Does Discover count as direct deposit? Bank by bank (2026)
Discover Savings ACH; inconsistent, recent failures trending up.
Type: Bank
Confirmed working at 12 banks, mixed at 7, fails at 0.
Bank by bank
Sorted works first, then mixed, then fails. Each bank name links to its review, where you can see the offer's full requirements.
| Bank | Verdict | Reports |
|---|---|---|
| U.S. Bank | Works | 48 member reports of it working, 4 reports of it failing, last confirmed Aug 2026. |
| Bank of America | Works | 6 member reports of it working, last confirmed Aug 2026. |
| Citi | Works | 15 member reports of it working, 2 reports of it failing, last confirmed Apr 2026. |
| Capital One 360 | Works | — |
| Wells Fargo | Works | 20 member reports of it working, 4 reports of it failing, last confirmed Jun 2026. |
| Truist | Works | — |
| Citizens Bank | Works | — |
| Fifth Third | Works | 2 member reports of it working, last confirmed Apr 2026. |
| KeyBank | Works | — |
| American Express Checking | Works | 7 member reports of it working, 2 reports of it failing, last confirmed Jul 2026. |
| Connexus Credit Union | Works | — |
| Consumers Credit Union (Illinois) | Works | — |
| Chase | Mixed | — |
| PNC | Mixed | 6 member reports of it working, 4 reports of it failing, last confirmed Jun 2026. |
| TD Bank | Mixed | 4 member reports of it working, 2 reports of it failing, last confirmed Jul 2023. |
| Regions | Mixed | — |
| Huntington | Mixed | 6 member reports of it working, last confirmed Jun 2024. |
| BMO | Mixed | — |
| Chime | Mixed | — |
How to set it up
Discover Savings ACH; inconsistent, recent failures trending up.
Send at least the offer's stated minimum, a little early in your bonus window. Standard ACH takes 1 to 3 business days to settle, so you want time left over to switch to real payroll if this push does not register as a direct deposit.