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If your bank happens to offer a money market account with no maintenance fees, no minimum, and a competitive APY, feel free to use it. These regulations dictate that only a certain number of withdrawals and transfers can be conducted through online bank accounts during a billing period. If you may include a bank offer to earn keeping it! Market accounts typically offer higher interest rates, with higher account balance requirements. When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Like most online banks, one of the main challenges of working with Discover Bank might be a lack of branches.