For mobile banking, Discover Mobile is a well-built app that offers a variety of features such as account management, bill pay, and credit score monitoring. Available for both Android and iOS, Discover Mobile allows Discover Bank customers to complete banking tasks on-the-go with ease. This review focuses on Discover Mobile's Android app (com.discoverfinancial.mobile), discussing its features, pros and cons, comparison to similar apps, tips for use, and a concluding recommendation.
Features
Discover Mobile provides a range of tools to manage your banking information from your mobile device. Here are some of the app's main features:
Account Management:
Discover Mobile enables users to manage their accounts – from viewing balances, transactions history, and current rewards balance; setting alerts and reminders; to transferring funds to other accounts.
Bill Pay:
With this feature, paying bills becomes simple and straightforward. You can schedule payments in advance, view payment history and payment confirmation receipts, and add new payees within the app.
Credit Score Monitoring:
Discover Mobile allows you to track your FICO credit scores, which the app updates every month – alongside a summary of what drives your score.
Pros and Cons
Like any mobile app, Discover Mobile has its advantages or disadvantages. Below are some of the app's pros and cons:
Pros
User-friendly: The app's design is clean and user-centric, making it easy to navigate even for people who aren't tech-savvy.
Secure: Discover Mobile incorporates several security measures to ensure that users' data is safe, including fingerprint login verification and two-factor authentication.
Free: There is no fee to download, install, or use the app.
Cons
No physical check deposit: The feature for depositing checks via camera is only available on iOS devices. On Android, users may have to deposit a check at a branch location.
Limited accessibility: The app is exclusively designed for Discover customers – meaning users must be Discover Bank cardholders to be able to utilize it fully.
Comparison to Similar Apps
Compared to its competition, Discover Mobile stands out as a top-of-the-line app for mobile banking. It has functionalities that other banking apps like Wells Fargo, Chase, or Bank of America lack. For instance, Discover Mobile includes a feature for monitoring your FICO score. This is something that Wells Fargo and Bank of America credit apps do not offer. Chase, on the other hand, does not have a feature for mobile check deposits like Discover Mobile has (although Chase allows for ATM check deposits). Furthermore, aside from its clear design and security practices, Discover Mobile also has a 24/7 customer service line where you can chat with a live agent.
Tips for use
To optimize the use of Discover Mobile, the following tips would be helpful:
Set-up fingerprint login:
You can enable fingerprint authentication for Discover Mobile from the settings tab of the app. This convenient feature provides a quicker and more secure method for logging into your mobile banking account.
Utilize account alerts:
One of the app's features is sending real-time alerts and notifications when specific activities occur in your account. You can customize the type of alert you receive and the frequency. This feature helps you stay informed about account activity and ultimately improves financial management.
Explore the help center:
Discover Mobile has a help center where you can find answers to frequently asked questions or contact customer support.
Conclusion
In conclusion, Discover Mobile is an excellent app for managing your banking account anytime, anywhere. The app's features, design, and security measures set it apart from its competition. While physical check deposits aren't available on Android, the app still holds significant benefits for Discover Bank customers such as real-time alerts and a 24/7 customer service line. Overall, we highly recommend the Discover Mobile app to current Discover cardholders – it's free, user-friendly, and secure.
Updated 05-09-2023
Overview
For mobile banking, Discover Mobile is a well-built app that offers a variety of features such as account management, bill pay, and credit score monitoring. Available for both Android and iOS, Discover Mobile allows Discover Bank customers to complete banking tasks on-the-go with ease. This review focuses on Discover Mobile's Android app (com.discoverfinancial.mobile), discussing its features, pros and cons, comparison to similar apps, tips for use, and a concluding recommendation.Features
Discover Mobile provides a range of tools to manage your banking information from your mobile device. Here are some of the app's main features:Account Management:
Discover Mobile enables users to manage their accounts – from viewing balances, transactions history, and current rewards balance; setting alerts and reminders; to transferring funds to other accounts.Bill Pay:
With this feature, paying bills becomes simple and straightforward. You can schedule payments in advance, view payment history and payment confirmation receipts, and add new payees within the app.Credit Score Monitoring:
Discover Mobile allows you to track your FICO credit scores, which the app updates every month – alongside a summary of what drives your score.Pros and Cons
Like any mobile app, Discover Mobile has its advantages or disadvantages. Below are some of the app's pros and cons:Pros
Cons
Comparison to Similar Apps
Compared to its competition, Discover Mobile stands out as a top-of-the-line app for mobile banking. It has functionalities that other banking apps like Wells Fargo, Chase, or Bank of America lack. For instance, Discover Mobile includes a feature for monitoring your FICO score. This is something that Wells Fargo and Bank of America credit apps do not offer. Chase, on the other hand, does not have a feature for mobile check deposits like Discover Mobile has (although Chase allows for ATM check deposits). Furthermore, aside from its clear design and security practices, Discover Mobile also has a 24/7 customer service line where you can chat with a live agent.Tips for use
To optimize the use of Discover Mobile, the following tips would be helpful:Set-up fingerprint login:
You can enable fingerprint authentication for Discover Mobile from the settings tab of the app. This convenient feature provides a quicker and more secure method for logging into your mobile banking account.Utilize account alerts:
One of the app's features is sending real-time alerts and notifications when specific activities occur in your account. You can customize the type of alert you receive and the frequency. This feature helps you stay informed about account activity and ultimately improves financial management.Explore the help center:
Discover Mobile has a help center where you can find answers to frequently asked questions or contact customer support.Conclusion
In conclusion, Discover Mobile is an excellent app for managing your banking account anytime, anywhere. The app's features, design, and security measures set it apart from its competition. While physical check deposits aren't available on Android, the app still holds significant benefits for Discover Bank customers such as real-time alerts and a 24/7 customer service line. Overall, we highly recommend the Discover Mobile app to current Discover cardholders – it's free, user-friendly, and secure.