So you’ve made the switch to Discover. You’ve made a great choice as your money and information are secure with Discover Bank. In this segment, you’ll retain that peace of mind, receive tips to prevent potential fraud, how Discover takes your identity seriously with the identity verification process, and in the case that fraud does occur, how to report it. See below on more info in this compiled segment via Discover Bank Online Security Center. Discover Bank is available nationwide.

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• Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.75% APY balances $100,000 and over • Earn 3.70% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs • Get started and open a Discover Money Market Account in 3 easy steps. Apply Now at Discover

Discover Bank Online Security Center

• Peace of Mind – Discover Bank Online Security Center
  • $0 Liability Protection
    • You’re not responsible for unauthorized debit card, online, or mobile banking transactions. If you have suspicious activity on your account, notify us immediately and we will take it from there.
  • Bill Pay Protection
    • Your Discover Bank Account includes Bill Pay Protection. Pay bills using our Online or Mobile Bill Pay and if, due to our error, your payment is late, we will cover the late fees.
  • Secure Online and Mobile Banking
    • Your information is encrypted for your security. We utilize Secure Socket Layer (SSL) technology to encrypt all of your personal and account information. Additionally, your account information, including your statements, is password-protected online in the Account Center.
  • Information Privacy
    • We value your trust and your privacy. That’s why protecting your personal and financial information is a priority. We limit the sharing of information with others and maintain physical, electronic and procedural safeguards to protect the information we have about you.
  • Proactive Fraud Monitoring
    • Your account is monitored for potential fraud and we will alert you if we see anything suspicious. If you do have fraud on your account, a fraud specialist will work with you until your issue is resolved.
  • Dedicated Fraud Specialists
    • Our Fraud Unit proactively monitors your account for any unusual activity. If we see anything suspicious we’ll place a hold on those transactions and alert you right away.
  • Secure Socket Layer Certification (SSL)
    • We use Secure Socket Layer (SSL) to make it virtually impossible for someone else to access your information.
  • FDIC Insured
    • All Discover accounts are FDIC-insured up to the maximum amount allowed by law.
• Preventing Fraud – Discover Bank Online Security Center
  • Monitor your account activity regularly
    • Review your account activity online or via our mobile app. If you see anything suspicious, contact Discover Bank Online at 1-877-737-1931 ASAP.
  • Watch out for requests to disclose personal information
    • Discover will never request that you send sensitive information via email. Never disclose personal information, like your user ID, password or other confidential information. If you are unsure about an email you receive from us, please call us at 1-877-737-1931
  • Shred confidential documents
    • Shredding sensitive documents prevents thieves from taking personal information from the trash.
  • Watch out for phishing emails
    • “Phishing emails” are sent with the purpose of fraudulently obtaining your personal identification and account information or luring you into downloading malicious software.
    • The sophistication of these scams increases all the time. Here are some common themes to phishing emails so that you can better identify them and protect yourself:
      • Any email with an urgent request for personal or financial information.
      • Any email with scary, false statements designed to get you to provide information immediately. They typically request usernames, passwords, date of birth, social security number, credit card numbers or other personal information.
      • Identify masking links within a communication by holding your mouse over a link to reveal the actual URL you’ll be directed to. If that URL does not appear to match the link representing it, never click on it, as this could initiate virus installations.
      • Stay informed about the latest scams. For the latest list of scams, visit the government’s On Guard Online site.
      • If you believe that you have received a phishing or fraudulent email or have interacted with the email and believe your account security has been compromised, please call 1-800-347-7000 immediately.
• Identity Verification Upload – Discover Bank Online Security Center
  • Submit Identity Verification Documents
    • Once you apply for a Discover Bank Account, the Patriot Act requires that we validate additional information from you to verify your identity before we can finish opening your account. Please click here for more information about this verification process and what type of additional information Discover Bank will need.
• Reporting Fraud – Discover Bank Online Security Center
  • If You Suspect You’ve Received a Fraudulent Email
    • If you believe that you have received a fraudulent email or are worried about your account security, please call 1-800-347-7000 immediately.
  • Act Quickly
    • If you believe your identity or financial information is being used fraudulently, call us immediately at 1-877-737-1931. The sooner you act, the better the chances of catching the culprit and of limiting the damage.
  • Close Fraudulent Accounts
    • If you find accounts have been opened in your name without your knowledge, contact the company directly and ask to have them closed. Inform the company that the account was opened fraudulently. Keep detailed notes of your conversation and ask for documentation showing the account has been closed.
  • Contact the Social Security Administration
    • If you think your identity or Social Security Number has been used without your consent, call the Social Security Administration Fraud hotline at 1-800-269-0271.
  • File A Police Report
    • The best way for the authorities to bring criminals to justice and prevent future fraud is through sharing information. Your police report helps authorities gain insight on how the crime was committed.
  • Report the Theft to the Federal Trade Commission
    • Call 1-877-IDTHEFT (877-438-4338) or TTY 1-866-653-4261 to report ID theft so that law enforcement across the country can use the information to help with its investigations. You can also report ID theft to the FTC online and download their comprehensive identity theft recovery guide: “Take Charge: Fighting Back Against Identity Theft.”
  • Prevent Future Fraud
    • The minute you learn your identity is being used fraudulently, place a fraud alert on your name and identity. This helps prevent future fraud and further tarnishing of your personal and financial records. Call the three national credit-reporting organizations and the Federal Trade Commission immediately to place a fraud alert on your name and identity. The numbers are: 
      • Equifax: 1-800-525-6285
      • Experian: 1-888-397-3742
      • TransUnion: 1-800-680-7289
      • Federal Trade Commission: 1-877-IDTHEFT (1-877-438-4338)

Discover Bank Online App

•  All your banking, in your pocket or purse. Download the Discover Bank Online App today via iOS or Android.

Still Have Questions?

•  Reach someone helpful 24/7. Call 1-800-347-7000! Ask to be connected with the Discover Bank Online Security Center.

Author’s Verdict

What we have here at your convenience is a compiled list regarding the Discover Bank Online Security Center so you can retain that peace of mind, receive tips to prevent potential fraud, how Discover takes your identity seriously with the identity verification process, and in the case that fraud does occur, how to report it.Let us know about your thoughts and experience with Discover Bank Online in the comment section below! If you’re interested in more info regarding Discover Bank Online offers, check out our full listing of Discover Bank Online Bank Deals, Offers, Bonuses, and Promotions. Be sure to check back on BankDealGuy for more bank deals!

• Available nationwide online • Discover offers CDs with some of the highest and most competitive rates! • Select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.10% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. Apply Now at Discover