You can find some useful tips in our how-to guide.
The maximum length of your abstract should be 250 words in total, including keywords and article classification (see the sections below).
Your submission should include up to 12 appropriate and short keywords that capture the principal topics of the paper. Our how to guide contains some practical guidance on choosing search-engine friendly keywords.
Please note, while we will always try to use the keywords you’ve suggested, the in-house editorial team may replace some of them with matching terms to ensure consistency across publications and improve your article’s visibility.
During the submission process, you will be asked to select a type for your paper; the options are listed below. If you don’t see an exact match, please choose the best fit:
You will also be asked to select a category for your paper. The options for this are listed below. If you don’t see an exact match, please choose the best fit:
Reports on any type of research undertaken by the author(s), including:
Covers any paper where content is dependent on the author's opinion and interpretation. This includes journalistic and magazine-style pieces.
Describes and evaluates technical products, processes or services.
Focuses on developing hypotheses and is usually discursive. Covers philosophical discussions and comparative studies of other authors’ work and thinking.
Describes actual interventions or experiences within organizations. It can be subjective and doesn’t generally report on research. Also covers a description of a legal case or a hypothetical case study used as a teaching exercise.
This category should only be used if the main purpose of the paper is to annotate and/or critique the literature in a particular field. It could be a selective bibliography providing advice on information sources, or the paper may aim to cover the main contributors to the development of a topic and explore their different views.
Provides an overview or historical examination of some concept, technique or phenomenon. Papers are likely to be more descriptive or instructional (‘how to’ papers) than discursive.
Headings must be concise, with a clear indication of the required hierarchy.
The preferred format is for first level headings to be in bold, and subsequent sub-headings to be in medium italics.
Notes or endnotes should only be used if absolutely necessary. They should be identified in the text by consecutive numbers enclosed in square brackets. These numbers should then be listed, and explained, at the end of the article.
All figures (charts, diagrams, line drawings, webpages/screenshots, and photographic images) should be submitted electronically. Both colour and black and white files are accepted.
There are a few other important points to note:
Tables should be typed and submitted in a separate file to the main body of the article. The position of each table should be clearly labelled in the main body of the article with corresponding labels clearly shown in the table file. Tables should be numbered consecutively in Roman numerals (e.g. I, II, etc.).
Give each table a brief title. Ensure that any superscripts or asterisks are shown next to the relevant items and have explanations displayed as footnotes to the table, figure or plate.
Where tables, figures, appendices, and other additional content are supplementary to the article but not critical to the reader’s understanding of it, you can choose to host these supplementary files alongside your article on Insight, Emerald’s content-hosting platform (this is Emerald's recommended option as we are able to ensure the data remain accessible), or on an alternative trusted online repository. All supplementary material must be submitted prior to acceptance.
Emerald recommends that authors use the following two lists when searching for a suitable and trusted repository:
, you must submit these as separate files alongside your article. Files should be clearly labelled in such a way that makes it clear they are supplementary; Emerald recommends that the file name is descriptive and that it follows the format ‘Supplementary_material_appendix_1’ or ‘Supplementary tables’. All supplementary material must be mentioned at the appropriate moment in the main text of the article; there is no need to include the content of the file only the file name. A link to the supplementary material will be added to the article during production, and the material will be made available alongside the main text of the article at the point of EarlyCite publication.
Please note that Emerald will not make any changes to the material; it will not be copy-edited or typeset, and authors will not receive proofs of this content. Emerald therefore strongly recommends that you style all supplementary material ahead of acceptance of the article.
Emerald Insight can host the following file types and extensions:
, you should ensure that the supplementary material is hosted on the repository ahead of submission, and then include a link only to the repository within the article. It is the responsibility of the submitting author to ensure that the material is free to access and that it remains permanently available. Where an alternative trusted online repository is used, the files hosted should always be presented as read-only; please be aware that such usage risks compromising your anonymity during the review process if the repository contains any information that may enable the reviewer to identify you; as such, we recommend that all links to alternative repositories are reviewed carefully prior to submission.
Please note that extensive supplementary material may be subject to peer review; this is at the discretion of the journal Editor and dependent on the content of the material (for example, whether including it would support the reviewer making a decision on the article during the peer review process).
All references in your manuscript must be formatted using one of the recognised Harvard styles. You are welcome to use the Harvard style Emerald has adopted – we’ve provided a detailed guide below. Want to use a different Harvard style? That’s fine, our typesetters will make any necessary changes to your manuscript if it is accepted. Please ensure you check all your citations for completeness, accuracy and consistency.
References to other publications in your text should be written as follows:
, 2006) Please note, ‘ ' should always be written in italics.A few other style points. These apply to both the main body of text and your final list of references.
At the end of your paper, please supply a reference list in alphabetical order using the style guidelines below. Where a DOI is available, this should be included at the end of the reference.
Surname, initials (year), , publisher, place of publication.
e.g. Harrow, R. (2005), , Simon & Schuster, New York, NY.
Surname, initials (year), "chapter title", editor's surname, initials (Ed.), , publisher, place of publication, page numbers.
e.g. Calabrese, F.A. (2005), "The early pathways: theory to practice – a continuum", Stankosky, M. (Ed.), , Elsevier, New York, NY, pp.15-20.
Surname, initials (year), "title of article", , volume issue, page numbers.
e.g. Capizzi, M.T. and Ferguson, R. (2005), "Loyalty trends for the twenty-first century", , Vol. 22 No. 2, pp.72-80.
Surname, initials (year of publication), "title of paper", in editor’s surname, initials (Ed.), , publisher, place of publication, page numbers.
e.g. Wilde, S. and Cox, C. (2008), “Principal factors contributing to the competitiveness of tourism destinations at varying stages of development”, in Richardson, S., Fredline, L., Patiar A., & Ternel, M. (Ed.s), , Griffith University, Gold Coast, Qld, pp.115-118.
Surname, initials (year), "title of paper", paper presented at [name of conference], [date of conference], [place of conference], available at: URL if freely available on the internet (accessed date).
e.g. Aumueller, D. (2005), "Semantic authoring and retrieval within a wiki", paper presented at the European Semantic Web Conference (ESWC), 29 May-1 June, Heraklion, Crete, available at: http://dbs.uni-leipzig.de/file/aumueller05wiksar.pdf (accessed 20 February 2007).
Surname, initials (year), "title of article", working paper [number if available], institution or organization, place of organization, date.
e.g. Moizer, P. (2003), "How published academic research can inform policy decisions: the case of mandatory rotation of audit appointments", working paper, Leeds University Business School, University of Leeds, Leeds, 28 March.
(year), "title of entry", volume, edition, title of encyclopaedia, publisher, place of publication, page numbers.
e.g. (1926), "Psychology of culture contact", Vol. 1, 13th ed., Encyclopaedia Britannica, London and New York, NY, pp.765-771.
(for authored entries, please refer to book chapter guidelines above)
Surname, initials (year), "article title", , date, page numbers.
e.g. Smith, A. (2008), "Money for old rope", , 21 January, pp.1, 3-4.
(year), "article title", date, page numbers.
e.g. (2008), "Small change", 2 February, p.7.
Surname, initials (year), "title of document", unpublished manuscript, collection name, inventory record, name of archive, location of archive.
e.g. Litman, S. (1902), "Mechanism & Technique of Commerce", unpublished manuscript, Simon Litman Papers, Record series 9/5/29 Box 3, University of Illinois Archives, Urbana-Champaign, IL.
If available online, the full URL should be supplied at the end of the reference, as well as the date that the resource was accessed.
Surname, initials (year), “title of electronic source”, available at: persistent URL (accessed date month year).
e.g. Weida, S. and Stolley, K. (2013), “Developing strong thesis statements”, available at: https://owl.english.purdue.edu/owl/resource/588/1/ (accessed 20 June 2018)
Standalone URLs, i.e. those without an author or date, should be included either inside parentheses within the main text, or preferably set as a note (Roman numeral within square brackets within text followed by the full URL address at the end of the paper).
Surname, initials (year), , name of data repository, available at: persistent URL, (accessed date month year).
e.g. Campbell, A. and Kahn, R.L. (2015), , ICPSR07218-v4, Inter-university Consortium for Political and Social Research (distributor), Ann Arbor, MI, available at: https://doi.org/10.3886/ICPSR07218.v4 (accessed 20 June 2018)
There are a number of key steps you should follow to ensure a smooth and trouble-free submission.
Before submitting your work, it is your responsibility to check that the manuscript is complete, grammatically correct, and without spelling or typographical errors. A few other important points:
You will find a helpful submission checklist on the website Think.Check.Submit .
If you would like to offer readers the opportunity to access the analytical code and data underlying your research findings, the first step is to select an appropriate research data repository to upload it to. This might be one run by your own institution, or it could be a third-party platform such as Dryad , Figshare , Open Science Framework , Zenodo , UK Data Service ReShare , OpenICPSR , or Qualitative Data Repository . The repositories will provide you with a citable DOI (Digital Object Identifier) which should be included in your submission. Further repositories can be found on the Registry of Research Data Repositories ( Re3Data ).
A few important points
Why share your data?
Sharing of research data brings a number of benefits. It can:
Maximise the impact of your research by following best practices when sharing data , for example, compile a data dictionary listing the variables involved.
All manuscripts should be submitted through our editorial system by the corresponding author.
The only way to submit to the journal is through the journal’s ScholarOne site as accessed via the Emerald website, and not by email or through any third-party agent/company, journal representative, or website. Submissions should be done directly by the author(s) through the ScholarOne site and not via a third-party proxy on their behalf.
A separate author account is required for each journal you submit to. If this is your first time submitting to this journal, please choose the Create an account or Register now option in the editorial system. If you already have an Emerald login, you are welcome to reuse the existing username and password here.
Please note, the next time you log into the system, you will be asked for your username. This will be the email address you entered when you set up your account.
Don't forget to add your ORCiD ID during the submission process. It will be embedded in your published article, along with a link to the ORCiD registry allowing others to easily match you with your work.
Don’t have one yet? It only takes a few moments to register for a free ORCiD identifier .
Visit the ScholarOne support centre for further help and guidance.
You will receive an automated email from the journal editor, confirming your successful submission. It will provide you with a manuscript number, which will be used in all future correspondence about your submission. If you have any reason to suspect the confirmation email you receive might be fraudulent, please contact the journal editor in the first instance.
Review and decision process.
Each submission is checked by the editor. At this stage, they may choose to decline or unsubmit your manuscript if it doesn’t fit the journal aims and scope, or they feel the language/manuscript quality is too low.
If they think it might be suitable for the publication, they will send it to at least two independent referees for double anonymous peer review. Once these reviewers have provided their feedback, the editor may decide to accept your manuscript, request minor or major revisions, or decline your work.
While all journals work to different timescales, the goal is that the editor will inform you of their first decision within 60 days.
During this period, we will send you automated updates on the progress of your manuscript via our submission system, or you can log in to check on the current status of your paper. Each time we contact you, we will quote the manuscript number you were given at the point of submission. If you receive an email that does not match these criteria, it could be fraudulent and we recommend you contact the journal editor in the first instance.
Emerald’s manuscript transfer service takes the pain out of the submission process if your manuscript doesn’t fit your initial journal choice. Our team of expert Editors from participating journals work together to identify alternative journals that better align with your research, ensuring your work finds the ideal publication home it deserves. Our dedicated team is committed to supporting authors like you in finding the right home for your research.
If a journal is participating in the manuscript transfer program, the Editor has the option to recommend your paper for transfer. If a transfer decision is made by the Editor, you will receive an email with the details of the recommended journal and the option to accept or reject the transfer. It’s always down to you as the author to decide if you’d like to accept. If you do accept, your paper and any reviewer reports will automatically be transferred to the recommended journals. Authors will then confirm resubmissions in the new journal’s ScholarOne system.
Our Manuscript Transfer Service page has more information on the process.
Open access.
Once your paper is accepted, you will have the opportunity to indicate whether you would like to publish your paper via the gold open access route.
If you’ve chosen to publish gold open access, this is the point you will be asked to pay the APC (article processing charge). This varies per journal and can be found on our APC price list or on the editorial system at the point of submission. Your article will be published with a Creative Commons CC BY 4.0 user licence , which outlines how readers can reuse your work.
For UK journal article authors - if you wish to submit your work accepted by Emerald to REF 2021, you must make a ‘closed deposit’ of your accepted manuscript to your respective institutional repository upon acceptance of your article. Articles accepted for publication after 1st April 2018 should be deposited as soon as possible, but no later than three months after the acceptance date. For further information and guidance, please refer to the REF 2021 website.
All accepted authors are sent an email with a link to a licence form. This should be checked for accuracy, for example whether contact and affiliation details are up to date and your name is spelled correctly, and then returned to us electronically. If there is a reason why you can’t assign copyright to us, you should discuss this with your journal content editor. You will find their contact details on the editorial team section above.
Once we have received your completed licence form, the article will pass directly into the production process. We will carry out editorial checks, copyediting, and typesetting and then return proofs to you (if you are the corresponding author) for your review. This is your opportunity to correct any typographical errors, grammatical errors or incorrect author details. We can’t accept requests to rewrite texts at this stage.
When the page proofs are finalised, the fully typeset and proofed version of record is published online. This is referred to as the EarlyCite version. While an EarlyCite article has yet to be assigned to a volume or issue, it does have a digital object identifier (DOI) and is fully citable. It will be compiled into an issue according to the journal’s issue schedule, with papers being added by chronological date of publication.
Visit our author rights page to find out how you can reuse and share your work.
To find tips on increasing the visibility of your published paper, read about how to promote your work .
Sometimes errors are made during the research, writing and publishing processes. When these issues arise, we have the option of withdrawing the paper or introducing a correction notice. Find out more about our article withdrawal and correction policies .
Need to make a change to the author list? See our frequently asked questions (FAQs) below.
| The only time we will ever ask you for money to publish in an Emerald journal is if you have chosen to publish via the gold open access route. You will be asked to pay an APC (article-processing charge) once your paper has been accepted (unless it is a sponsored open access journal), and never at submission.
At no other time will you be asked to contribute financially towards your article’s publication, processing, or review. If you haven’t chosen gold open access and you receive an email that appears to be from Emerald, the journal, or a third party, asking you for payment to publish, please contact our support team via . |
| Please contact the editor for the journal, with a copy of your CV. You will find their contact details on the editorial team tab on this page. |
| Typically, papers are added to an issue according to their date of publication. If you would like to know in advance which issue your paper will appear in, please contact the content editor of the journal. You will find their contact details on the editorial team tab on this page. Once your paper has been published in an issue, you will be notified by email. |
| Please email the journal editor – you will find their contact details on the editorial team tab on this page. If you ever suspect an email you’ve received from Emerald might not be genuine, you are welcome to verify it with the content editor for the journal, whose contact details can be found on the editorial team tab on this page. |
| If you’ve read the aims and scope on the journal landing page and are still unsure whether your paper is suitable for the journal, please email the editor and include your paper's title and structured abstract. They will be able to advise on your manuscript’s suitability. You will find their contact details on the Editorial team tab on this page. |
| Authorship and the order in which the authors are listed on the paper should be agreed prior to submission. We have a right first time policy on this and no changes can be made to the list once submitted. If you have made an error in the submission process, please email the Journal Editorial Office who will look into your request – you will find their contact details on the editorial team tab on this page. |
CiteScore 2023
CiteScore is a simple way of measuring the citation impact of sources, such as journals.
Calculating the CiteScore is based on the number of citations to documents (articles, reviews, conference papers, book chapters, and data papers) by a journal over four years, divided by the number of the same document types indexed in Scopus and published in those same four years.
For more information and methodology visit the Scopus definition
CiteScore Tracker 2024
(updated monthly)
CiteScore Tracker is calculated in the same way as CiteScore, but for the current year rather than previous, complete years.
The CiteScore Tracker calculation is updated every month, as a current indication of a title's performance.
2023 Impact Factor
The Journal Impact Factor is published each year by Clarivate Analytics. It is a measure of the number of times an average paper in a particular journal is cited during the preceding two years.
For more information and methodology see Clarivate Analytics
5-year Impact Factor (2023)
A base of five years may be more appropriate for journals in certain fields because the body of citations may not be large enough to make reasonable comparisons, or it may take longer than two years to publish and distribute leading to a longer period before others cite the work.
Actual value is intentionally only displayed for the most recent year. Earlier values are available in the Journal Citation Reports from Clarivate Analytics .
Time to first decision
Time to first decision , expressed in days, the "first decision" occurs when the journal’s editorial team reviews the peer reviewers’ comments and recommendations. Based on this feedback, they decide whether to accept, reject, or request revisions for the manuscript.
Data is taken from submissions between 1st June 2023 and 31st May 2024
Acceptance rate
The acceptance rate is a measurement of how many manuscripts a journal accepts for publication compared to the total number of manuscripts submitted expressed as a percentage %
Data is taken from submissions between 1st June 2023 and 31st May 2024 .
Peer review process.
This journal engages in a double-anonymous peer review process, which strives to match the expertise of a reviewer with the submitted manuscript. Reviews are completed with evidence of thoughtful engagement with the manuscript, provide constructive feedback, and add value to the overall knowledge and information presented in the manuscript.
The mission of the peer review process is to achieve excellence and rigour in scholarly publications and research.
Our vision is to give voice to professionals in the subject area who contribute unique and diverse scholarly perspectives to the field.
The journal values diverse perspectives from the field and reviewers who provide critical, constructive, and respectful feedback to authors. Reviewers come from a variety of organizations, careers, and backgrounds from around the world.
All invitations to review, abstracts, manuscripts, and reviews should be kept confidential. Reviewers must not share their review or information about the review process with anyone without the agreement of the editors and authors involved, even after publication. This also applies to other reviewers’ “comments to author” which are shared with you on decision.
Discover practical tips and guidance on all aspects of peer review in our reviewers' section. See how being a reviewer could benefit your career, and discover what's involved in shaping a review.
More reviewer information
The publishing and editorial teams would like to thank the following, for their invaluable service as 2022 reviewers for this journal. We are very grateful for the contributions made. With their help, the journal has been able to publish such high...
The publishing and editorial teams would like to thank the following, for their invaluable service as 2021 reviewers for this journal. We are very grateful for the contributions made. With their help, the journal has been able to publish such high...
Thank you to our 2020 peer reviewers The publishing and editorial teams would like to thank the following, for their invaluable service as 2020&n...
Online Information Review is devoted to research in the broad field of digital information and communication, and related technologies.
The journal provides a multi-disciplinary forum for scholars from a range of fields, including information studies/iSchools, data studies, internet studies, media and communication studies and information systems.
Publishes research on the social, political and ethical aspects of emergent digital information practices and platforms, and welcomes submissions that draw upon critical and socio-technical perspectives in order to address these developments.
Welcomes empirical, conceptual and methodological contributions on any topics relevant to the broad field of digital information and communication, however, we are particularly interested in receiving submissions that address emerging issues around the below topics.
Coverage includes (but is not limited to):
These are the latest articles published in this journal (Last updated: May 2024 )
The meta-commerce paradox: exploring consumer non-adoption intentions, what facilitates users' compliance willingness to health information in online health communities: a subjective norms perspective, top downloaded articles.
These are the most downloaded articles over the last 12 months for this journal (Last updated: May 2024 )
Framework for using online social networks for sustainability awareness, the emergence of preprints: comparing publishing behaviour in the global south and the global north.
These are the top cited articles for this journal, from the last 12 months according to Crossref (Last updated: May 2024 )
Transforming entrepreneurial research: leveraging library research services and technology innovations for rapid information discovery, understanding health misinformation sharing among the middle-aged or above in china: roles of social media health information seeking, misperceptions, and information processing predispositions.
We believe in quality education for everyone, everywhere and by highlighting the issue and working with experts in the field, we can start to find ways we can all be part of the solution.
This journal is part of our Library & information sciences collection. Explore our Library & information sciences subject area to find out more.
See all related journals
Library Management publishes articles of interest to senior library managers and academics
Reference Services Review is dedicated to the enrichment and advancement of reference knowledge and the improvement of...
Performance Measurement and Metrics is a leading double-blind refereed, international journal, charting new developments...
Discover bank review 2024.
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate banking products to write unbiased product reviews.
Savings | 4.75 |
Checking | 4.25 |
CD | 3.75 |
Money market | 4 |
Trustworthiness | 5 |
Total score | 4.25 |
Discover Bank offers online-only products and services. You won't be able to visit a physical branch to open a bank account or speak to a banker in person, so you have to be content with a predominantly online and mobile banking experience.
You have access to a debit card with both the checking and money market account . You can use 60,000 ATMs for free, but unlike some competitors, Discover doesn't reimburse any fees charged by out-of-network ATM providers.
At Discover Bank, you'll still be able to deposit cash at Walmart locations, but it might not be as convenient as heading to a branch from a national brick-and-mortar bank.
Your Discover Bank account is insured by the FDIC for up to $250,000 or up to $500,000 for a joint account.
If you value more simplified banking, Discover Bank will appeal to you. It offers one checking account, one high-yield savings account, and one money market account. For CDs, you'll be able to choose from traditional CDs or IRA CDs .
Other banks might have more checking and savings account options, but that can also make the fee structure complex.
You can also find both online banks and brick-and-mortar banks with specialty CDs, like no-penalty CDs or bump-up CDs . Discover doesn't have any specialty CDs, so that may be a downside if this is important to you.
Discover's mobile banking app is for banking, loan, and credit card customers. You can use the app to view your transaction history, make credit card and loan payments, redeem credit card rewards, make mobile check deposits, find ATMs, and send secure messages. These are standard mobile banking features that you'll find among the best banks .
Discover's website is easy to navigate, and its mobile app has received 4.5 out of 5 stars in the Google Play store and 4.8 stars in the Apple store.
You can chat 24/7 with a Discover Bank live customer service representative. Discover also provides 24/7 customer service over the phone.
According to the J.D. Power 2024 U.S. Direct Banking Satisfaction Study , Discover ranked below the segment average in overall customer satisfaction for checking account providers among online banks. That said, the same study also showed that the bank ranked 18 points above the segment average in overall customer satisfaction for savings account providers among online banks.
Understanding Discover's Fee Structure
Similar to other online banks, Discover does not charge most common bank fees . When you get a bank account, you won't have to worry about monthly service fees and insufficient funds fees. The bank also doesn't charge for official bank checks, expedited delivery on replacement debit cards, or check reorders.
There is a $30 outgoing wire transfer fee, but there isn't a fee for receiving a domestic or international wire transfer in U.S. dollars. If you receive an international wire transfer in a foreign currency, there's a $20 currency exchange charge.
Discover Savings, Money Market, and CD Rates and How They Compare
Discover savings, money market, and CD rates are all more competitive than average bank account interest rates and similar to what you'd find at other national online banks like Ally or Capital One.
Some smaller financial institutions have more competitive interest rates on bank accounts. However, keep in mind that there are a couple of notable distinctions between banking with a local bank versus a national brand. For example, smaller banks tend to have fewer hours of customer support availability and weaker mobile apps.
Discover Bank has received an A+ rating from the Better Business Bureau. A strong BBB rating signifies the company is transparent in how it handles business, responds effectively to customer complaints, and is honest in its advertising.
Some other big-name banks — think Bank of America , Wells Fargo, and Chase — have faced public scrutiny in the past few years for issues like discriminatory lending, fake accounts, and wrongful trading. Discover Bank hasn't had any major scandals in recent years, though.
Discover offers many services including bank accounts, credit cards, home loans, student loans, and personal loans. For banking, you'll be able to get an online-only checking account, high-yield savings account, money market account, or CDs.
There are a few fees associated with Discover Bank accounts. If you use an out-of-network ATM, Discover won't charge you a fee, but it won't reimburse you if the outside provider charges you. Discover also charges a fee for sending outgoing wire transfers or receiving an international wire transfer in a foreign currency. Discover Bank accounts do not have monthly service fees and insufficient funds fees.
You can contact Discover Bank customer service by calling or sending a message through Discover mobile banking. Customer support is available 24/7.
The pros of banking with Discover Bank include strong mobile banking, competitive bank interest rates, and minimal common bank fees. The cons of banking with Discover Bank include no physical branch presence, no specialty CDs, and no brokerage accounts.
Discover cashback debit account.
Earn cash back rewards with no fees. Start earning 1% cash back today (see website for details).
no monthly service fee
It isn't very common to find a debit card that offers cash back rewards, but Discover lets you earn 1% cash back on up to $3,000 of purchases per month on the Discover® Cashback Debit Account (see website for details). There are also no monthly service fees with Discover. If you enroll in overdraft protection that links your checking to another Discover account, so this can be a great low-cost checking account.
You have access to 60,000 ATM locations with Discover, but the bank doesn't reimburse any out-of-network ATM fees charged by ATM providers.
Earn 4.25% Annual Percentage Yield (APY). $0 minimum deposit. FDIC Insured.
4.25% (as of 3/14/24)
The best high-yield savings accounts offer competitive interest rates and low fees, and the Discover Online Savings Account comes with both. The minimum opening deposit might be especially attractive to new savers who don't meet the higher initial deposits some banks require.
The Discover® Online Savings Account is a worthwhile option for a no-fee savings account. There's no monthly service charge and no insufficient funds charge. The Discover savings rate is competitive, and it doesn't require an initial deposit to open the account.
2.00% to 4.70%
You may find CDs from Discover Bank appealing if you'd like a competitive CD rate and have a minimum of $2,500.
Discover CDs offer a wider range of terms than many competitors — most offer terms up to 5 years, but Discover also has 7-year and 10-year terms. However, it doesn't offer any unique types of CDs, like no-penalty CDs.
Discover pays competitive rates on CDs, but you'll need $2,500 to open a Discover® CD . While this is lower than some banks' requirements, plenty of online banks require significantly less.
4.00% to 4.05%
The Discover® Money Market Account gives you easy access to your money with a debit card and paper checks. You'll earn 4.00% APY (Annual Percentage Yield) if you have an account balance under $100,000. If you have an account balance of $100,000 and over, the rate increases to 4.05% APY.
You'll need at least $2,500 to open an account, though. Discover has 60,000 free ATMs, but it doesn't reimburse any out-of-network fees charged by ATM providers.
Discover offers an array of credit cards for different types of spenders, and Discover credit cards don't charge annual fees.
See Business Insider's best Discover credit cards .
Discover also has personal loans, home loans, and student loans. Discover is no longer accepting new student loan applications. If you submitted a Discover student loan application before January 31, 2024, it is being processed as normal.
If you're searching for a variety of CD options, you might prefer Discover to Capital One Bank. Discover has CD terms up to 10 years.
If you don't have a lot of money to deposit into a CD, Capital One may be more suitable. With Discover, you'll need to deposit at least $2,500 into a CD. Capital One doesn't require a minimum opening deposit, though.
Capital One Bank Review
You might prefer Discover if you want a rewards checking account. Ally offers a good checking account, but it doesn't have a cash-back debit card like Discover does.
If you don't have a lot of money to deposit into a CD, Ally Bank may be more appealing. With Discover, you'll need to deposit at least $2,500 into a CD. Ally doesn't require a minimum opening deposit, though.
Ally also might be the strongest contender if you're planning to get a money market account. Ally lets you open an account with $0 while Discover's money market account requires a minimum of $2,500 or more.
Ally Bank Review
Discover Bank is best for people who find online banking convenient and are interested in fee-free bank accounts or a cash-back credit card .
It may not be right for you if you prefer in-person banking. You also may prefer a different online financial institution if you want other products and services, like specialty CDs, more checking account options, or brokerage accounts.
For our Discover Bank review, we rate bank products and services using our editorial standards .
At Business Insider, we rate products on a scale from zero to five stars. For bank accounts we review different features for distinct types of bank accounts. For example, we'll look at early withdrawal penalties and CD variety specifically for CDs. Meanwhile, for checking accounts, we'll factor in the ATM network size and fees, as well as its overdraft protection options.
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his image released by Netflix shows Eddie Murphy, from left, Taylour Paige, Joseph Gordon-Levitt and Bronson Pinchot in “Beverly Hills Cop: Axel F.” (Netflix via AP)
This image released by Netflix shows John Ashton, from left, Eddie Murphy and Judge Reinhold in “Beverly Hills Cop: Axel F.” (Netflix via AP)
This image released by Netflix shows Joseph Gordon Levitt, left, and Eddie Murphy in “Beverly Hills Cop: Axel F.” (Melinda Sue Gordon/Netflix via AP)
This image released by Netflix shows Kevin Bacon, left, and Eddie Murphy in “Beverly Hills Cop: Axel F.” (Netflix via AP)
This image released by Netflix shows Paul Reiser in “Beverly Hills Cop: Axel F.” (Netflix via AP)
This image released by Netflix shows Eddie Murphy, left, and Paul Reiser in “Beverly Hills Cop: Axel F.” (Netflix via AP)
Judge Reinhold arrives at the premiere of “Beverly Hills Cop: Axel F” on Thursday, June 20, 2024, in Beverly Hills, Calif. (Photo by Richard Shotwell/Invision/AP)
John Ashton arrives at the premiere of “Beverly Hills Cop: Axel F” on Thursday, June 20, 2024, in Beverly Hills, Calif. (Photo by Richard Shotwell/Invision/AP)
Judge Reinhold, Eddie Murphy and John Ashton arrive at the premiere of “Beverly Hills Cop: Axel F” on Thursday, June 20, 2024, in Beverly Hills, Calif. (Photo by Richard Shotwell/Invision/AP)
Kevin Bacon arrives at the premiere of “Beverly Hills Cop: Axel F” on Thursday, June 20, 2024, in Beverly Hills, Calif. (Photo by Richard Shotwell/Invision/AP)
Joseph Gordon-Levitt arrives at the premiere of “Beverly Hills Cop: Axel F” on Thursday, June 20, 2024, in Beverly Hills, Calif. (Photo by Richard Shotwell/Invision/AP)
Eddie Murphy, left, and Big Sean arrive at the premiere of “Beverly Hills Cop: Axel F” on Thursday, June 20, 2024, in Beverly Hills, Calif. (Photo by Richard Shotwell/Invision/AP)
This image released by Netflix shows Eddie Murphy in “Beverly Hills Cop: Axel F.” (Netflix via AP)
This image released by Netflix shows Eddie Murphy, left, and Taylour Paige in “Beverly Hills Cop: Axel F.” (Netflix via AP)
Judge Reinhold is in a truck barreling down the highway chased by angry cops when he turns to Eddie Murphy at the wheel and says something we’re all feeling, “God, I missed you, Axel.”
We all really did, but we get the sarcastic and sweet Axel Foley once again in Netflix’s “Beverly Hills Cop: Axel F,” exactly 30 years since “1994’s Beverly Hills Cop III.” Is the new movie any good? Who cares?
The fourth outing brings back not just Murphy and Reinhold to the Axel Foley Cinematic Universe, but also long-time co-stars Paul Reiser, John Ashton and Bronson Pinchot. Kevin Bacon, Taylour Paige and Joseph Gordon-Levitt make their debuts.
The plot is pretty simple: Murphy’s Foley is living his best cop life in Detroit — destroying things spectacularly — when he’s asked to urgently return to Beverly Hills to help his estranged daughter, played with real grit by Taylour Paige. He then gets caught up in a murder case that has dirty cops and lets him make fun of snooty Beverly Hills.
Newcomers may be puzzled by the slow pace and ‘80s feel of Mark Molloy’s directed sequel. It’s not as funny as previous ones or ambitious in the way sequels for beloved franchises have gotten . But it has Murphy blowing stuff up and joking about it — all we need, really.
“Goddamn, Foley. Here we go again,” says Ashton, playing the exasperated chief of police, and that sentiment runs through the fourth entry. All you need to make your Gen X friends happy is a montage of Murphy behind the wheel while “The Heat Is On” by Glenn Frey plays. (“Neutron Dance” by The Pointer Sisters also returns).
Speaking of music, the filmmakers seem to want to break some sort of record for Most Theme Song Plays in a Single Movie, as the instrumental tune ”Axel F″ by Harold Faltermeyer is cued up, by one rough count, approximately 5,000 times.
There are also a lot of vehicles commandeered in “Beverly Hills Cop: Axel F,” perhaps a nod to the advanced age of the core group. There’s a snowplow, a helicopter, a golf cart and trucks, none of which are returned in mint condition.
The screenwriters — Will Beall, Tom Gormican and Kevin Etten — leave plenty of places for Murphy to improvise but also craft some surprisingly strong dialogue between Foley and his 32-year-old daughter, both nursing hurt feelings.
“You didn’t fight. I’m your daughter. The only thing you’ve ever fought for is your job,” she tells him. “Look, we both messed this thing up. All right? Let’s just call it even.” Come for the explosions, stay for the heart-to-hearts.
Murphy uses Mary J. Blige’s “Family Affair” and proves it. In one scene, Foley is arrested while trying to drive away in a comically small cop car. One of the traffic cops is played by Murphy’s daughter, Bria, one of his 10 kids. Another cop who later tases him is a son-in-law.
A lot has changed in the three decades since Foley was breaking rules and skulls and there’s the feeling of a requiem as these aged men go into battle again. “They don’t want swashbucklers out there anymore. They want social workers,” Reiser’s detective says.
There are jokes about Wesley Snipes, small yappy dogs and Spirit airlines, a scary shootout on Wilshire Boulevard, way too much synth played and an inside joke about the last sequel, a stinker: Gordon-Levitt goes through all of Foley’s brushes with the California police and says “’94, not your finest hour.”
“Axel F” is not exactly Murphy’s finest hour, either. But Murphy just saying “Jesus!” is funny. Let’s hope we don’t have to wait another 30 years for our next Axel Foley fix. God, we’ve missed him.
“Beverly Hills Cop: Axel F,” a Netflix release that starts streaming Wednesday, is rated R for “language throughout, violence and brief drug use.” Running time: 117 minutes. Two stars out of four.
MPAA definition of R: Restricted. Under 17 requires accompanying parent or adult guardian.
Online: https://www.netflix.com/title/81076856
Mark Kennedy is at http://twitter.com/KennedyTwits
Watch CBS News
By Melissa Quinn
Updated on: July 5, 2024 / 4:19 PM EDT / CBS News
Washington — It was one of the most momentous Supreme Court terms in decades, resulting in a flurry of blockbuster decisions on guns, abortion, the power of federal regulatory agencies and the prosecution of former President Donald Trump.
For most of those cases decided by the nation's highest court, the outcomes reflected its rightward shift that was cemented by Trump himself when he appointed three justices during his four years in office. But others exposed emerging differences among the court's six conservative members, with the spotlight on Justice Amy Coney Barrett in particular.
"It was a tsunami term," Victoria Nourse, a professor at Georgetown Law, told CBS News.
The significance of the term was evidenced by the flood of decisions in massive cases announced in the last week, capped by its final rulings on July 1. The Supreme Court typically wraps up its terms by the end of June and rarely extends its work into July, most recently doing so during the two terms that were impacted by the COVID-19 pandemic, which concluded in the summer of 2020 and 2021.
Before then, the last time the justices wrapped their work in July was in 1996, according to an analysis from Adam Feldman and Jake Truscott, who conducted empirical research on the court and its most recent term.
Of the decisions that were released, 27 were unanimous, and 22 were divided 6 to 3, with varying combinations of justices. Of those decisions, the justices divided 6-3 along ideological lines in half, Feldman and Truscott found. Chief Justice John Roberts was most frequently in the majority this term, followed by Justices Brett Kavanaugh and Barrett, according to their analysis.
Here are the top takeaways from the Supreme Court's term:
In one of the most consequential rulings from the court, the conservative majority overruled a 40-year-old decision on regulatory power that said courts should defer to an agency's interpretation of an ambiguous statute if it is reasonable.
Known as Chevron deference, the framework effectively gave federal agencies the authority to enact rules and regulations to fill gaps in the laws passed by Congress. But after getting rid of that precedent , it will now be up to courts to decide whether an agency has acted within its authority, leaving judges to make calls about policy that had previously been decided by experts.
In another case, the Supreme Court said people accused of securities fraud are entitled to a jury trial in federal court, stripping the Securities and Exchange Commission of a key enforcement tool. And in yet another, it lengthened the time frame for companies to challenge federal regulations. The court in a fourth decision blocked a rule from the Environmental Protection Agency that seeks to curb air pollution while legal proceedings continue.
"Administrative law boils down to one question, which is, who decides?" said Allison Orr Larsen, a law professor at William and Mary. "These four cases weigh in on that 'who decides' question in very significant ways that tip the balance toward judges and away from an administrative agency."
In one week, she said, the court has dismantled deference to agencies on ambiguities in the law, elongated the time allowed to bring challenges to agency action, increased the skepticism that courts show agencies on questions of policy and curtailed when agencies can adjudicate disputes internally.
"You could call it an administrative law conservative makeover, or an extreme makeover," Larsen said. "The decisions are truly remarkable in the number of ways that an agency now can lose. Another way to think of it is the breadth of the transfer of power to the judiciary."
The most closely watched cases before the high court had significant legal and political ramifications for the former president and were added to the docket months after the Supreme Court's term began in October 2023.
One of the disputes involved an effort to remove Trump from the Colorado ballot because of his actions surrounding the Jan. 6, 2021, assault on the U.S. Capitol. The Colorado Supreme Court ruled he could, indeed, be kept off the state's primary and general election ballots under Section 3 of the 14th Amendment, an obscure provision that bars oath-taking insurrectionists from holding public office.
The Supreme Court unanimously reversed that ruling , finding that states do not have the power to enforce Section 3 and keep a presidential candidate from the ballot. But the justices were fractured as to how far the high court should go with deciding the case.
Five conservative justices in the majority said only Congress, through legislation, could enforce the clause, while Justices Sonia Sotomayor, Elena Kagan, Ketanji Brown Jackson and Barrett wrote that it was not necessary for the Supreme Court to go so far as to lay out the means of federal enforcement.
The second dispute involving Trump arose out of his prosecution by special counsel Jack Smith for his alleged scheme to subvert the transfer of presidential power after the 2020 election. Trump, who pleaded not guilty to the four charges he faces in Washington, claimed that he was entitled to sweeping immunity from criminal charges because he was president at the time of the alleged unlawful conduct.
In a 6-3 ruling along ideological lines , the Supreme Court said former presidents are entitled to immunity for official acts taken while in office. The court's conservative majority sent the case back to the federal district court overseeing Trump's case for additional proceedings, delaying the start of a trial and making it highly unlikely one will take place before the presidential election on Nov. 5.
The Supreme Court divided a president's conduct into three categories: official actions that are part of his "core constitutional powers;" other acts that are within the outer perimeter of his official responsibilities; and unofficial, private acts. A former president has absolute immunity for the first category; "presumptive" immunity for the second, which can be rebutted by the government; and no immunity for the third.
In an opinion authored by Roberts, the court said absolute immunity extends to Trump's discussions with Justice Department officials. When it comes to Smith's allegations that Trump pressured then-Vice President Mike Pence to unilaterally delay Congress' certification of Electoral College votes on Jan. 6, the court said it is the government's burden to rebut the presumption of immunity.
They ordered the district court to determine whether and to what extent the rest of Trump's alleged conduct, such as efforts to organize false slates of electors and urge his supporters to descend on Washington on Jan. 6, is subject to prosecution.
Two cases before the Supreme Court this term involved abortion, and in both, the justices skirted decisions on the merits.
The first involved an effort to roll back a series of actions taken by the Food and Drug Administration to make a widely used abortion pill easier to obtain. The Supreme Court unanimously rejected the challenge brought by a group of anti-abortion rights doctors and medical associations, finding they lacked the legal right to sue.
The second case involved the intersection of a federal emergency care law and Idaho's near-total ban on abortion. The court fight marked the first since it overturned Roe v. Wade in which the justices reviewed a state abortion law.
The Biden administration argued that the federal law, the Emergency Medical Treatment and Labor Act or EMTALA, required hospitals in states with the most stringent abortion restrictions to offer emergency abortions to treat certain medical conditions. But Idaho said that would be a violation of its law, which only allows abortions when needed to save the life of the mother, or in cases of rape or incest.
The Supreme Court dismissed Idaho's appeal of an adverse appeals court ruling and lifted its own stay to clear the way for physicians in the state to perform emergency abortions. The high court said it had intervened in the dispute too soon and is allowing the legal process to play out.
Both decisions are wins for the Biden administration as it has sought to protect abortion access, although they may be temporary.
In the abortion pill case, three states were involved in the challenge at the district court level and have vowed to continue the legal fight. In the EMTALA dispute, the case is likely to wind up before the justices again after more proceedings. Plus, there is a similar case pitting Texas' near-total abortion ban against EMTALA that will be poised for action from the Supreme Court in its next term.
"Abortion is a special issue for this court because of Dobbs and the reaction to Dobbs," Larsen said of the June 2022 decision reversing Roe. "I think several of the justices don't want to get in the business of deciding many abortion controversies if they can help it."
Nearly four years after Barrett was confirmed to the Supreme Court following the death of Justice Ruth Bader Ginsburg, this term showed the willingness of the youngest justice to split from her fellow conservatives on major decisions.
She authored the dissent, joined by the three liberals, to the decision that blocked the EPA's plan to address interstate pollution and accused the majority of basing its ruling on an "underdeveloped theory" that is unlikely to succeed.
Barrett also joined Kagan and Sotomayor in dissent in a case that narrowed the Justice Department's use of a federal obstruction statute leveled against Jan. 6 defendants. There, Barrett wrote that the conduct of a Pennsylvania man charged for his actions during the Capitol attack was covered by the law.
While she agreed with the majority that a former president is entitled to immunity from prosecution for official acts, Barrett declined to join a portion of Roberts' opinion that said the government cannot introduce protected official acts as evidence in the prosecution of a former president.
"The Constitution," Barrett wrote, "does not require blinding juries to the circumstances surrounding conduct for which presidents can be held liable."
In a case involving the constitutionality of a provision of federal copyright law, she also split with Justice Clarence Thomas over his reliance on history and tradition to settle the issue, calling it "wrong twice over." Joining parts of her concurring opinion in that dispute, which involved an attempt to trademark the phrase "Trump Too Small," were Kagan, Sotomayor and Jackson.
Barrett "is still a conservative jurist, to be sure," Larsen said, "but she's conservative in the more traditional sense of that word. She's cautious and deliberate. That is coming out in this term, maybe more than it has before."
Melissa Quinn is a politics reporter for CBSNews.com. She has written for outlets including the Washington Examiner, Daily Signal and Alexandria Times. Melissa covers U.S. politics, with a focus on the Supreme Court and federal courts.
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Mia Goth returns to Ti West’s horrorverse as an actress fleeing a mysterious stalker and a traumatic past.
By Jeannette Catsoulis
A psychosexual thriller imagined in blood red and cocaine white, “MaXXXine,” the third installment in Ti West’s nostalgia-soaked slasher saga, is part grungy homage to 1980s Hollywood and part sleazy feminist manifesto. Darker, moodier and altogether nastier than its predecessors — “X” (2022) and, later that same year, “Pearl” — this hyperconfident feature is also funny, occasionally wistful and deeply empathetic toward its damaged, driven heroine.
That would be Maxine Minx (Mia Goth), the sole survivor of the dirty-movie cast massacred in “X.” Now a successful porn star, Maxine, eager to break into mainstream movies, has relocated to a Hollywood of spectacular seediness. It is 1985 and, as in real life, a killer known as the Night Stalker is terrorizing the city, the so-called Moral Majority is hyperventilating on the sidelines and rock musicians are fighting accusations of satanic intent. In one pungent shot of Maxine’s boot grinding her cigarette stub into the silent film sex symbol Theda Bara’s star on the Walk of Fame, West underscores the transience of the celebrity status that Maxine so desperately seeks.
“I will not accept a life I do not deserve,” she declares, repeating the mantra taught by her father, a preacher seen in speckled, black-and-white flashback. Securing a role on a low-grade horror sequel brings her under the wing of its industry-toughened director (a perfect Elizabeth Debicki). Yet Maxine is constantly distracted: Her friends are dying, and two homicide detectives (Bobby Cannavale and Michelle Monaghan) want to question her; a Louisiana gumshoe (Kevin Bacon, a skeevy vision in crumpled suits and gold-capped incisors) keeps randomly accosting her; and a mysterious, black-gloved stalker haunts the film’s shadows. No wonder Maxine is plagued by panicked recollections of her traumatic past.
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Judge Reinhold is in a truck barreling down the highway chased by angry cops when he turns to Eddie Murphy at the wheel and says something we're all feeling, "God, I missed you, Axel.". We all really did, but we get the sarcastic and sweet Axel Foley once again in Netflix's "Beverly Hills Cop: Axel F," exactly 30 years since "1994's Beverly Hills Cop III."
4 major takeaways from this historic Supreme Court term 03:35. Washington — It was one of the most momentous Supreme Court terms in decades, resulting in a flurry of blockbuster decisions on ...
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