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 or loan, 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 are 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 some 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.

Your Discover Money Market account will become a Capital One 360 Performance Savings account.

We’ll send you a change in terms notice and your new account terms with details about changes. Some of these changes include:
 

• Routing number: Accounts will have a Capital One routing number. Any checks and transfers scheduled through Discover will still work with your old routing number. However, updating your routing number when your account becomes a Capital One account can help avoid delays with transactions. You’ll need to use Capital One’s routing number for wire transfers or your wires will be returned. You’ll also need to relink third-party apps (such as PayPal, Venmo and Robinhood) so transfers you set up there go through.

• Early paycheck: You’ll still receive your direct deposits, but they won’t be eligible to arrive early.

Keep in mind that debit cards, Zelle® and Bill Pay aren’t available with savings accounts. You’ll be able to use your existing checks, but new checkbooks can’t be ordered.
 

Your checking account will become a Capital One 360 Checking account. 

We’ll send you a change in terms notice and your new account terms with details about changes. Some of these changes include:
 

• Variable interest rate: 360 Checking accounts earn a variable interest rate of 0.10% APY on balances.

• Cashback Debit rewards: Capital One 360 Checking accounts don’t offer rewards on debit card purchases.

• Routing number: Accounts will have a Capital One routing number. Any checks and transfers scheduled through Discover will still work with your old routing number. However, updating your routing number when your account becomes a Capital One account can help avoid delays with transactions. You’ll need to use Capital One’s routing number for wire transfers or your wires will be returned. You’ll also need to relink third-party apps (such as PayPal, Venmo and Robinhood) so transfers you set up there go through.

If you have a Discover Personal Checking account, your account didn’t earn Cashback Debit rewards with Discover, but the other changes are the same.

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 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 Discover Money Market account will become a Capital One 360 Performance Savings account. 

Your rate will not change as a result of your account becoming a Capital One account.
 

As is true with Discover Money Market accounts, Annual Percentage Yield (APY) and interest rates for Capital One savings accounts are variable and subject to change at any time. 
 

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

If you haven't selected a new maturity option by the time your CD account matures, your account will automatically renew at the rate being offered at the time of maturity for the same term length of your current CD—if available.

If your previous term length is no longer available, it will renew to the next closest term length (but will not be longer than your previous term). 

We'll send you a 30-day advance notice before your CD matures with your renewal options.

Your bank account won’t have any monthly fees, required balance minimums or overdraft fees.

Capital One 360 Checking accounts don’t offer Cashback Debit rewards. You can continue earning and redeeming rewards before your account becomes a Capital One account. 
 

Before your account becomes a 360 Checking account, any unredeemed rewards will be deposited into your Discover checking account as a statement credit—or into the designated savings account you set up with Auto Redemption. Look for a transaction called Debit Card Cashback Bonus One-Time Redemption.  
 

Accounts must be open and in good standing for rewards to be redeemed. 

To welcome you to your Capital One 360 Checking account, we’ll make a one-time deposit into your eligible account that’s additional to the Cashback Debit rewards you earned. This deposit will equal the total rewards you earned over the last 12 statements prior to the month that your account became a Capital One account. 

You can expect to see this additional rewards deposit within 30 days of your Discover account becoming a Capital One account. You can find it listed in your recent transactions and on that month’s statement. Look for a transaction called Miscellaneous Credit 12 Month Rewards Deposit. 

Accounts must be open and in good standing to be eligible. 

You can continue using your most recently issued Discover debit card even after your account becomes a Capital One account. 
 

You may receive a new Discover debit card while your account is still with Discover. If so, we’ll reach out with more info. Please activate it right away to help limit spending disruptions.

You may receive a new Discover debit card before your account becomes a Capital One account. We’ll reach out with more info if you’re receiving a new card. Please activate it right away to help limit spending disruptions.