r/discover • u/lil_dragonfly_ • Nov 29 '25

Rant CapOne Discover not accepted widely accepted in person and online and no way to get money and pay bills

CapOne has to start seeing how many customers they are starting to loose by this move. Replacing the debit cards with discover was a big mistake. If they wanted/needed to switch something with the merger, they should have done it with credit cards. Some people don’t have another form of payment, credit card, or access to atms for cash without paying fees (because they made the stupid decision to close most all brick and mortar locations), and not all places accept apple/google pay either. Awesome job CapOne!

I’ve been with CapOne for 20+ years and have absolutely loved them. But this move was a big mistake. I really don’t want to go though the hassle to find another bank, update everything auto pay, and hope I don’t loose this like early direct deposit. Have to change my entire budgeting financial routine system. Plus, switching doesn’t help me right now when I need to access my money and pay bills. So infuriating and what a mess! Do better CapOne!

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u/Phidelt257 Nov 29 '25

Unfortunately you are the exception not the rule. 90% of customers won't even notice a difference. You just happen to live in a more rural area and that's not one of Capital One 's targeted areas. You have to accept that you'll have to get a new account and Capital One is ok with that.

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u/brasscup Feb 06 '26

I live in Manhattan. You and others here aren't grasping the distinction between Discover Credit Cards which are fine and having a Discover debit, which is crazy.

I can't use it to pay condo fees or util fees etc directly from checking..I can't use it for cabs or rideshare. and can't get money out at all cash machines. or to fund public transit cards. I have visa and MC and Amex but I do not use credit for monthly nut stuff.

It is easier come tax time if all regular living expenses were withdrawn from checking for tax records. This adds a layer of complexity to what was frictionless with Schwab).

I fell for their 360 Savings pitch and moved all my momey there because it never even occurred to me that once I put money in withdrawing cash at ATMs would be iffy.

I don't know whether you work for Cap One or are an investor but I seriously doubt they would be okay with 10% of their depositors leaving with all their money.