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Regular APR, annual Fee, credit Needed, n/A.While some other online banks focus solely on consumers, many traditional banks offer commercial loans as well.Step 2 is your address information, and Step 3 is your credit card information.While some online banks (such as Ally Bank) also offer 24-hour phone support, many including EverBank do not.Discover works with the MoneyPass and Allpoint networks to provide fee-free ATM access at about 60,000 ATMs in the.S.In 2005, the Supreme Court of California issued a ruling against the bank which invalidated a class action waiver contained within its arbitration clause.Basically, the waiver prevented regular customers with relatively small monetary claims from joining class action suits against the bank.Theres no minimum deposit amount and no need to maintain a minimum balance after your initial deposit.Requires Internet access, super easy to use and saves times (and the hassle of paper statements).Key Features, cashBack Checking Account, discover Banks CashBack Checking account is available to anyone with a Discover-branded credit card or existing Discover Bank account, such as a savings or money market account.If you attempt an outbound transfer but dont have enough money in your account, youre charged 30 per attempt.Costs, in most cases, there is a fee involved that depends on the vendor.Final Word Discover Bank offers an almost-full suite of online banking services, including checking accounts, savings accounts, money market accounts, retirement options, and CDs. .Nine months interest for 48 months.