As of 2015, Discover does offer checking accounts and does not charge monthly fees for the service. Discover's checking account also includes a cash back bonus of 10 cents for up to 100 transactions done every month. These transactions include debit card purchases, cleared checks and online bill payments.
The checking cash back bonus accrued on a Discover checking account can be changed into cash and deposited into the account or credited to a Discover Credit Card Cashback Bonus account. Discover checking account customers can also access up to 60,000 ATM locations in the United States and request a replacement debit card for no additional charge.