We'll reach out by email or letter with advance notice when there are updates to your Discover account and when you need to take action. Until then, you can keep managing your account using the Discover website and app.

Your Discover bank accounts will soon become Capital One accounts.

If you have both Discover and Capital One accounts, you’ll manage all of them using the Capital One website and app.

Your accounts will continue to be distinct from each other, and you’ll be able to tell which ones were previously with Discover.

Keep using your Discover accounts as usual until we let you know each one is ready to manage with Capital One. If you have multiple Discover accounts, they may be ready at different times.

Not all Discover accounts will be ready to manage with Capital One at the same time. If you have other Discover accounts, like a card, loan or IRA, you'll receive communications about those accounts separately.

We’ll send you emails or letters when there are updates about each account.

On May 18, 2025, Discover merged into Capital One. We’re one company under Capital One, N.A.

Not all Discover accounts will be ready to manage with Capital One at the same time. 

You can continue using Discover.com or the Discover app for any accounts that are still with Discover.

After an account is set up with Capital One, you’ll use the Capital One website and app to manage that account. You’ll no longer be able to view or manage that account on Discover.com or in the Discover app.

We’ll continue to monitor your account for fraudulent activity and notify you if any suspicious activity is detected.

Remember, we'll never reach out and ask you for sensitive info like your card number, password or a one-time code.

Be wary of scammers who claim to be Discover or Capital One phishing for your sensitive info. If in doubt, call us directly at 800-655-BANK (800-655-2265). Your safety and security is important to us.

You may be able to use your existing username and password depending on where you manage your accounts:

- If you’re an existing Capital One customer, you’ll keep using your Capital One username and password.
- If you’re not an existing Capital One customer, you’ll be able to use your Discover username and password—unless that username already exists with Capital One. You can also reset your password if you'd like to.
- If you have multiple Discover accounts, they may be ready to manage with Capital One at different times. In that case, you’ll need to create a separate username and password for Capital One.

When it’s time for you to set up online access, we'll reach out with info on how to get started.

Your existing joint account holders will still be able to access and manage your shared account with Capital One. 

As with Discover, tax forms will only be available for the primary account holder.

There are three primary changes to savings account features.

1. Cashier’s checks are only available at Capital One locations and now cost $10.

2. Early Pay will no longer be available for savings accounts. You’ll still receive your direct deposits, but they won’t deposit up to 2 days early.

3. Your account number will be the same, but your routing number will be different. Existing scheduled transfers and direct deposits will continue to work with your Discover routing number. You’ll need to use your new Capital One routing number for wire transfers or your wires will be returned.

These details and additional changes will be available in the email or letter we’ll send you, which will include a change in terms notice and your new account terms.

There aren’t any substantial changes to CD features. However, there are a few changes to CD settings—for example, your grace period will be extended to 10 days and your early withdrawal penalty will change.

Your rate remains fixed and will stay the same through your current CD term, and the length of your term won’t change when your Discover account becomes a Capital One account.

These details will be available in the email or letter we’ll send you, which will include a change in terms notice and your new account terms.

Your savings account won’t have any monthly fees or required balance minimums.

Your rate will not change as a result of your account becoming a Capital One account. Keep in mind, Annual Percentage Yield (APY) and interest rates for savings accounts are variable and subject to change at any time. This is true for savings accounts with Discover and Capital One.

To find current rate information for Discover Online Savings accounts, log in to your Discover account or call Discover at 1-800-347-7000. For information on current rates for Capital One 360 Performance Savings accounts, visit capitalone.com.

Your account number will stay the same, but your routing number will change after your account is set up with Capital One.

Existing scheduled transfers and direct deposits will continue to work with your Discover routing number. You’ll need to use your new Capital One routing number for wire transfers or your wires will be returned.

You may need to set up paperless settings for your bank accounts.

You’ll be able to do this at any time after you’ve set up your online account access with Capital One.

With Capital One, your paperless settings will apply to all your bank accounts—whereas with Discover, your paperless settings apply to each individual bank account.

When your Discover bank account becomes a Capital One account, your terms will change. We'll send you an email or letter in advance with a change in terms notice and your new account terms.

In the first month your accounts are with Capital One, you’ll receive statements from both Capital One and Discover.

If you have more than one bank account, your accounts will be combined into a consolidated statement—whereas with Discover, you receive a statement for each individual account.

Your monthly statement will include accounts you’re both a primary and joint account holder on.