Access your Discover savings account through the website or mobile app
You can reach your Discover savings account in two ways: through the Discover website at discover.com or through the Discover mobile app on your phone. Both routes take you to the same account and show the same balance and transaction history. The website works on any computer or tablet with a web browser. The app is faster if you check your account often and works offline for viewing recent transactions.
To log in on the website, go to discover.com and look for the "Log In" button in the top right corner. Enter your username and password, then complete the security step Discover asks for—usually a code sent to your phone or email. On the mobile app, download it from the Apple App Store or Google Play, open it, and tap "Log In" at the bottom of the screen. Enter the same username and password you use on the website.
If you do not yet have a username and password, you will need to set one up first. Discover sends you login credentials when you open the account, or you can create new ones by selecting "Enroll Now" on the login page and following the prompts with your account number and Social Security number.
Key Takeaways
- Log in at discover.com on a computer or use the Discover mobile app on your phone—both show the same account information.
- You will need a username and password; Discover provides these when you open the account, or you can create them during enrollment.
- Discover requires a second security step after you enter your password, usually a code sent to your phone or email.
- If you forget your password, use the "Forgot Password" link on the login page to reset it with your email address or phone number.
- The mobile app lets you check your balance and recent transactions without an internet connection after you log in once.
What to do if you forget your password
Click "Forgot Password" on the Discover login page. Discover will ask you to enter your username or the email address tied to your account. You will then receive a password reset link by email or a temporary code by text message, depending on which option you choose. Click the link or enter the code, then create a new password.
Your new password must be at least eight characters long and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Discover will not accept a password you have used before. After you set the new password, log in with it on the website or app.
Understanding two-factor authentication on Discover
After you enter your username and password, Discover sends a security code to your phone or email. This second step, called two-factor authentication, protects your account if someone learns your password. You must enter the code before you can see your account. The code expires after a few minutes, so enter it right away.
You can choose how Discover sends the code when you first log in: by text message to your phone number or by email to your email address. If you do not receive the code, check your spam folder or request a new one. If you change your phone number or email address, update it in your account settings so Discover can reach you with future codes.
Accessing your account on a new device
The first time you log in on a new computer or phone, Discover treats it as a new device and may ask extra security questions or send a verification code to confirm it is really you. This is normal and protects your account. Answer the questions or enter the code, then you can proceed to log in.
After you verify the device once, Discover will remember it. The next time you log in on that same device, you will only need your username, password, and the regular two-factor code. If you use a shared computer, do not check the "Remember this device" option, because it will let anyone at that computer access your account without the security code.
What you can do once you are logged in
Once you log in, you can view your current balance, see all deposits and withdrawals, download statements as PDF files, and set up transfers to other bank accounts. You can also change your password, update your phone number or email address, and turn on alerts that notify you when your balance drops below a certain amount or when a large withdrawal happens.
If you need to move money out of your savings account, you can transfer it to another account you own at Discover or to an external bank account you have set up. External transfers usually take one to two business days. You can also deposit checks by taking a photo of the front and back with the mobile app, a feature called mobile check deposit.
Troubleshooting login problems
If you see an error message when you try to log in, the most common causes are a typo in your username or password, or your browser blocking cookies. Clear your browser's cache and cookies, then try again. If you are still stuck, try a different browser or the mobile app instead.
If Discover locks your account after too many failed login attempts, you will see a message telling you to try again later. This lock usually lasts 24 hours and protects your account from someone trying to guess your password. If you are locked out and need to access your account urgently, call Discover customer service at the number on the back of your debit card or on your account statements.
Frequently Asked Questions
Can I log in on someone else's computer?
Yes, but do not check "Remember this device" when you log in. After you log out, clear your browser history and cookies so your login information is not saved. On a shared computer, always log out when you finish, even if you are in a hurry.
What if I do not have a phone number to receive the security code?
You can choose to receive the security code by email instead of text message. During login, select the email option when Discover asks how you want to receive the code. Update your email address in your account settings if the one on file is no longer active.
Does Discover charge a fee to log in online?
No. Logging in to your account and viewing your balance, transactions, and statements is free. Discover does not charge for online access or for using the mobile app.
Can I set up a PIN instead of a password?
Discover requires a password for online and app login. You cannot use a PIN alone. However, you can set up a PIN for the mobile app after you log in with your password, which speeds up future logins on that phone.
What should I do if I think someone else logged into my account?
Change your password immediately using the "Forgot Password" link, then call Discover customer service to report the suspicious activity. Review your recent transactions for any withdrawals you did not make. Discover can help you dispute unauthorized transfers and may refund the money.