discover bank joint savings account

Wherever you want to get to in life, Lloyds Bank has a range of bank accounts and personal banking services to suit you. Visit us today to find out more. Our online savings account FAQ is here to help with your savings account Online Banking FAQ How do I open a Discover Online Savings Account? ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ.

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Discover Bank Review: Is It Worth It In 2021?

Discover bank joint savings account -

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the ANZ Saving & Transaction Products Terms and Conditions (PDF 427kB) and the Financial Services Guide (PDF 112kB) which are available at anz.com or by calling 13 13 14 before deciding whether to acquire, or continue to hold, the product. Fees, charges and eligibility criteria apply.

The information set out above is general in nature and has been prepared without taking into account your objectives financial situation or needs.  By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations.  You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.

BPAY®  is registered to BPAY Pty Ltd ABN 69079137518.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

ANZ Online Saver is only available to customers who open or who are the account holders of, or signatories to, eligible ANZ everyday banking accounts with ANZ Internet Banking or ANZ Phone Banking access. Eligible accounts include ANZ Access Advantage, ANZ Access Select, ANZ Access Basic, ANZ Pensioner Advantage, ANZ Progress Saver, ANZ V2 PLUS and ANZ Premium Cash Management Account. Terms and conditions and fees and charges apply to the eligible account.

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Open your first ANZ Online Saver account and you'll receive an introductory fixed bonus rate of % p.a. for 3 months, on top of the ANZ Online Saver standard variable rate (currently ).  After 3 months, the ANZ Online Saver standard variable rate, applicable at that time, will apply. The introductory fixed bonus rate is only available on the first ANZ Online Saver account opened by customers who have not held an ANZ Online Saver in the last 6 months. In case of joint account holders, the introductory fixed bonus rate offer will only be received if all customers are eligible.

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Bonus interest is subject to eligibility. ANZ Progress Saver pays bonus interest (in addition to the current variable base interest) in respect of a particular month if the set minimum deposit (currently $10) and no withdrawals, fees or charges are processed to the account on or before the last business day of that calendar month, and after the last business day of the previous calendar month. Bonus and base rates are variable and subject to change.

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Customers aged under 18 need to show proof of age at an ANZ branch in order to receive their transaction fees waiver. Fees and charges apply. Please refer to ANZ Personal Banking Account Fees and Charges (PDF 544kB) for fees and charges that apply.

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The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS and here for Android and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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Источник: https://www.anz.com.au/personal/bank-accounts/savings-accounts/

Best Banks for Checking Accounts

Compare Providers

Bank or Credit UnionWhy We Picked It
Capital OneBest for Minors
Discover BankBest for Cash-Back Rewards
nbkc BankBest for Earning Interest
Wealthfront Cash AccountBest for More Than $250k
Alliant Credit UnionBest Credit Union
Chase BankBest With Branches
Schwab BankBest for Global Travel

Frequently Asked Questions

What Is a Checking Account?

A checking account is a bank account that allows for frequent transactions. You might deposit your pay (or have your employer do it automatically through direct deposit) and use the account as a holding area for funds you plan to use soon. Spending money from these accounts is easy. For example, you can:

  • Transfer money from the account to pay bills online
  • Make purchases with a debit card
  • Instruct billers to deduct funds automatically every month
  • Withdraw cash for spending at an ATM or the bank
  • Write checks
  • Link your account to payment apps like PayPal, Venmo, and more

It’s often wise to keep funds in a checking account and spend electronically instead of walking around with large sums of cash. When your bank or credit union is federally insured, your deposits are covered up to $250,000 if the bank goes under.

What Makes a Good Checking Account?

A checking account should be inexpensive and easy to use. Monthly fees are particularly problematic because they’re easy to avoid, and they slowly drain your account. Overdraft charges and other fees can also add up to hundreds of dollars per year.

Be sure to choose a checking account with the services you need. Several features you might find valuable include:

  • Online bill pay that allows you to schedule payments and make on-demand payments
  • Remote or mobile check deposit 
  • The ability to link external accounts
  • ATM fee reimbursements
  • The option to lock your debit card when you don’t plan to use it
  • Official payments like cashier’s checks and money orders
  • Customer service by chat, phone, or mobile app to help when you need a hand
  • ATMs that accept deposits

Key Checking Account Terminology

Available balance: The amount that you’re free to spend from your checking account. The available balance might be different from your account balance due to new deposits into your account or holds on funds in your account.

Debit card: A debit card is a plastic payment card linked to your account. You can use that card like a credit card for in-person purchases or with online merchants. You can also withdraw cash from an ATM with your debit card.

PIN: Your personal identification number (PIN) is a numeric code that helps to protect your account. You may need to enter your PIN when you withdraw cash at an ATM or perform other transactions. Keep that number secret because it helps prevent unauthorized users from accessing your account.

Insufficient funds: If you try to spend more than your available balance, you may have to pay an insufficient funds fee. Always check your balance and stay up-to-date on your account by balancing the account monthly and setting up alerts.

Overdraft: When your bank allows you to spend more money than you have in your account, you become overdrawn. Banks often allow you to opt in to a feature known as “overdraft protection,” which allows you to cover the difference between the amount you want to spend and the amount you have in your account. Overdraft protection often has a maximum limit and may come with a fee. It may be smart to pass on this feature and only spend what you can afford.

Remote or mobile deposit: When you receive a check, you can deposit the funds by taking a picture of the check with your bank’s mobile app.

Endorsement: To deposit funds, you may need to sign the back of checks and other payments you receive. This is known as endorsingthe item, and you can add restrictions, such as endorsing a check “for deposit only.”

Источник: https://www.thebalance.com/best-banks-for-checking-accounts-4163073
Fifth Third Bank LogoFifth Third Bank Logo
Источник: https://www.53.com/content/fifth-third/en/personal-banking/bank/checking-accounts.html

TD Simple Savings

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Great for building your savings or if you have a young saver in the family

  • $300 minimumDaily balance to waive $5 monthly maintenance fee
  • No fee for first yearWith recurring transfer of $251
  • Young adult or student?Enjoy a waived monthly maintenance fee

An everyday savings account with a low monthly fee that can be waived1 plus lots of other perks to help you reach your savings goals.

  • Drop the monthly maintenance fee
    All it takes is a $25 recurring transfer from your linked TD Bank checking account1 to waive the fee for the first year. Then, just keep a $300 minimum balance to waive the $5 monthly fee.
  • Free for young and senior savers
    Enjoy no monthly maintenance fee and no minimum daily balance requirements ever if you're 18 or under/62 or older.
  • Free automatic transfers
    Kick-start your savings with transfers from other accounts
  • Earn interest
    Your savings earn interest to help you toward your goals

Standard Rate

Build your savings with interest.

Current APY*

{rate_currentapy_productpage_standard}

What you pay

Monthly Maintenance Fee

$5

Daily Balance to Waive Fee

$300 or $0 if you are under 18 or over 62

Earns Interest

Yes

ATM Fees

None at TD ATMs

Checks

N/A

Online Statements

Free

Paper Statements

Free

Minimum Opening Deposit

$0

Overdraft Protection

This account can be set up to protect a TD Checking account2

Free with this Account

TD Bank Mobile Deposit3

Additional Benefits

Fee waived for first 12 months with recurring $25 transfers1

You're never too young to save – see how to start

Watch a video about how to start saving.

TD Simple Savings can help get you started:

  • If you're under 18
    The monthly maintenance fee is always waived
  • If you’re a full-time student ages 17 through 23
    Link a TD Simple Savings account to your TD Convenience CheckingSM account and we'll waive the monthly maintenance fee for TD Simple Savings4

Get the most from your new account

TD Convenience CheckingSM

Get great features with a low minimum daily balance requirement

TD Connect Card

Decide where, when and how much you want to spend, load the card and go

It pays to save

Learn how small changes can add up to big savings

Open account

Online

The fastest way to open an account

In person

Visit a TD Bank near you to set up your account

By phone

Talk to a Banking Specialist 24/7

1-888-751-90001-888-751-9000

View the TD Simple Savings Account Guide.

*Annual Percentage Yield (APY) is accurate as of Jun 7, 2019 and subject to change after the account is opened. Fees may reduce earnings on the account. Aggregate balances over $25 million are subject to negotiated interest rates.

1For the first 12 months, waived each month you have a linked eligible TD Bank checking account and a recurring transfer of $25 or more from a TD Bank checking account. See the Personal Deposit Account Agreement for more details.

2Please refer to TD Bank Overdraft Protection and Services for information on Savings Overdraft Protection.

3TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

4Monthly Maintenance Fee is waived for primary account holders ages 17 through 23. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless the $100 minimum daily balance is maintained.

TD Bank received the highest score in the Southeast region of the J.D. Power 2019 U.S. Retail Banking Satisfaction Study of customers’ satisfaction with their own retail bank. Visit jdpower.com

View the TD Simple Savings Account Guide.

*Annual Percentage Yield (APY) is accurate as of Jun 7, 2019 and subject to change after the account is opened. Fees may reduce earnings on the account. Aggregate balances over $25 million are subject to negotiated interest rates.

1For the first 12 months, waived each month you have a linked eligible TD Bank checking account and a recurring transfer of $25 or more from a TD Bank checking account. See the Personal Deposit Account Agreement for more details.

2Please refer to TD Bank Overdraft Protection and Services for information on Savings Overdraft Protection.

3TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

4Monthly Maintenance Fee is waived for primary account holders ages 17 through 23. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless the $100 minimum daily balance is maintained.

TD Bank received the highest score in the Southeast region of the J.D. Power 2019 U.S. Retail Banking Satisfaction Study of customers’ satisfaction with their own retail bank. Visit jdpower.com

Minimum daily balance to waive monthly maintenance fee

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Источник: https://www.td.com/us/en/personal-banking/savings-accounts/simple/

hi credit addict!! im a new user here... just a question, i am about to do this same thing.. my mother has called and asked for the joint form to be sent out from discover. she is going to add me to her discover it card with a 5500 dollar limit. we are both on track with very low util.. and keeping the card in the best condition. my mother has a 790 fico score and multiple open positive tradelines. we want me added as joint as opposed to AU because a joint account should hold more weight in determining a credit score and "worthiness" lol.. but a 1 rep from discover actually put me on hold and came back and said " wow, i never knew this, i just checked with underwriting and they said a hard pull would not be performed. thats news to me" so, to try to re confirm i called back later that night, that rep didnt put me on hold to check, he just said when adding a joint to the account a credit report would be pulled to make sure the joint has the credit worthiness to be on the account. however, i dont think he knew what he was talking about based on your experience, and what the other rep told me. i think its just a matter or identity verification, and im already an AU on her discover account and it IS on all 3 bureaus actively reporting. so, based on all of this and your experience, do you think ill be added easily without hard pulls? i really need this joint account to help my credit out.. i am currently in the 520 fico range.. ouch, i know.. i have some CO's and a 5 year old bankruptcy, but, i have had a secured card for 24 months now always paid as agreed but sometimes a high util ratio... the secured card is through elan financial services through my bank, elan told me we have a strict policy of not converting a sucured visa to unsecured until the bankruptcy is 5.5 years past.. but anyways as far as the discover being added as joint, do you think it will likely be a seamless easy process, especially since im already an AU on the account? please let me know, Thak you

Источник: https://ficoforums.myfico.com/t5/Credit-Cards/Discover-Joint-Account-How-it-works/td-p/2480151/page/2

Discover Premier Banking

Premier Banking at a glance

Premier Banking is a free service. You'll enjoy a whole host of benefits:

Premier bank accounts - fee-free or get extra benefits with one of our Reward accounts for a monthly fee.

A Premier Banking Manager to help with your financial plans or guide you through more complex financial decisions.

Access to products and specialist services designed to help meet your needs.

Round the clock help, online or over the phone.

How do you qualify for Premier Banking?

You'll need to be a permanent UK resident and meet one of the following:

1. Your income

Do you pay £100k sole or £120k joint income into your Royal Bank account?

2. Your mortgage borrowings

Do you have a mortgage of at least £500k with us?

3. Your savings or Investments

Do you have £100k savings or investments held with us?

Join Premier by opening a Premier account. With a Premier Reward you could also earn up to £9 a month for 2 Direct Debits - they need to be at least £4.50 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app login.

To apply for any of our Premier accounts, you must be aged 18 or over and a UK resident.

Premier Select

Get all the benefits of our Premier Banking service, plus:

Mobile Banking app that's simple to use. Criteria applies.

Pay your way; Apple Pay, Google Pay and Contactless Visa Debit Card. Limits apply.

No monthly fee.

View this account

Premier Reward

For £2 monthly fee, you'll get:

£9 a month back in Rewards for 2 Direct Debits - they need to be at least £4.50 each

£1 a month back in Rewards when you log in to our mobile banking app

Earn at least 1% at partner retailers when you use your Royal Bank debit card

You'll need to pay at least £1250 into your Royal Bank account every month.

View this account

Premier Reward Black

For a £31 monthly fee, you'll get:

All the benefits of our Reward account

Worldwide travel insurance and airport lounge access

Cinema discount valid at over 250 UK cinemas

24/7 Black Concierge Service

UK & European car breakdown cover

Home Emergency Service

Plus much more.

View this account

Change my existing account

In need of a change? Compare our range of bank accounts and find the one that suits you. Follow the steps to 'change your account' from your preferred account page.

View our Premier accounts

Talk to us about Premier

You don't have to open a new account to join Premier. Simply speak to one of our team who will confirm a few details with you and set you up with one of our Premier Banking Managers who will welcome you to Premier.

Let's talk

Premier products and services

One-to-one support

Whether you're reviewing your borrowing needs, planning that dream holiday or getting ready for retirement. Your Premier Banking Manager is equipped to help you achieve your financial goals.

See how we can help

Insurance cover

One easy to manage portfolio. If you need help, you'll have specialists to help you get the cover you need and claims support, day or night. Cover underwritten by U K Insurance Limited.

View our range of cover

Protect your wealth

Help ensure your money and assets are shared according to your wishes. Our Will-writing & Executor Service will help you to do so in the most efficient way, giving you peace of mind. A fee will apply. 

More about this service

Common questions about joining Premier banking

A permanent UK resident; and one of the following:

  • Income – Minimum £100k sole income or £120k joint income paid into your Royal Bank account
  • Mortgage borrowings – £500k minimum mortgage borrowing with us
  • Savings or Investments – Minimum £100k savings or investments held with us

If you decide to call us about joining Premier Banking. We will confirm a few details about you and your circumstances and agree a time that suits you to speak with one of our team. They'll discuss your financial goals and objectives to see if Premier is right for you, but there is no obligation to take any of our services.

  • Financial documents - to help us understand your needs and evidence the criteria you meet, please have the relevant financial documentation to hand (for example: statements, tax returns, bank statements).
  • New customers will need to bring either your driving licence or passport too.

If you are moving to the UK within the next 3 months, we would be able to welcome you to Premier Banking once you have arrived in the country. Please contact our Premier Banking team who will be happy to help.

If you are not moving to the UK, we would not be able to offer you the Premier service. 

If you are living outside the UK but still within the EU. You could still open an account with Royal Bank of Scotland.

See our range of accounts

Find an answer in our FAQs

Источник: https://www.rbs.co.uk/premier-banking/discover.html

We’re here for you. And yours.

Wherever you are in life,
we’ve got an online bank account designed to make it more rewarding.

All the stuff you want.

Whichever online bank account you choose, we keep the terms simple, the rewards high and the service stellar.

1%cash back on up to $3,000 in debit card purchases each month

ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards.  In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards.  Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.

Checking Account
% APY

Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.

watch your money grow Online Savings Account
X.XX% APY

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

12 mo lock in long-term earnings Certificate of Deposit

None of the sneaky stuff.

We're an online bank that says goodbye to gimmicks, gotchas and fees.

No. Fees. Period. 

Outgoing wire transfers are subject to a service charge. You may be charged a fee by a non-Discover ATM if it is not part of the 60,000+ ATMs in our no-fee network.

  • No monthly fees on any account.
  • No insufficient funds or overdraft fees.

    For Discover Bank Cashback Debit, Online Savings and Money Market Accounts.

  • No minimum balance.

    For Discover Bank Cashback Debit and Online Savings Accounts.

Get help choosing an account

Discover® Cashback Debit, NerdWallet’s 2021 winner for Best Checking Account with No Monthly Fee

NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.

“Discover’s high-yield savings account is among the best in its online class.” 

“Discover Bank is an online bank providing one of the most attractive checking account offers in the industry. With it you can earn cash back on debit card purchases, while paying no monthly fees.”

“Most of the time, Discover Bank is on our list of the best high yield savings accounts and our list of the best money market accounts.”

"Discover Bank offers a broad range of products, including checking and savings accounts, money market accounts, and CDs with maturity dates between three months and 10 years."

Easy to find.

See which of our over 60,000 no-fee ATMs are at the stores you already frequent.

Some ATMs have limited hours and/or restricted access. You may be charged a fee by the ATM owner if you use an ATM that is not part of our no-fee network. If you encounter any issues using the ATMs displayed on this site, please contact us at 1-800-347-7000.

Make sure your search is spelled correctly. Try adding a city, state, or zip code.

ATM Finder Close

ATM FinderClose
Zelle Logo
With Zelle® your money’s making moves.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Online and from the mobile app, it’s easy to send and receive money between almost any U.S.-based bank accounts. Just enroll with your email or U.S. mobile number and you’re ready to go.

  • It’s easy to use. Send to friends, family and people you trust with a bank account in the U.S.

    Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address.

  • Money moves fast. Just tell us who to pay and how much – the money’s on its way in minutes.

    Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle

    Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle enrollment.  Message and data charges from your carrier may apply. Transaction limitations may apply. ​

    To use Zelle with Discover, an account center registered Discover checking, savings, or money market account is required. Discover and Zelle do not offer a protection program for any authorized payments made with Zelle.​

  • You’re protected. We won’t share any of your bank account information with your recipient.
  • No fees. Whether you’re sending or receiving, Discover doesn’t charge any fees to use Zelle.

See Zelle FAQs

Easy to love.

Online banking, now as simple as everything else you do on your phone.

EASY ACCESSMOBILE CHECK DEPOSITSIMPLE TO USEQUICK VIEW

Get access to cash on the go. Just tap to find one of our no-fee ATMs near you.

Easily deposit a check into your account by snapping a photo of it with your smartphone or tablet.

For more information regarding the Discover Bank Mobile Check Deposit Service, click here.

Check on your account easily anytime. You can even skip the passcode and log in with touch or face ID.

Face ID is currently available to iOS users.

Enable Quick View to check your account balances without logging in each time.

★★★★★

★★★★★

We score out of 5 stars!

Star rating is representative of the Apple® App Store rating for the Discover mobile app and is updated daily.

App Store Google Play

Opening an online bank account couldn’t be simpler.

  1. Just give us a few basics (like address and Social Security number), and we’ll get the ball rolling for you.
  2. Make a deposit now or come back and do it later. Whatever makes it easier for you to get going on your goals.
  3. Check your email for a confirmation, and you’re on your way to the future you’ve been dreaming of.

Need help?
We've got your back.

Our friendly customer service is available 24/7.

1 (800) 347-7000 Click here to Call us at

  • 5 Online Banking Myths Debunked

    Put your online banking knowledge to the test and see if you've fallen for one of these common myths.

    “If you can manage your traditional bank’s account online via its website or app, you can manage an online-only account. It’s the same basic experience.”

    – Miguel A. Suro, founder of financial blog The Rich Miser

    Read full article

  • What is Zero-Sum Budgeting and Can It Work for You?

    If you want a thorough budget that will put every dollar to work for you, zero-sum budgeting might be the answer.

    Choosing a budgeting system is a lot like choosing the right approach to rehabbing or remodeling your home. You might spend months looking for the right contractor or figuring out how to do it yourself. The zero-sum budget, also known as the zero-based budget, can provide a holistic solution to revamping your finances.

    Read full article

  • What Happens to Mortgage Rates When the Fed Cuts Rates?

    Your guide to understanding how a Fed rate cut could impact your mortgage as a homeowner or prospective buyer.*


    *This should not be considered tax or investment advice. Please consult a financial planner or tax advisor if you have questions.

    “If the Fed drops its rate during the adjustment period, you could see your interest rate go down and, in turn, see lower monthly payments.”  

    – Emily Stroud, financial advisor and founder of Stroud Financial Management

    Read full article

Источник: https://www.discover.com/online-banking/
discover bank joint savings account

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