See RatesSecure site · Updated July 2026
- Savings APY
- 4.40% APY
- Monthly fee
- $0
- Min. deposit
- $0
- Sign-up bonus
- Referral rate boost
Why it stands out
Marcus by Goldman Sachs highlights
- Consistently one of the highest savings rates available
- No monthly fees, no minimum deposit, no overdraft charges
- Referral program adds a rate bonus for both parties
- Backed by Goldman Sachs with FDIC insurance
The verdict at a glance
Pros and cons
Pros
- Rate reliably ranks among the best without teaser tricks
- Clean, no-clutter app focused on saving
- Same-day transfers between Marcus and linked accounts
Cons
- No checking account or debit card
- No ATM access to your cash
Our full review
Our take on Marcus by Goldman Sachs
Marcus keeps things deliberately simple: one high-yield savings account, no fees, and a rate that regularly sits near the top of the market. Refer a friend and both of you earn a temporary rate bump.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Marcus by Goldman Sachs’s own site before you apply.
The alternatives
How Marcus by Goldman Sachs compares
Other top-rated banks in Online Banking. Compare the numbers side by side before you decide.
| # | Provider | Rating | Savings APY | Best for | |
|---|---|---|---|---|---|
| 1 | Ally Bank | 4.20% APY | Everyday savers who want a full bank | See Rates | |
| 2 | SoFi | 3.80% APY | Direct-deposit users chasing a bonus | View Offer | |
| 3 | Discover Bank | 3.90% APY | Savers who value zero fees and service | See Rates | |
| 4 | Capital One 360 | 3.60% APY | People who still want a branch nearby | See Rates |
- Ally Bank4.9Best for Everyday savers who want a full bank
- SoFi4.7Best for Direct-deposit users chasing a bonus
- Discover Bank4.6Best for Savers who value zero fees and service
- Capital One 3604.4Best for People who still want a branch nearby