
You can use your Discover Card at over 60,000 ATMs worldwide, including those at Allpoint, MoneyPass, and PNC Bank.
To find an in-network ATM, you can use the Discover ATM locator tool on their website or mobile app. This tool helps you locate nearby ATMs and provides their addresses, phone numbers, and hours of operation.
With your Discover Card, you can withdraw cash from an ATM without incurring a foreign transaction fee when traveling abroad.
Discover Card ATM
You can get cash with your Discover card at an ATM, which is a convenient option when you need cash quickly. Discover card allows you to withdraw cash from an ATM.
Withdrawal limits apply, so be aware of the maximum amount you can withdraw from an ATM. You can check your account online or on the Discover app to see your available cash.
Discover card doesn't charge foreign transaction fees, so you can use your card to get cash from an ATM while traveling abroad.
Using Your Card
You can get cash with your Discover Card in three easy ways: cash advance into checking, ATMs, and banks and credit unions.
To get a Discover card cash advance, you'll need a Discover credit card. Then you have four cash advance options: cash withdrawal from an ATM, cash withdrawal from a bank teller, cash deposit to your checking account, and cash access checks.
To access cash, you'll need a photo ID, and it's a good idea to check if your financial institution honors cash access with Discover.
Requirements
To use your card safely and efficiently, you'll need to meet some basic requirements. Banks and credit unions require a photo ID to access cash.
It's also a good idea to check with your financial institution to see if they honor cash access with Discover. This will ensure you can get the cash you need when you need it.
Payment with Card
You can pay with your card in various ways. Discover Card allows you to get cash with your card in three easy ways: cash advance into checking, ATMs, and banks and credit unions.
If you need to make a purchase, you can use your card at millions of merchants worldwide. This includes online stores, restaurants, and retail shops.
To use your card for online transactions, simply enter your card details on the merchant's website or mobile app. Make sure to check the website's security features to ensure a safe transaction.
You can also use your card for recurring payments, such as subscription services or utility bills. Many merchants offer auto-renewal options that will charge your card automatically.
Access with Card
You can access cash with your Discover Card in various ways. You can get cash with your Discover card in three easy ways: cash advance into checking, ATMs, and banks and credit unions.
To get a Discover card cash advance, you have four cash advance options. You can withdraw cash from an ATM, a bank teller, deposit cash to your checking account, or request a cash access check if you're eligible.
If you want to use a cash access check, you'll need to log in to your online account and check if you're eligible. If you are, you can call 800-DISCOVER (800-347-2683) or visit Discover.com/checks to request a check.
You'll need a photo ID to access cash at a bank or credit union. It's also a good idea to check that your financial institution honors cash access with Discover.
Advance Details
Your Discover Card ATM offers a cash advance feature, which allows you to withdraw cash from your available credit line. This feature is not the same as a regular credit card purchase, and it comes with distinct terms and conditions.
The cash advance credit line is part of your total credit line, and other balances may limit how much of your cash advance credit line is available. To be sure you can get the cash you want, check your cash advance credit line before taking a cash advance.
There is a cash advance transaction fee, which is typically a percentage of the amount you withdraw, and may vary depending on your specific card terms. This fee is usually a 5% fee of the amount with a $10 minimum.
Cash advances do not earn rewards, and they can be expensive due to fees and interest accruing immediately. The average cash advance APR is 26.99%, but it could vary between cards.
Here's a breakdown of the costs associated with a cash advance:
Before taking a cash advance, consider your financial situation, needs, and available alternatives. Cash advances can get you cash quickly, but they can be costly, and their associated fees and interest rates can add up quickly.
APRs & Fees
Discover Card has a cash advance fee that's one of the highest in the industry, making it a last resort. The fee is 5% of the amount withdrawn, with a $10 minimum.
The average cash advance APR is 26.99%, but it can vary depending on your creditworthiness and credit card terms. This means that if you withdraw $500 and pay it off after 30 days, you'll be charged around $11 in interest.
If you need to withdraw cash from an ATM, be aware that you'll likely face two separate fees: a non-bank ATM fee and an ATM surcharge. The average combined cost to use an out-of-network ATM was $4.73 in 2023, according to Bankrate.
Here's a breakdown of the costs associated with a $500 cash advance from a Discover Card:
Frequently Asked Questions
What ATMs do not charge a fee?
ATMs from CO-OP and PULSE networks typically do not charge a fee, with over 30,000 and 380,000 locations respectively, but STAR Network has over 2 million locations with varying fees
Does Discover checking have ATM fees?
No, Discover checking accounts do not have ATM fees, with over 60,000 fee-free locations available. Find a Discover ATM near you and enjoy convenient access to your cash.
Which ATMs are free for Discover?
Discover cardholders can access over 60,000 free ATMs through the Allpoint and MoneyPass networks at locations like Target, CVS, and Wal-Mart. Use our online or mobile ATM Locator to find a free location near you.
What ATM network does Discover use?
Discover uses the Allpoint and MoneyPass networks, providing access to over 60,000 fee-free ATMs nationwide. Find a convenient location near you using our online or mobile ATM Locator.
What bank is affiliated with Discover card?
Discover cards are issued by Discover Bank, formerly known as the Greenwood Trust Company. Discover Bank is the primary bank affiliated with the Discover card brand.
Sources
- https://www.discover.com/credit-cards/member-benefits/cash-advance.html
- https://www.finder.com/credit-cards/compare-discover-credit-cards/discover-card-cash-advance
- https://www.credello.com/credit-cards/discover-cash-advance/
- https://www.discover.com/online-banking/banking-topics/get-cash-without-paying-an-atm-fee-with-these-4-tips/
- https://www.discover.com/online-banking/
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