Marcus

About Marcus Marcus is the consumer banking division of Goldman Sachs Bank USA, launched in 2016, offering FDIC-insured high-yield savings accounts, certificates of deposit (CDs), and no-fee personal loans entirely online.

Unlike traditional banks, Marcus operates without physical branches, passing cost savings directly to customers through consistently above-average APYs, zero monthly fees, and no minimum deposit requirements for its Online Savings Account.

The platform provides four CD types — High-Yield, No-Penalty, Rate Bump, and standard — enabling flexible, goal-based savings strategies for individuals across the United States and United Kingdom.

Backed by over 150 years of Goldman Sachs financial expertise, Marcus combines institutional-grade compliance, AES-256 encryption, and FDIC insurance up to $250,000 with a frictionless mobile-first experience rated 4.9/5 on the App Store.

Marcus integrates directly with external bank accounts via ACH transfer, supports same-day high-amount transfers, and provides real-time balance tracking, rate calculators, and automated interest compounding — all in one streamlined digital interface.

For savers seeking transparent, high-yield alternatives to traditional checking-account interest rates, Marcus delivers an institutional-caliber deposit platform with consumer-friendly simplicity and zero hidden fees.

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