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CHASE vs. Discover Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Online Banking

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Personal Loans

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Mortgages

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Online Banking

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Online Banking drop-down-btn
Good For
Features That Matter to You
Good For
No fee banking on your terms
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
  • Money Market Deposit Account (MMDA)
  • Business
  • Business Checking
Account types
  • Checking
  • Savings
  • Certificates of Deposit (CD)
  • Money Market Deposit Account (MMDA)
Pros
  • 16,000 no-fee ATMs
  • Wide range of account options
  • Option to waive maintenance fees by meeting certain requirements
Pros
  • Great selection of online bank accounts
  • Accounts are free from fees
  • High savings account and CD APY
  • Cashback on debit card purchases
Cons
  • cons Uncompetitive APY rates
  • cons High balance needed to waive fees
Cons
  • cons No physical branches
  • cons No reimbursement on out-of-network ATMs
  • cons Min deposit of $2,500 to open CD account
  • cons No specialty CDs or brokerage accounts
Min Deposit
No minimum
Min Deposit
No minimum
Min APY Savings
0.01
Min APY Savings
ATM Network
16,000+ ATMs
ATM Network
60,000+ fee-free ATMs
Overdraft fees
$34
Overdraft fees
0
Maintenance Fee
$25
Maintenance Fee
0
Personal Loans drop-down-btn
Good For
Personal loans for almost anything
Min Credit Score
660
APR

7.99-24.99%

Loan Amount

$3K-$40K

Lender Type
  • Direct
Loan Type
  • Unsecured Personal Loans
  • Fixed-Rate Personal Loans
Loan Purpose
  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical Expenses
  • Relocation
  • Vacation
  • Wedding
  • Other
Repayment terms
36-84 months
Soft Credit Pull
Yes
Pros
  • No origination fees
  • Flexible repayment terms
  • Fixed rates
Cons
  • cons No variable rate APR
  • cons Discover does not offer secured or joint loans
  • cons No autopay discount
Not provided

Service isn't provided

Mortgages drop-down-btn
Good For
Refinance with no hidden fees
Min Credit Score
680
Loan Type
  • Mortgage Refinance
  • Home Equity Loan
Prepayment Fee
None
Origination Fee
None
Not provided

Service isn't provided

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