Marcus review

What Marcus offers.

Marcus by Goldman Sachs offers online savings and CDs but no checking account. Compare it with other savings products on rate, access, and transfer speed.

Our ranking

#2 of 5 in Banks

Service type

Savings

Best for

Savings without the checking

Pricing

Check current terms with the company

Website

marcus.com

Last reviewed

October 2026

Marcus pros and cons

Marcus costs, terms, and who qualifies

A high-yield savings account won't pay your rent. Write down what you need, such as cash deposits, bill pay, a debit card, or a branch, and compare checking against checking and savings against savings.

Before you commit to Marcus, ask for today’s terms in writing for the exact product or service you want. Pin down every one-time and recurring charge, who qualifies, which states are covered, and how you cancel or get out.

Who Marcus is for

Marcus belongs on your list if you’re looking at savings. Start with the fit above, then put its written terms next to the other companies in this category before you commit.

When someone else may be the better pick

Minimum balance rules, monthly charges, out-of-network ATM fees, and transfer limits add up. A one-time sign-up bonus rarely beats an account that costs nothing to run year after year.

You'll still need a checking account somewhere else. If that doesn’t suit you, look at the alternatives below before you go any further.

What to ask Marcus

1. What fees could I pay in a normal month?
2. Can I deposit cash and use a nearby ATM for free?
3. Which bank legally holds my deposits?
4. Can I get the full agreement and today’s terms in writing?

How we reviewed Marcus

We keep what a company says about itself separate from what we could verify. A company only gets a score once we’ve confirmed its identity, current terms, and real costs and run it through the category’s research process. Until then, no number.