Established in 1985, Discover Financial Services is a leading American direct bank and electronic payment services company. It offers a wide range of direct banking services, including personal loans, private student loans, home equity loans, money market accounts and certificates of deposit. Discover manages PULSE, one of the largest American ATM/debit networks, as well as Diners Club International, an international payment network that is accepted in 185 countries across the world. The company was the first to introduce cards with cash rewards and 24/7 customer support. Included to the S&P 500 index, the Discover Financial Services share price is set and traded on the NYSE.