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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.

4.50%

Marcus Online Savings - Earn 4.50% APY

No minimum deposit

5.50%

12-Month High-Yield CD - Earn 5.50% APY

$500 Minimum Balance

5.30%

9-Month High-Yield CD - 5.30% APY

5.25%

18-Month High-Yield CD - 5.25% APY

$500 Minimum Balance

4.85%

2-Year High-Yield CD - Earn 4.85% APY

4.70%

13-Month No-Penalty CD - Earn 4.70% APY

No early withdrawal penalty

Compare No Penalty CD Promotion:
4.40%

3-Year High-Yield CD - Earn 4.40% APY

4.10%

5-Year High-Yield CD - Earn 4.10% APY

High Yield CD

CD TermAPY
6 Months5.25%
9 Months5.30%
12 Months5.50%
18 Months5.25%
2 Years4.85%
3 Years4.40%
4 Years4.20%
5 Years4.10%
6 Years4.00%

No-Penalty CD

  • Minimum of $500 to earn interest
  • Full balance can be withdrawn starting 7 days after funding the account
TermAPY
7-month0.45%
11-month0.35%
13-month4.70%

Rate Bump CD

TermAPY
20-month4.50%

High-Yield Savings Premier - 5.36% APY

High-Yield Savings Premier - 5.36% APY

  • No account activity or maintenance fees
  • $500 minimum opening deposit
  • FDIC insured
5.36% annual percentage yield (APY) is accurate as of 1/17/2024 and subject to change at the Bank's discretion. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Member FDIC
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.05% APY

  • 5.05% 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
Discover Bank
Member FDIC

Online Savings Account - Earn 4.30% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required
Chase
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 4/17/2024
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Bank of America
Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

Expires 5/31/2024
  • The $200 bonus offer 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 5/31/2024.
  • To qualify, open a Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new account within 90 days of opening.
  • Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • Bank of America, N.A. Member FDIC.

Marcus Trending Offers

Yesterday18-Month High-Yield CD - 5.25% APY selected by a visitor from Illinois
2 days ago12-Month High-Yield CD - Earn 5.50% APY selected by a visitor from Tennessee
16 days ago13-Month No-Penalty CD - Earn 4.70% APY selected by a visitor from New York
18 days ago3-Year High-Yield CD - Earn 4.40% APY selected by a visitor
24 days agoHigh Yield CD selected by a visitor

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

Information including rates, fees, terms, and benefits was obtained on December 26, 2023 from published websites and is believed to be accurate, but not guaranteed.

 

Marcus by Goldman Sachs

Ally Bank

 

Benefits and Features

Savings4.50% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.
4.35% APY
CD4.00% to 5.50% APY. Terms of 6 months to 6 years. 12-month CD APY of 5.50%. $500 minimum to open. No monthly service fee.3.00% to 4.65% APY. Terms of 3 months to 5 years. 12-month CD APY of 4.65%
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
4.40% APY
Mobile App
iOS & Android
iOS & Android
ATMs
None
Over 43,000 no-fee Allpoint 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 26, 2023 from published websites and is believed to be accurate, but not guaranteed.

Ally Bank: Pricing information from published website as of 03/01/2024.

4-Year High-Yield CD - 4.20% APY


Marcus Alternatives

CIT Bank
Member FDIC

CIT Bank Savings Connect - 4.65% APY

  • Earn 11x the national average
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Discover Bank
Member FDIC

Online Checking Account - Earn Cash Back

  • 1% cash back on up to $3,000 in debit card purchases each month. See website for details
  • No fees
  • Early Pay - Get your paycheck up to two days early with no charge
  • No credit impact - You can apply without affecting your credit score.
  • Access to over 60,000 no-fee ATMs in the U.S.
Chase
Member FDIC

Chase Secure Banking℠ - $100 Bonus

Expires 4/17/2024
  • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
  • Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
  • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
  • Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
  • Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
  • JPMorgan Chase Bank, N.A. Member FDIC.
  • Pay bills, cash checks and send or receive money with Zelle® all for a $4.95 monthly service fee.
  • Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
Bank of America
Member FDIC

Bank of America Business Advantage Checking Account - $200 Bonus Offer

Expires 6/30/2024
Earn a cash bonus in three steps:
  1. Open a new eligible business checking account by June 30, 2024
  2. Make Qualifying Deposits* of $5,000 or more in new money within 30 days of opening the new eligible business checking account
  3. Maintain an average balance of $5,000 for the next 60 days (day 31-90) during the maintenance period**
*Qualifying Deposits are deposits of new money, which is money not currently or previously held in any account at Bank of America or Merrill
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Member FDIC
Citibank
Member FDIC

Enhanced Direct Deposit - Earn $300 Cash Bonus

Earn $300 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Member FDIC

  • Open a new eligible Citi Checking account with Enhanced Direct Deposits
  • Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening.
  • Your total combined Enhanced Direct Deposit must equal $1,500 or more.
  • Earn a $300 cash bonus. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.

Articles on Marcus by Goldman Sachs

GS Bank Review

Marcus by Goldman Sachs offers savings accounts and CDs at high interest rates. But don't expect accounts with a lot of bells and whistles. Read on for the pros and cons.

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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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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