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Marcus by Goldman Sachs

From Goldman Sachs

Best for: A strong rate with no conditions

3.50%

APY

$350

$10K earns / yr

As of · sources in Details

Four young friends, seen from behind, sit on a big driftwood log on a quiet beach, watching the sun set over the sea.

Pros

  • Highest APY on this page when we checked, with no conditions
  • No fees or minimum
  • Same-day transfers up to $100,000

Cons

  • No checking account
  • No debit or ATM card
  • No mobile check deposit, per reviewers

Who it fits

You want a strong rate on an emergency fund you rarely touch

What reviewers say

Reviewers rate Marcus's rates as competitive, with no minimum or monthly fee and 24/7 support. But there's no checking account, debit or ATM card, or mobile check deposit.

Paraphrased from Bankrate, Marcus by Goldman Sachs review.

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Details: full breakdown and sources

The numbers

APY
3.50%Marcus lists the APY as of October 14, 2026.As of · source
Minimum
$0No minimum deposit.As of · source
Monthly fees
$0No fees.As of · source

The breakdown

A savings-focused online bank from Goldman Sachs, with no fees and no minimum deposit.

Marcus pays 3.50% APY on its Online Savings Account, with no fees and no minimum deposit. Marcus says transfers of $100,000 or less to and from other banks can arrive the same day.

Marcus focuses on savings and CDs. It doesn't offer a checking account, so you'll keep everyday banking elsewhere.

Review themes, point by point

  • Reviewers rate its interest rates as competitive across its products, with low balance requirements for CDs.
  • No minimum balance or monthly service fee on savings, and 24/7 customer service.
  • The product range is small, with no checking account.
  • There's no debit or ATM card and no mobile check deposit, so getting to your money takes a transfer.

Reviews reflect each publisher's view on the day they wrote it.

All pros

  • Highest APY on this page when we checked, with no conditions
  • No fees or minimum
  • Same-day transfers up to $100,000

All cons

  • No checking account
  • No debit or ATM card
  • No mobile check deposit, per reviewers

Might fit if

  • You want a strong rate on an emergency fund you rarely touch

Maybe look elsewhere if:

  • You'd like checking and savings at the same bank