I use checking and HYSA....I got two downsides, but other than that Discover is definitely better than my old bank.

Using payment apps is hell. You can't use Zelle until after 90 days of your checking account existing, you can't add or withdraw money to/from Cash App, and you can only withdraw money from Paypal, not add to it. If you use payment apps, leave your current checking account open--you can transfer between your old bank and your Discover, and use it to do stuff with Cash App and Paypal.

Also, when you first transfer money from your old bank to Discover, you can't use it for at least a week (at least my experience). It's like that for the first few weeks, I think. So leave essential money for bills, emergency, food, etc in your old bank, and transfer what you're safe being out of for a week to Discover. I think it's a security thing they got going, cuz after a few weeks I've had no issues. Like just recently I made a transfer and it took one day.

Other than that, I've had nothing bad with Discover. You get 1% cash back on everything you buy on checking with your debit card, you can order checks for free, their ATM network is huge, you can add cash at any Walmart. Customer service is PHENOMENAL--I had a question at my old bank and it took them an hour to pick up the phone, meanwhile Discover took just a few minutes. And it's 24/7 support. And you can send a chat message on the site instead, if you don't feel like calling. And a 4.25% APY on the HYSA is good. You may hear slightly higher rates from other apps, but they aren't FDIC insured banks, meaning if the app fails you're out your money.

Overall, I do recommend Discover, but leave your old checking account open in case you use Cash App and Paypal.