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Marcus by Goldman Sachs Promotions

Read our in-depth review of Marcus.

If you're looking for bank promotions, you must check out these offers.

3.65%

Marcus Online Savings - Earn 3.65% APY

No minimum deposit

4.05%

6-Month High-Yield CD - 4.05% APY

4.00%

12-Month High-Yield CD - 4.00% APY

$500 Minimum Balance

4.00%

18-Month High-Yield CD - 4.00% APY

$500 Minimum Balance

4.00%

9-Month High-Yield CD - 4.00% APY

3.95%

13-Month No-Penalty CD - Earn 3.95% APY

No early withdrawal penalty

3.95%

2-Year High-Yield CD - 3.95% APY

3.90%

3-Year High-Yield CD - 3.90% APY

3.90%

5-Year High-Yield CD - 3.90% APY

3.90%

6-Year High-Yield CD - 3.90% APY

3.85%

4-Year High-Yield CD - 3.85% APY

High Yield CD

CD TermAPY
6 Months4.05%
9 Months4.00%
12 Months4.00%
18 Months4.00%
2 Years3.95%
3 Years3.90%
4 Years3.85%
5 Years3.90%
6 Years3.90%

Rate Bump CD

TermAPY
20-month3.90%

No-Penalty CD

  • Minimum of $500 to earn interest
  • Full balance can be withdrawn starting 7 days after funding the account
TermAPY
7-month3.90%
11-month3.95%
13-month3.95%
CIT Bank
Member FDIC

CIT Bank Platinum Savings - $300 Bonus

Expires in 4 days
  • Qualify for a $300 cash bonus with a minimum deposit of $50,000
  • This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
Overview
Disclosures
Bank of America
Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

Expires 1/31/2026
  • The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 1/31/2026.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
    Cash BonusTotal Qualifying Direct Deposits
    $100$2,000
    $300$5,000
    $500$10,000+
  • If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
  • Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC.
CIT Bank
Member FDIC

CIT Bank Platinum Savings - $225 Bonus

Expires in 4 days
  • Qualify for a $225 cash bonus with a minimum deposit of $25,000
  • This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
Disclosures
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 3.75% APY

  • 3.75% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Disclosures

About Marcus by Goldman Sachs

Marcus is the online bank offered by the investment giant, Goldman Sachs. It offers savings products with very competitive rates and no minimum deposit and no services fees.

Marcus by Goldman Sachs offers online savings and CDs. There are no maintenance fees on any of the deposit accounts.

What to Open at Marcus

  • Online Savings Account. Marcus offers a high competitive rate on their online savings account. There is no minimum to open or to earn the stated APY. There are no service fees.

  • Term CDs. The 12-month term CD offers one of the best rates on the market. Longer terms offer higher APYs. The minimum to open is $500. But you can continue to add funds into it for 30 days after account opening.

  • No-Penalty CD. If you're not sure about tying up your funds, Marcus offers a 13-month no-penalty CD with an excellent rate. You get the flexibility to withdraw your balance and interest earned without being penalized. The minimum to open is $500.

What You Need to Know About Marcus

In exchange for high rates, Marcus does away with a lot of features. Note that there are:

  • No mobile deposits. If you want to make a deposit, you'll have to do so either by mail or by depositing into an external account and then make a transfer online.

  • No checking accounts

  • No ATM card or ATM network

  • No physical branches

  • No mobile app

    Highlights

    Savings
    3.65% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.
    CD
    3.85% to 4.05% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.00%. $500 minimum to open. No monthly service fee.
    Checking
    N/A
    Money Market
    N/A
    Mobile App
    iOS & Android
    ATMs
    None
    Customer Service
    Mon - Sat: 8 am - 10 pm ET
    Sat - Sun: 9 am - 7 pm ET
    Locations
    Online only

Information including rates, fees, terms, and benefits was obtained on December 17, 2025 from published websites and is believed to be accurate, but not guaranteed.

 

Marcus by Goldman Sachs

Ally Bank

 

Benefits and Features

Savings3.65% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.
3.30% APY
CD3.85% to 4.05% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.00%. $500 minimum to open. No monthly service fee.3.00% to 3.75% APY. Terms of 3 months to 5 years. 12-month CD APY of 3.75%
Checking
N/A
0.10% APY for daily balances less than $15,000. 0.25% APY for daily balances over $15,000
Money Market
N/A
3.30% APY
Mobile App
iOS & Android
iOS & Android
ATMs
None
75,000+ no-fee Allpoint and MoneyPass ATMs
Customer ServiceMon - Sat: 8 am - 10 pm ET
Sat - Sun: 9 am - 7 pm ET
24/7
Locations
Online only
Online only

Marcus: Information including rates, fees, terms, and benefits was obtained on December 17, 2025 from published websites and is believed to be accurate, but not guaranteed.

Ally Bank: Pricing information from published website as of 01/17/2026.


Marcus Alternatives

CIT Bank
Member FDIC

CIT Bank Savings Connect - 3.65% APY

  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Disclosures
Bank of America
Member FDIC

Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer

Expires 12/31/2026
  • The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new eligible business checking customers only.
  • Offer expires 12/31/2026.
  • To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you are eligible for.
    Balance RequirementCash Bonus Tier
    $5,000$400
    $15,000$750
  • Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
  • After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
  • ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
  • Bank of America, N.A. Member FDIC
Wells Fargo

Wells Fargo Everyday Checking Account - $325 Bonus

Expires 4/14/2026
  • Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
  • Wells Fargo Bank, N.A. Member FDIC
U.S. Bank
Member FDIC

U.S. Bank Business Essentials - $400 Bonus

Expires 3/31/2026

Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.

Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.

New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.

Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC

Bluevine

Free Business Checking - Earn $500 Bonus

Expires 3/31/2026

To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 03/31/2026 using the referral code CD500.

After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:

  • Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
  • Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
  • Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®

Banking services provided by Coastal Community Bank, Member FDIC


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GS Bank Review

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Marcus by Goldman Sachs High Yield Savings Review

Saving up for something big? Grow your funds with Marcus Online Savings' impressive APY rate. Read on for more details.

Marcus CD Rates

Marcus has high-yield, no-penalty, and rate bump CDs. But are the rates competitive? Read on to find out.

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