Marcus by Goldman Sachs Online Savings Review

Straightforward high-yield savings from Goldman Sachs. Independent Marcus by Goldman Sachs Online Savings review: 4.4/5 for high-yield savings.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked October 21, 2026.

Our verdict

Savers who want nothing to manage get 3.50% APY on all balances at Marcus, with no fees, no minimum deposit and same-day transfers to linked banks up to daily limits. Simplicity is why it rates well and also its limit, since there's no checking option and no ATM card or network.

Skip it if you want checking and savings under one roof, or need ATM access to your savings.

About Marcus by Goldman Sachs Online Savings

Straightforward high-yield savings from Goldman Sachs. Marcus by Goldman Sachs Online Savings is offered by Goldman Sachs Bank USA. Our editorial rating is 4.4 out of 5.

Best for: Savers who value a trusted Wall Street brand.

Editorial grade: A (composite score 88/100).

Highlights

• 3.50% APY on all balances (Marcus: accurate as of October 20, 2026). No minimum deposit to open.
• No fees and no minimum deposit
• Same-day transfers to linked banks (up to daily limits)

What we like

• Backed by Goldman Sachs
• Simple, no-gimmicks savings
• Strong CD lineup alongside savings

Where it falls short

• No checking account option
• No ATM card or ATM network

Fees, minimums, and rates

Monthly fee: $0/month. Minimum to open: $0. Current APY: 3.50%. Rates and fees last checked on October 21, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Goldman Sachs Bank USA. It is built from Goldman Sachs Bank USA's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the High-Yield Savings shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

• Goldman Sachs Bank USA, FDIC certificate 33124: capital, loan quality, every office and the complaint record.

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Read our full editorial methodology for how we review products.