Do not give them your money !! They can transfer the money via ACH to their account when you open it. But when you close the accout, the ACH transfer is limited to $50K per month to external account outside Discover. It took them 2-3 business days to close an account (not including fund transfer time). They asked me to fax a letter to request closing my account, so I did. But 24 hours later when I called again, they could not find my fax. They are a mess. Do not do business with them. Your money will get stuck with them. read full review »