Over my six-year experience with Discover Bank, I have found nothing to like. Everything about this joke-of-a-bank is a nightmare ... from horrible customer service (e.g., telephone "hold" times often in excess of an hour), to their slow and antiquated online messaging platform (e.g., they won't allow customers to use ordinary email; message date-stamps are always wrong), to their BACKDATING of online funds transfers (that's right, they BACKDATED my online funds transfer to an external account by one whole day, thus costing one day's earned interest. A total NIGHTMARE dealing with Discover Bank! I'm convinced they intentionally try to cheat customers whenever they think they might get away with it. Thought USA banks were supposed to be federally regulated. Don't understand how this joke-of-a-bank has been allowed to remain in business so long. They are the worst! Stay away.