reference “Address Change” on the request.  
  • Scanned image of the Driver’s License or equivalent State Issued Identification card
  • Copy of a utility bill

 
What do I do if my Play+ card is lost or stolen?
Report lost or stolen cards immediately by emailing [email protected] or calling 855-558-0043. Once reported, the account will be closed and a new card will be issued to you, subject to the fee as outlined in the Terms and Conditions.  Additional information regarding liabilities for lost and stolen cards is available in the Terms and Conditions at draftkings.mycardplace.com.

How do I check my Play+ account balance?
You can check your account balance for free online at draftkings.mycardplace.com. Or get free balance alerts via email or by cell phone. You can also call Customer Service at 855-558-0043 and use the automated service.
 
What if I don't agree with my available balance?

You can review posted transactions online at draftkings.mycardplace.com for any discrepancies. Please keep in mind that your account may have pending authorizations that should be complete as soon as the merchant settles the transaction. If you believe that there is an issue with your balance, contact us at [email protected]
 
This card is issued by Bank of George MEMBER FDIC pursuant to a license from Discover Network.  Discover® and the Discover Acceptance Mark are service marks used by Bank of George under license from Discover Financial Services.
 

Источник: https://draftkings.mycardplace.com/cholder/showArticle.action?articleId=ch-faq-articles

ATM Locator

Locate and withdraw cash from over 415,000 ATMs (with access to over 60,000 surcharge-free ATMs through the Allpoint® or MoneyPass® networks) using your Discover credit or debit card.

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.



Debit cardholders who were issued their cards by a credit union or a bank, other than Discover, should check with their issuing institution to verify participation in Allpoint® or MoneyPass®.

Make sure your search is spelled correctly. Try adding a city, state, or zip code.

ATM FinderClose

ATM FinderClose

Note: The Discover ATM Locator contains locations provided by third parties. Discover does not assume responsibility for the accuracy of this information. ATM descriptions used may vary by location.

ATM Locator - Top FAQs

Are there any fees associated with the use of a surcharge-free ATM?

You will not be charged an ATM surcharge when you withdraw cash with your Discover debit card at the surcharge-free ATMs represented by orange map pins. If you take a cash advance with your Discover credit card at one of these locations, you will not be charged an ATM surcharge fee but your cash advance APR and cash advance fee will apply. ATM surcharge fees may apply to cash withdrawals at other ATMs not designated "Surcharge-Free."

Источник: https://www.discover.com/cash-atm-locator

Discover Bank Review

Who Is Discover Bank Best For?

Discover Bank offers an online-only experience, making it ideal for people who are comfortable banking online and want the advantages that come with online banking. Discover may be especially attractive to those who want:

  • No fee online checking and savings accounts with no minimums
  • A balance transfer card with no annual fee and a promotional 0% APR
  • Official bank checks at no cost (with free expedited delivery)
  • Highly-rated credit cards and a well-regarded app to track them with
  • A money market account with a decent APY that is easy to spend from
  • One-stop shopping for deposit accounts
  • Bank accounts with no fees (other than outgoing wire transfer fees)

What Does Discover Bank Offer?

Online Savings Account

The Discover Bank online savings account helps you earn more than you can typically get at brick-and-mortar banks. Plus, it’s easy to avoid paying fees in this account.

  • 0.40% APY
  • No minimum deposit to open
  • No ongoing minimum
  • No monthly fees
  • Free official bank checks (with expedited delivery)
  • No charge for returned deposits or insufficient funds

Requesting a check payable to you (the account owner) won’t count against Discover’s monthly withdrawal limit, but other transactions might. Discover bank does not charge an excess transaction fee if you go over the six-item limit, but the bank may refuse transactions or even close your account if you make a habit of breaking this rule.

The savings account at Discover Bank is accessible to almost anybody, and it pays a competitive rate compared to other banks that don’t require a minimum deposit or balance to earn the stated APY. You may be able to earn a better APY elsewhere, but you may prefer banking with a household name that has a forgiving fee structure.

Cashback Debit

The Discover Cashback Debit account is an online checking account that rewards you for spending. As the name suggests, you earn cash back when you use your debit card, helping to replenish some of the cash you spend.

  • 1% cash back on up to $3,000 per month of debit card spending
  • No monthly maintenance charge
  • No minimum balance required to open
  • Free official bank checks (with expedited delivery)
  • No insufficient funds fees
  • Freeze your debit card to reduce fraud
  • More than 60,000 fee-free ATMs
  • Online bill pay

This is a truly no fee checking account, and it’s hard to pay fees on the account—even if you overdraw. The only fee Discover Bank charges for this account is a $30 outgoing wire transfer fee. But you can easily avoid that by ordering an official bank check or just moving money with a bank-to-bank transfer.

The cash-back reward is notable, but it might not be significant if you’re the type of person who spends over $3,000 each month with your debit card. The maximum reward you can earn is $30 per month, and Discover Bank prevents you from earning rewards on cash withdrawals and some other transactions.

Discover Bank ATMs are part of the Allpoint and MoneyPass networks. You can find them at convenience stores, pharmacies, banks, supermarkets, and more.

Money Market Account

The Money Market Account combines the interest earnings of a savings account with the liquidity of a checking account. As a result, it’s easy to spend money from an account that pays a competitive rate. You’ll earn a bit more in Discover Bank’s savings account, but the money market account could be useful for large bills and other situations.

  • Pays 0.30% APY on balances up to $100,000
  • Pays 0.35% APY when you have $100,000 or more
  • No monthly maintenance charge
  • Requires $2,500 to open
  • No ongoing balance requirement
  • Debit card for spending and cash withdrawals
  • Online bill pay
  • Check writing
  • Free official bank checks (including expedited delivery)
  • More than 60,000 fee-free ATMs
  • No insufficient funds fees

Like the savings account, this account limits certain types of withdrawals to six per month. As a result, this account could be useful for one or two large monthly bills, such as a mortgage payment. But the savings account pays even more than the money market account. If you know when your payment is due, it might be better to keep cash in a Discover savings account and transfer it to checking when you need to make a payment.

Certificates of Deposit

Discover Bank’s high-yield CDs have no fees, and they allow you to lock in a guaranteed rate for an extended period. To open a CD, you must deposit at least $2,500. Discover Bank’s CD rates are current as of September 7, 2021:

CD Accounts
3 Months0.20% APY
6 Months0.25% APY
9 Months0.30% APY
12 Months0.50% APY
18 Months0.50% APY
24 Months0.55% APY
30 Months0.60% APY
36 Months0.60% APY
48 Months0.65% APY
60 Months0.80% APY
7 Years0.80% APY
10 Years0.80% APY

All of Discover’s CDs come with an early withdrawal penalty:

  • 3- to 9-month CDs: 3 months of interest
  • 12 to 36-month CDs: 6 months of interest
  • 4-year CDs: 9 months
  • 5-year CDs: 18 months
  • 7- and 10-year CDs: 24 months

Credit Cards

Discover offers a lineup of credit cards for different needs. All of them offer rewards, and none of them charge an annual fee.

Cash-Back and Travel Cards

Credit-Building Cards

Business

Other Financial Products From Discover Bank

Discover Bank offers several other critical products for consumers, making it possible to handle a variety of financial needs with one institution.

  • Home equity loans
  • Personal loans
  • Student loans
  • IRAs 

Discover Bank Customer Service

Discover Bank’s customer service ratings are quite good, with Discover taking second place in the J.D. Power 2021 Direct Banking Satisfaction Study.

Credit card users also seem to like Discover. The issuer took second place in the J.D. Power 2021 Credit Card Satisfaction Study and third place in the J.D. Power 2021 U.S. Credit Card Mobile App Satisfaction Study.

Customers can contact Discover by phone 24 hours a day, seven days a week at 1-800-347-2683 (inside the U.S.) or 1-801-902-3100 (outside the U.S.). Agents are also available on the website via a chat system.

How to Bank With Discover Bank

To open an account, visit Discover.com or call 1-800-347-7000. As with any bank operating in the U.S., you’ll need to provide personal information when opening an account. Discover Bank is completely online, so you won’t be able to visit a branch to open an account.

Final Verdict

BENEFITS

Discover Bank offers competitive online banking products with decent rates. With no-fee bank accounts and a massive ATM network, Discover is worth a look. Plus, credit cards from Discover have no annual fees, and you can choose cards that provide cash back, help you build credit, or earn travel rewards. Discover Bank may be a good option for all of your deposit accounts, including checking, savings, and CDs, as long as you’re comfortable banking completely online.

DRAWBACKS

Like most online banks, one of the main challenges of working with Discover Bank might be a lack of branches. It’s super easy to bank online, but you may prefer to walk into a branch for help. Also, Discover Bank adds a hurdle that some online banks don’t: You need at least $2,500 to open a CD or money market account, which might be too much for some people.

Источник: https://www.thebalance.com/discover-bank-review-4580436

How Can I Get a Cash Advance on My Discover Card?

If you have an active Discover card, you can use it to pay for purchases or services from any vendor who accepts Discover credit. If a vendor doesn't process credit cards or doesn't accept credit card charges from Discover, you can still use the card to make the payment by obtaining a cash advance. Discover allows you to obtain a cash advance using four different methods: cash checks, banks, automated teller machines and cash deposits into your checking account.

Cash Your Paper Checks

Cash checks are directly connected to your credit account, and you can use them to pay any vendor who accepts personal checks. Each time you use a check, your Discover card's balance will increase. You can order paper checks from Discover's website or by calling customer service.

Visit a Bank or ATM

When you obtain a cash advance using a bank or ATM, you will receive the money in the form of cash. To obtain a cash advance from a bank, present your photo ID and Discover card to the teller and request the amount you need. To obtain cash from an ATM, you must first create a personal identification number, or PIN. To create your PIN, visit Discover's website, log into your account and select "create or change your PIN." You can then use this PIN to make ATM withdrawals using your Discover card.

Deposit Cash Into Your Checking

Use Discover's Online Direct Deposit to transfer cash deposits into your checking account. This will raise your checking account balance, allowing you to make withdrawals or use your debit card to access the money. You can typically transfer money from your credit card into your banking account if you have used the account to make your Discover payments in the past. To make a cash deposit into your checking account, log into your account on Discover's website and make the transfer, or contact customer service to tell you how.

Know Your Credit Limits

In addition to your overall credit limit, Discover will impose a lower limit on the amount of money you can receive through cash advances; this is called your "cash credit line." This limit may change based on purchases or balance transfers you make. To check your current cash credit line, call customer service or visit Discover's website to view your account information online. Keep in mind that any cash advance you obtain will lower both your cash credit line and your overall credit limit. Cash advances also often come with higher interest rates and associated fees than a regular credit purchase.

References

Writer Bio

Amanda McMullen is a freelancer who has been writing professionally since 2010. She holds a bachelor's degree in mathematics and statistics and a second bachelor's degree in integrated mathematics education.

Источник: https://pocketsense.com/can-cash-advance-discover-card-8050.html

How to get a cash advance with Discover

When a financial emergency happens, and you need cash urgently, you may wonder if you can get it from your credit card. Indeed, there’s a way to receive cash from your credit line with a cash advance. It’s a costly option, but when your emergency fund is dried up, and you have no alternatives, it can be a quick solution.

If you have a Discover credit card, you’re in luck. The issuer makes it rather easy for cardholders to borrow cash against their credit line. Read on to learn how to get a cash advance with Discover and what to keep in mind before you use this option.

Getting a cash advance with Discover

What is a cash advance?

A cash advance offers a way to use your credit card to get cash, whether from an ATM or bank branch, by transferring the money to your checking account or cashing a convenience check.

With a convenience check, you can use credit card funds in situations where you can’t charge your credit card – for instance, for paying your mortgage. However, this is generally not recommended, especially if you need funds for a large transaction.

A cash advance can be extremely expensive and turn into a dangerous kind of debt. It comes with its own terms, fees and APR that aren’t at all budget-friendly discover atm deposit to say the least. For that reason, it’s best to explore all other possible options first, such as personal loans or borrowing from family or friends.

How to get a cash advance with Discover

If you’ve exhausted other options and do need to get cash from your credit card, Discover makes it a simple process.

There are three ways you can get a cash advance with Discover.

Stop by a bank branch or ATM

First, you can find a participating ATM or bank. To get cash from an ATM, make sure to create a PIN by logging into your Discover account. If you choose to go to a bank, check if the location provides over-the-counter cash access – Discover recommends you call in before making the trip. At the bank, you’ll need to show your ID and Discover credit card to receive a cash advance.

Get an online direct deposit

If you can wait for a few days, you can transfer cash straight to your checking account. Go to Discover’s website and log in to your account. There, go to “Manage” on your dashboard and click “Cash Access” and then “Deposit cash into your checking account.”  You’ll be able to transfer cash advance funds to the bank account you’ve already used to make credit card payments.

discover atm deposit alt="Screenshot of Discover's website" width="800" height="494">

Keep in mind that while this option is rather convenient, it can take between one and three days for cash to deposit into your checking account.

Request convenience checks

If you’re eligible, you can also request cash access checks. A convenience check is linked to your credit line and works similarly to a regular personal check. You can make this check in any amount up to your credit limit and pay it off on the terms your credit card issuer offers for cash advances.

To check if you’re eligible to receive convenience checks from Discover, log into your online account. Keep in mind that these checks will take a few days to be mailed to you.

What to consider before getting a cash advance

As we mentioned, cash advances can be extremely expensive. Let’s take a look at how the costs add up.

Cash advance fee

Discover credit cards charge a cash advance fee of either $10 or 5%, whichever is greater. Add it to other possible fees, such as an ATM fee, and the cost of your cash advance goes up rather quickly.

Higher interest rate

The main reason cash advances get so expensive is the higher interest rate. At the moment, Discover charges a 24.99% APR on cash advances. Unlike interest charged on purchases, cash advance interest is charged right away. If you don’t repay the balance immediately, these charges will start to add up, quickly putting you in accumulating debt.

As you can see, cash advances can become detrimental to your financial health. If you don’t have an emergency fund set up yet, it’s best to look into other options before borrowing cash against your credit line. Or, if a cash advance seems to be the only option, look into the credit cards with lower cash advance APRs.

For example, the PenFed Platinum Rewards Visa Signature® Card has a cash advance APR of 17.99%, which is still expensive, but lower than that of the majority of other cards. Additionally, the atlantic bank union charges no cash advance fee, as well as no annual fee, and earns 5 points per dollar on gas purchases at the pump and electric vehicle charging stations, 3 points per dollar on supermarket purchases, restaurants/dining, and cable, satellite and other pay television/radio/streaming services and 1 point per dollar on all other purchases.

Bottom line

A cash advance should be the last resort option, but if you do need to borrow cash against your Discover credit line, the issuer makes the process easy. Make discover atm deposit to keep in mind fees and interest to make room for them in your budget.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Ana Staples is a staff reporter and young credit expert reporter jp morgan chase bank customer service CreditCards.com and covers product news and credit advice. She loves sharing financial expertise with her reader and believes that the right financial advice at the right time can make a real difference. In her free time, Anastasiia writes romance stories and plans a trip to the French Riviera she'll take one day—when she has enough points, that is.

Источник: https://www.creditcards.com/credit-card-news/discover-card-cash-advance/

 If you want to deposit cash at a local ATM, you should look into credit unions that have a network of ATMs.


See if you can deposit money orders - you can buy them with cash, then "mobile deposit" them into the bank's app (or you can mail them to Discover).


Is Discover Bank able to accept cash deposits?

Local deposits are deposited and transferred electronically


Some 170 c to f oven banks, such as Ally, Capital One 360, and Discover, allow you to link your account electronically with another account at a traditional bank or credit union. The linked institution may have a local branch where you can make a cash deposit.


Is it possible to deposit cash at any ATM?

Is it possible to deposit cash at any ATM? You cannot deposit cash at every ATM. To deposit funds into your bank account, you must also deposit cash into an ATM from a bank that you already have an account with.


How do I make deposits to my Online Savings Account?


Deposit a check with Discover’s Mobile Check Deposit using your mobile device.

Complete an online transfer from an eligible Discover Bank Account.

Complete an online transfer from an external bank account.

Set up Direct Deposit.


Are allpoint ATMs capable of accepting cash deposits?

Deposits can be made at Allpoint ATMs with no surcharge. A deposit-enabled Allpoint ATM allows account holders whose banks or credit unions are members of the Allpoint network to deposit checks and cash without the need for an envelope or deposit slip.


How do I deposit money into Discover Bank?

This process will deposit the funds into your account. You may be asked to provide your Discover Bank routing number as proof of your identity.


Deposit a Check in Discover Bank Accounts


Sign the check you wish to deposit.

Log into the app and go to the deposits section.

Take pictures of the front and back of the check.


Are Discover credit cards accepted at ATMs?

You will not be charged an ATM surcharge fee when taking a cash advance with your Discover credit card at one of these locations, but your cash advance APR and cash advance fee will apply. Other ATMs that are not designated as "Surcharge-Free" may charge surcharge fees for cash withdrawals.


What is the maximum amount you can deposit in an ATM?

$10,000 or more in check deposits


If your bank does not allow mobile deposits on phones or ATM withdrawals, then your $10,000 check could not be deposited via mobile deposit. You can usually access your checking or savings account immediately after depositing a check at the teller window.


What ATMs accept deposits?

These banks and credit unions don’t let you deposit cash at any ATM:


Bank of America: Deposits can only be made at Bank of America-branded ATMs.

Chase: You can only deposit cash and checks at Chase ATMs.

Citibank: You can only deposit cash and checks at Citibank ATMs.


Is it safe to deposit money into an ATM?

The Safety of ATMs for Deposits


In most cases, your deposits should be successful and error-free. But consider the consequences of an error. Especially when you’re making a large, important deposit — or if you’re in danger of bouncing checks — an ATM might not be your best choice.


Discover online banking is it safe?

Keeping a minimum balance and paying a monthly fee


In spite of this, many banks have instituted a wide variety of fees: maintenance fees, fees for below-minimum balances, ATM fees, and so on. Keeping the account with Discover is a safe way to save money since you don't have to worry about the bank taking your savings.


Discover Bank: Is it a good bank?

Among these banks is Discover Bank, which offers a full range of checking, savings, the giving keys inc market, and CD accounts with competitive rates and no monthly fees. Discover Bank review will show you if Discover is right for you if that sounds good to you.


Exactly where is Discover Bank located?

There are two Discover Bank branches. The address of their corporate headquarters is 502 E. Greenwood Delaware's Market Street.


Is it possible to deposit cash at Discover ATMs?

While some online banks accept ATM cash deposits, others do not - for example, Ally Bank and Discover Bank.


Allpoint ATMs are really free?

Allpoint does not charge fees to cardholders of participating financial institutions. We have an ATM locator that can help you locate an Allpoint ATM. We provide Allpoint cardholders with a map of ATM locations that are free of charge.

Источник: https://www.yourhop.com/2021/07/can-i-use-discover-atms-to-deposit-cash.html

How Can I Get a Cash Advance on My Discover Card?

If you have an active Discover card, you can use it to pay for purchases or services from any vendor who accepts Discover credit. If a vendor doesn't process credit cards or doesn't accept credit card charges from Discover, you can still use the card to make the payment by obtaining a cash advance. Discover allows you to obtain a cash advance using four different methods: cash checks, banks, automated teller machines and cash deposits into your checking account.

Cash Your Paper Checks

Cash checks are directly connected to your credit account, and you can use them to pay any vendor who accepts personal checks. Each time you use a check, your Discover card's balance will increase. You can order paper checks from Discover's website or by calling customer service.

Visit a Bank or ATM

When you obtain a cash advance using a bank or ATM, you will receive the money in the form of cash. To obtain a cash advance from a bank, present your photo ID and Discover card to the teller and request the amount you need. To obtain cash from an ATM, you must first create a personal identification number, or PIN. To create your PIN, visit Discover's website, log into your account and select "create or change your PIN." You can then use this PIN to make ATM withdrawals using your Discover card.

Deposit Cash Into Your Checking

Use Discover's Online Direct Deposit to transfer cash deposits into your checking account. This will raise your checking account balance, allowing you to make withdrawals or use your debit card to access the money. You can typically transfer money from your credit card into your banking account if you have used the account to make your Discover payments in the past. To make a cash deposit into your checking account, log into your account on Discover's website and make the transfer, or contact customer service to tell you how.

Know Your Credit Limits

In addition to your overall credit limit, Discover will impose a lower limit on the amount of money you can receive through cash advances; this is called your "cash credit line." This limit may change based on purchases or balance transfers you make. To check your current cash credit line, call customer service or visit Discover's website to view your account information online. Keep in mind that any cash advance you obtain will lower both your cash credit line and your overall credit limit. Cash advances also often come with higher interest rates and associated fees than a regular credit purchase.

References

Writer Bio

Amanda McMullen is a freelancer who has been writing professionally since 2010. She holds a bachelor's degree in mathematics and statistics and a second bachelor's degree in integrated mathematics education.

Источник: https://pocketsense.com/can-cash-advance-discover-card-8050.html

Discover Bank Review

Who Is Discover Bank Best For?

Discover Bank offers an online-only experience, making it ideal for people who are comfortable banking online and want the advantages that come with online banking. Discover may be especially attractive to those who want:

  • No fee online checking and savings accounts with no minimums
  • A balance transfer card with no annual fee and a promotional 0% APR
  • Official bank checks at no cost (with free expedited delivery)
  • Highly-rated credit cards and a well-regarded app to track them with
  • A money market account with a decent APY that is easy to spend from
  • One-stop shopping for deposit accounts
  • Bank accounts with no fees (other than outgoing wire transfer fees)

What Does Discover Bank Offer?

Online Savings Account

The Discover Bank online savings account helps you earn more than you can typically get at brick-and-mortar banks. Plus, it’s easy to avoid paying discover atm deposit in this account.

  • 0.40% APY
  • No minimum deposit to open
  • No ongoing minimum
  • No monthly fees
  • Free official bank checks (with expedited delivery)
  • No charge for returned deposits or insufficient funds

Requesting a check payable to you (the account owner) won’t count against Discover’s monthly withdrawal limit, but other transactions might. Discover bank does not charge an excess transaction fee if you go over the six-item limit, but the bank may refuse transactions or even close your account if you make a habit of breaking this rule.

The savings account at Discover Bank is accessible to almost anybody, and it pays a competitive rate compared to other banks that don’t require a minimum deposit or balance to earn the stated APY. You may be able to earn a better APY elsewhere, but you may prefer banking with a household name that has a forgiving fee structure.

Cashback Debit

The Discover Cashback Debit account is an online checking account that rewards you for spending. As the name suggests, you earn cash back when you use your debit card, helping to replenish some of the cash you spend.

  • 1% cash back on up to $3,000 per month of debit card spending
  • No monthly maintenance charge
  • No minimum balance required to open
  • Free official bank checks (with expedited delivery)
  • No insufficient funds fees
  • Freeze your debit card to reduce fraud
  • More than 60,000 fee-free ATMs
  • Online bill pay

This is a truly no fee checking account, and it’s hard to pay fees on the account—even if you overdraw. The only fee Discover Bank charges for this account is a $30 outgoing wire transfer fee. But you can easily avoid that by ordering an official bank check or just moving money with a bank-to-bank transfer.

The cash-back reward is notable, but it might not be significant if you’re the type of person who spends over $3,000 each month with your debit card. The maximum reward you can earn is $30 per month, and Discover Bank prevents you from earning rewards on cash withdrawals and some other transactions.

Discover Bank ATMs are part of the Allpoint and MoneyPass networks. You can find them at convenience stores, pharmacies, banks, supermarkets, and more.

Money Market Account

The Money Market Account combines the interest earnings of a savings account with the liquidity of a checking account. As a result, it’s easy to spend money from an account that pays a competitive rate. You’ll earn a bit more in Discover Bank’s savings account, but the money market account could be useful for large bills and other situations.

  • Pays 0.30% APY on balances up to $100,000
  • Pays 0.35% APY when you have $100,000 or more
  • No monthly maintenance charge
  • Requires $2,500 to open
  • No ongoing balance requirement
  • Debit card for spending and cash withdrawals
  • Online bill pay
  • Check writing
  • Free official bank checks (including expedited delivery)
  • More than 60,000 fee-free ATMs
  • No insufficient funds fees

Like the savings account, this account limits certain types of withdrawals to six per month. As a result, this account could be useful for one or two large monthly bills, such as a mortgage payment. But the savings account pays even more than the money market account. If you know when your payment is due, it might be better to keep cash in a Discover savings account and transfer it to checking when you need to make a payment.

Certificates of Deposit

Discover Bank’s high-yield CDs have no fees, and they allow you to lock in a guaranteed rate for an extended period. To open a CD, you must deposit at least $2,500. Discover Bank’s CD rates are current as of September 7, 2021:

CD Accounts
3 Months0.20% APY
6 Months0.25% APY
9 Months0.30% APY
12 Months0.50% APY
18 Months0.50% APY
24 Months0.55% APY
30 Months0.60% APY
36 Months0.60% APY
48 Months0.65% APY
60 Months0.80% APY
7 Years0.80% APY
10 Years0.80% APY

All of Discover’s CDs come with an early withdrawal penalty:

  • 3- to 9-month CDs: 3 months of interest
  • 12 to 36-month CDs: 6 months of interest
  • 4-year CDs: 9 months
  • 5-year CDs: 18 months
  • 7- and 10-year CDs: 24 months

Credit Cards

Discover offers a lineup of credit cards for different needs. All of them offer rewards, and none of them charge an annual fee.

Cash-Back and Travel Cards

Credit-Building Cards

Business

Discover atm deposit Financial Products From Discover Bank

Discover Bank offers several other critical products for consumers, making it possible to handle a variety of financial needs with one institution.

  • Home equity loans
  • Personal loans
  • Student loans
  • IRAs 

Discover Bank Customer Service

Discover Bank’s customer service ratings are quite good, with Discover taking second place in the J.D. Power 2021 Direct Banking Satisfaction Study.

Credit card users also seem to like Discover. The issuer took second place in the J.D. Power 2021 Credit Card Satisfaction Study and third place in the J.D. Power 2021 U.S. Credit Card Mobile App Satisfaction Study.

Customers can contact Discover by phone 24 hours a day, seven days a week at 1-800-347-2683 (inside the U.S.) or 1-801-902-3100 (outside the U.S.). Agents are also available on the website via a chat system.

How to Bank With Discover Bank

To open an account, visit Discover.com or call 1-800-347-7000. As with any bank operating in the U.S., you’ll need to provide personal information when opening an account. Discover Bank is completely online, so you won’t be able to visit a branch to open an account.

Final Verdict

BENEFITS

Discover Bank offers competitive online banking products with decent rates. With no-fee bank accounts and a massive ATM network, Discover is worth a look. Plus, credit cards from Discover have no annual fees, and you can choose cards that provide cash back, help you build credit, or earn travel rewards. Discover Bank may be a good option for all of your deposit accounts, including checking, savings, and CDs, as long as you’re comfortable banking completely online.

DRAWBACKS

Like most online banks, one of the main challenges of working with Discover Bank might be a lack of branches. It’s super easy to bank online, but you may prefer to walk into a branch for help. Also, Discover Bank adds a hurdle that some online banks don’t: You need at least $2,500 to open a CD or money market account, which might be too much for some people.

Источник: https://www.thebalance.com/discover-bank-review-4580436

If your credit, ATM, or debit card is lost or stolen, federal law limits your liability for unauthorized charges. Your protection against unauthorized charges depends on the type of card — and when you report the loss.

Report Loss or Theft Immediately

Acting fast limits your liability for charges you didn’t authorize. Report the loss or theft of your card to the card issuer as quickly as possible. Many companies have toll-free numbers and 24-hour service for such emergencies. Once you report the discover atm deposit of your ATM or debit card, federal law says you cannot be held liable for unauthorized transfers that occur after that time.

  • Follow up with a letter or email. Include your account number, the date and time when you noticed your card was missing, and when you first reported the loss.
  • Check your card statement carefully for transactions you didn’t make. Report these transactions to the card issuer as quickly as possible. Be sure to send the letter to the address provided for billing errors.
  • Check if your homeowner's or renter’s insurance policy covers your liability for card thefts. If not, some insurance companies will allow you to change your policy to include this protection.

How to Report Fraudulent Transactions

  1. Contact your ATM or debit card issuer.
    1. Report the fraudulent transaction.
      Act as soon as you discover a withdrawal or purchase you didn’t make.
  2. Write a follow up letter to confirm that you reported the problem.
    1. Keep a copy of your letter.
    2. Send it by certified mail and ask for a return receipt.
  3. Update your files.
    1. Record the dates you made calls or sent letters.
    2. Keep copies of letters in your files.

How to Limit Your Losses

The Fair Credit Billing Act (FCBA) and the Electronic Fund Transfer Act (EFTA) offer protection if your credit, ATM, or debit cards are lost or stolen.

Credit Card Loss or Fraudulent Charges

Under the FCBA, your liability for unauthorized use of your credit card tops out at $50. However, discover atm deposit you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didn’t authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use.

ATM or Debit Card Loss or Fraudulent Transfers.

If you report an ATM or debit card missing before someone uses it, the EFTA says you are not responsible for any unauthorized transactions. If someone uses your ATM or debit card before you report it lost or stolen, your liability depends on how quickly you report it:

If you report:Your maximum loss:
Before any unauthorized charges are made.$0
Within 2 business days tennessee bank and trust franklin you learn about the loss or theft.$50
More than 2 business days after you learn about the loss or theft, but less than 60 calendar days after your statement is sent to you,$500
More than 60 calendar days after your statement is sent to you.All the money taken from
your ATM/debit card acount, and possibly more; for example, money in accounts linked to your debit account.

If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you.

How to Protect Your Cards and Account Information

For Credit and ATM or Debit Cards

  • Don’t disclose your account number over the phone unless you initiate the call.
  • Guard your account information. Never leave it out in the open or write it on an envelope.
  • Keep a record of your account numbers, expiration dates, and the telephone numbers of each card issuer so you can report a loss quickly.
  • Draw a line through blank spaces on charge or debit slips above the total so the amount can’t be changed.
  • Don't sign a blank charge or debit slip.
  • Tear up copies and save your receipts to check against your monthly statements.
  • Cut up old cards — cutting through the account number — before you throw them away.
  • Open your monthly statements promptly and compare them to your receipts. Report mistakes or discrepancies as soon as possible.
  • Carry only the cards you'll need.

For ATM or Debit Cards

  • Don't carry your PIN inyour wallet, purse, or pocket — or write it on your ATM or debit card. Commit it to memory.
  • Never write your PIN on the outside of a deposit slip, an envelope, or other papers that could be lost or looked at.
  • Carefully check your ATM or debit card transactions; the funds for this item will be quickly transferred out of your checking or other deposit account.
  • Periodically check your account activity, especially if you bank online. Compare the current balance and transactions on your statement to those you've recorded. Report any discrepancies to your card issuer immediately.
Источник: https://www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-and-debit-cards

If you need to deposit cash into your bank account, you have several options, including your local bank branch or an ATM that accepts deposits. While it isn’t possible to make deposits directly to most online banks, there are often workarounds, like using a money order or an in-network ATM.

Although many financial transactions are now cash-free and lots of people keep track of their finances digitally, cash is still important for many individuals.

When you need to deposit cash to your checking or savings account, there are a number of safe and convenient options, including local bank branches and certain ATMs. Online banks don’t usually have a straightforward way to deposit cash, but there are a few ways to get cash into your account even without a physical bank branch.

Jump ahead to learn more about how to deposit cash in your specific situation:

  • How to Deposit Cash at a Bank
  • How to Deposit Cash in an ATM
  • How to Deposit Cash With an Online Bank

How to Deposit Cash at a Bank

If you belong to a regional or national bank, you can make a deposit at any branch. If you are part of a credit union, you can make a deposit at your home credit union or another branch if your credit union is part of a larger network.

Making a cash deposit at a local bank branch or credit union takes just a few steps:

  • Fill out a deposit slip with your account number.
  • Place your cash and deposit slip in an envelope.
  • Hand your envelope to one of the tellers.

After making a cash deposit at a physical bank or credit union, the cash will discover atm deposit counted and the funds will become available in your account immediately in most cases.

how-to-make-a-cash-deposit-at-a-bank

If you aren’t able to get to your bank’s branch for any reason, you may be able to make a deposit at an ATM instead.

How to Deposit Cash in an ATM

Many banks allow customers to deposit cash directly in an ATM, but the process varies from bank to bank. Nowadays, depositing cash in an ATM is generally as simple as using your debit card at an ATM and placing the cash directly inside. That said, there are a few things to keep in mind discover atm deposit making cash deposits at an ATM.

what-to-know-about-depositing-cash-at-an-atm

Some ATMs Require Deposit Slips

Each bank has different ATMs, and some require a deposit slip or envelope for cash deposits. Make sure to read the ATM prompts carefully and use a deposit slip to note your account information and deposit amount if necessary.

Make Sure to Count Discover atm deposit Cash

If your bank allows for cash to be deposited directly into an ATM with no envelope, make sure to count your cash before placing it in the machine. While ATMs are generally accurate, they can occasionally make mistakes in counting and scanning bills. If you know the correct amount ahead of time, you can verify that the ATM has counted correctly after making your deposit.

If there are any issues, make sure to note the ATM’s location and the time that the mistake occurred to help resolve the problem.

Funds Aren’t Available Immediately

Unlike deposits made with tellers, the funds from cash deposits at ATMs are not always available immediately. Funds can take more than one business day to show up in your account, so be mindful of this if you need the money in your account right away. In general, ATMs directly outside of bank branches will process funds to your account more quickly.

Even if you have an online bank with no physical locations, there are still options for depositing cash.

How to Deposit Cash With an Online Bank

If you discover atm deposit an online bank with no physical locations, there are still options for getting cash into your account, but the process will vary based on your bank and specific circumstances.

workarounds-for-depositing-cash-with-an-online-bank

Try some of the following methods as alternative ways to get cash into your online bank account.

Transfer from Another Bank Account

If you have another bank account with physical branches, you could deposit the money in person, then make a transfer to your online bank account.

Use a Prepaid Debit Card

Some prepaid debit cards can be loaded with cash at retail stores. After loading cash, you can use the debit card’s online portal to transfer money electronically to your online bank account. That said, some prepaid debit cards involve fees, so you’ll want to be mindful if making small deposits.

Purchase a Money Order

You can purchase a money order at the post office as well as other locations, which allows you to send your cash deposit electronically to your account. Money orders may require a flat or discover atm deposit fee, so check in advance whether this is the right approach for you.

Find an In-Network ATM

Many online banks include a network of ATMs, which you can use to make a cash deposit directly to your account. Look into whether this is a possibility for your particular bank.

No matter how you deposit cash, make sure that you account for the funds when managing your budget.

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Источник: https://mint.intuit.com/blog/money-etiquette/how-to-deposit-cash/
discover atm deposit

2 Replies to “Discover atm deposit”

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