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Discover routing numbers

031 100 649 is the number for direct deposit and ACH transfers.

Bank-verifiedDiscover Direct Deposit Formchecked July 4, 2026
⑆ Routing numbers
Direct deposit & ACHBank-verified

Direct deposit, payroll, and ACH transfers

031 100 649

Confirmed against an official bank source. Always confirm with the bank before you send money.

Type
bank
Headquarters
Greenwood, DE
Customer service (1-800-DISCOVER)
1-800-347-2683
Who-called reports & caller context for this number — areacode.fyi, our sister reference
Bank change

Discover is now a division of Capital One, N.A. Its routing number is unchanged on Discover's own forms. What changed, with the records

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Find it yourself

Find your Discover number in your account

Find your Discover routing number

Where to look: a check, online banking, the mobile app.

  1. Look at the bottom-left of a Discover check — the first 9 digits are your routing number.
  2. Or sign in to online or mobile banking and open your account or routing details.
  3. Or call the number on the back of your card and ask for the ABA routing number for your account.
  4. Confirm the number with the bank before using it for direct deposit or a transfer.
Proof

Screenshots from the bank's own pages

Captured by our verification pipeline — a headless browser opens Discover's own pages, confirms each number, and saves watermarked, dated screenshots. Independent third-party evidence; fin.codes is not affiliated with Discover.

Screenshot from Discover Direct Deposit Form showing routing 031 100 649Official screenshot031 100 649 · captured July 4, 2026
Before you send

Check these before you send money

  • Confirm the bank name on the transfer matches Discover Bank.
  • Match the number to the transfer type — ACH and direct deposit use one number, domestic wires another.
  • For wires, double-check the recipient's name and address too.
  • If instructions arrived by email, confirm them on Discover's official site or phone line before sending.
  • No one should ever need your password or full card number to confirm a routing number — that's a scam.
FAQ

Discover routing number FAQ

What is Discover's routing number?

031 100 649 is the number for direct deposit and ACH transfers. The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

How do I find my Discover routing number?

Your routing number is the first 9 digits in the bottom-left of a Discover check, or in your online and mobile banking under account or routing details. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.

What is Discover's customer service number?

1-800-347-2683 — from Discover's own contact page (discover.com), checked July 9, 2026. Phone menus change, so confirm on the bank's site if the call matters — and never give a password or full card number to an inbound caller.

Where is Discover headquartered?

Discover Bank is a bank headquartered in Greenwood, DE.

How does fin.codes check Discover's routing numbers?

Every number passes the standard ABA checksum. 1 number is confirmed against an official Discover source. fin.codes is an independent reference, not a bank — always confirm transfer details with Discover before sending money.

Is fin.codes affiliated with Discover?

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Discover Bank.

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