Marcus by Goldman Sachs vs Discover Bank
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Learn More | Visit Site | |
Marcus by Goldman Sachs | Discover Bank | |
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Marcus Online Savings - Earn 3.65% APY - | Discover® Online Savings - $200 Cash Bonus - | |
Benefits and Features | ||
Savings | 3.65% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement. | |
CD | 3.75% to 4.20% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.10%. $500 minimum to open. No monthly service fee. | 2.00% to 4.00% APY depending on terms |
Checking | Cashback Debit Account: 1% cash back on up to $3,000 in debit card purchases each month. See website for details | |
Money Market | 3.40% APY under $100,000; 3.45% APY $100,000 or more. | |
Mobile App | ||
ATMs | ||
Customer Service | Mon - Sat: 8 am - 10 pm ET Sat - Sun: 9 am - 7 pm ET | |
IRA CD | 9-month CD APY of 4.00%. 12-month CD APY of 4.00%. 18-month CD APY of 3.80%. 24-month CD APY of 3.80%. 5-year CD APY of 3.50%. | |
Locations | ||
CreditDonkey® Reviews | ||
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Checking | ![]() ![]() ![]() ![]() ![]() | |
Money Market | ![]() ![]() ![]() ![]() ![]() | |
Mobile App | ![]() ![]() ![]() ![]() ![]() | |
Customer Service | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
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Bottom Line | | Solid online bank with high APY rates and good customer service... |
Learn More | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Marcus: Information including rates, fees, terms, and benefits was obtained on June 3, 2025 from published websites and is believed to be accurate, but not guaranteed. Discover Bank: Pricing information and data points from published website as of 06/26/2025. |
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
Discover® Online Savings - $150 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
Online Savings Account - Earn 3.50% APY
- No fees
- No minimum opening deposit
- No minimum balance required