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Reviews / Marcus by Goldman Sachs Edition №07 · 11 March 2026 · 1,500 words

Marcus by Goldman Sachs,
reviewed.

Online-savings + CD-only product from Goldman Sachs Bank USA. No checking, no debit, no investing — purely a yield destination.

Editor
Stephan Kulik
Founded
2016
EU customers
4.0 M
min read
6 / ~1,500
Disclosure Marcus by Goldman Sachs does not pay us a referral fee. This review is purely editorial. See the methodology → marcus-by-goldman-sachs · no_commission
81/100
Marcus is a Goldman Sachs Bank USA savings desk — chartered, FDIC-insured, no checking, no card.
Rank #41 / 60US digital full-bank (savings-only)
CategoryUS digital full-bank (savings-only)
LicencePayment
Marcus by Goldman SachsEdition №07
Licence
Payment institution
OCC (Goldman Sachs Bank USA charter)
Deposit protection
USD 250,000 (FDIC)
FDIC
Customers (EU)
4.0 M
As of 2026-Q1 — // TODO(verify)
IBAN
US (USD)
USD only — savings + CDs
01
Reviews

Marcus by Goldman Sachs, in full.

What Marcus by Goldman Sachs is, in 2026

Consumer brand of Goldman Sachs Bank USA. Launched 2016. ~$100B+ in deposits across savings + CDs. Marcus Invest brokerage closed 2024 — Marcus is now savings/CDs only.

Safety and regulation

Goldman Sachs Bank USA holds the OCC national-bank charter; FDIC $250,000 per-depositor cover. Marcus deposits sit on the Goldman Sachs Bank USA balance sheet directly.

Who Marcus is for

Use Marcus if: you already have a checking account elsewhere and want headline-tier US savings APY from a chartered investment-grade bank. Use Ally Bank if you want one bank for checking + savings + brokerage.

02
Pricing

Marcus by Goldman Sachs's plans, side by side.

Online Savings
Custom /mo
Free — Goldman Sachs Bank USA
  • Free — Goldman Sachs Bank USA
03
Scorecard

How we got to 81.

81/100
Same six dimensions we apply to every neobank in the index. Weights published; unchanged within an edition.
Regulation & safetyLicence class · DGS · resilience
25%64
Pricing & feesTransparent and competitive
20%88
Hands-on UXExtended primary-account test
20%85
FeaturesVaults · stocks · crypto · insurance
15%90
App stores iOS 4.6 · Android 4.5
10% 91
04 — Verdict

The savings-only Goldman desk for US depositors.
Headline-tier APY, full-bank cover, zero distractions. No card, no checking.

Marcus is the consumer brand of Goldman Sachs Bank USA — a US national bank with full OCC charter and FDIC membership. ~4.40% APY High-Yield Online Savings, term CDs 6 months to 6 years, no fees, no minimums. FDIC $250,000 per-depositor cover, direct via Goldman Sachs Bank USA. No checking, no debit card, no card product, no FX. Marcus Invest closed in 2024. The savings-only counterpart to Ally for depositors who already have checking elsewhere and want to park cash at a chartered investment-grade bank. Goldman institutional pedigree + headline APY. Use Ally Bank instead if you want a checking account + brokerage too.

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Edition №07 · Updated 11 March 2026