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Account review
Marcus Online Savings Account review
Best for: Savers who want the highest no-strings rate from a big-bank brand.
Goldman Sachs' consumer bank pays 3.50% — the highest no-hoops rate among the big bank brands here — with $0 to open, no monthly fees, and no minimum balance to earn the rate.
How we make money (or don't): BidAsk currently has no affiliate relationships
with these banks and earns no commission if you open an account — the links below go directly
to each provider's own site, except the Marcus savings link, which is a personal referral link:
if you open a Marcus Online Savings Account through it, you earn an extra 1.00% APY for 3 months
(per Marcus's referral terms) and the site's publisher earns the same rate boost on his account.
See our full disclosure.
APY
3.50%
Minimum to open
$0
Minimum to earn APY
$0
Monthly fee
$0
FDIC insured
Yes
Rate note: Annual percentage yield as of November 01, 2026 per Marcus.
Standout features
- 3.50% with zero requirements: no monthly deposits, no minimums, no fees.
- Same-login CDs (1-year at 4.40%) make rate-locking easy when you're ready.
- Clean, simple app from the Goldman Sachs consumer brand.
Honest drawbacks
- No checking account to pair it with and no ATM card — transfers only.
- Some accounts cap withdrawals/transfers at 6 per statement period.
- No physical branches.
Open an account at Marcus by Goldman Sachs →
Link goes directly to Marcus by Goldman Sachs's own site. Rates verified November 2026. Banks change APYs without notice — confirm the current rate on the provider's site before opening an account.
Sources
- Marcus high-yield savings (official) (checked Sep 2026)
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