Discover routing number

Discover Bank operates as a direct online bank with a centralized structure based in Greenwood, Delaware. Unlike traditional banks with physical branches across multiple states, Discover doesn't maintain regional banking operations that would require different routing numbers. This single-number system was established when the bank transitioned from Greenwood Trust Company to a credit card bank in 1985, and it remains one of the simplest routing structures in American banking today.

Yes, Discover Bank uses the same routing number (031100649) for both ACH transfers and wire transfers. This applies to direct deposits, electronic bill payments, domestic wire transfers, and peer-to-peer payment services. The only exception is international wire transfers, which also require the SWIFT code IRVTUS3N in addition to the routing number.

Discover Bank charges a flat $30 service fee for each outgoing wire transfer, whether domestic or international. However, there are no fees for receiving domestic wire transfers or international wire transfers sent in U.S. dollars. If an international wire is sent in a foreign currency, an intermediary bank may apply a $20 currency exchange fee. For business owners making regular payments, these fees add up quickly - a business sending just 10 wire transfers per month pays $3,600 annually in wire fees alone.

Domestic wire transfers submitted and verified before 3:00 PM ET on a business day are processed the same day. Requests received after 3:00 PM ET or on weekends and holidays are processed the next business day. International wire transfers typically take 1-5 business days, though they may take longer depending on the receiving country and intermediary banks involved. ACH transfers generally take 1-3 business days to complete.

You can find Discover Bank's routing number (031100649) in several places: on the bottom left corner of your checks, in your online banking account dashboard, on your monthly account statements, or by calling Discover customer service at 1-800-347-7000. Since Discover uses only one routing number nationwide, you don't need to worry about selecting the correct number based on your state or branch location.