Accessing Your Money

Electronic Fund Transfer

Online

You can schedule an electronic fund transfer (ACH transfer) 24/7 online or call us toll-free at: 1-855-730-SAVE (1-855-730-7283) Monday to Friday from 8 am – 12 am E.T. to access your account. Outside US, call us at 1-319-841-5200. Transfers requested after 6 pm E.T. or on a non-business day will not be processed until the next business day.

To get started you’ll need to link your external bank account. You’ll need a bank account in your name and owned by you (individually or jointly). You must have full right to the funds, the account must not be a business account, and your bank must be located in the U.S., U.S. territories of U.S. Virgin Islands or American Samoa, or in/on a U.S. military base or U.S. embassy.  

You can choose to link your external account either by providing an external bank account number and routing number or by logging in to your external account.

Use your routing and account numbers

You can find these details at the bottom of your check, on a bank statement or within your external bank’s online banking website.

We’ll use your routing and account numbers to confirm you have access to the external account.

Log in to your external bank

Choosing this option may speed up the time it takes to link your account and transfer your funds.

When you log in to your external account, we confirm that your external bank's username and password can access your external account.

Trial deposits

If neither of the above methods is successful, you may be able to link your external account by verifying trial deposits.

We’ll make two small trial deposits into your external bank account (such as $0.01 and $0.06).

Check your external account to verify the deposits are there. You’ll see them as credits.

Log in to your savings account at Marcus.com and enter the trial deposit amounts within 14 days.

Automatic Transfers

Reach your savings goals sooner by setting up recurring deposits. We’ll automatically transfer funds from your linked accounts and deposit into your Marcus savings account. Just select the frequency and timing for your deposits, and you’re on your way.

By Phone

You can check balances anytime with our 24/7 automated banking system.

You can also call us Monday to Friday, 8 am - 12 am E.T., and we’ll be happy to assist you with an electronic fund transfer to your linked account at an external bank.

Toll-free for U.S. calls only

1-855-730-SAVE (7283)

For calls from outside the U.S.

1-319-841-5200

Wire Transfer

Wire transfers let you send money between your Marcus savings account and accounts you own at external banks in the U.S., U.S. territories of U.S. Virgin Islands or American Samoa, or in/on a U.S. military base or U.S. embassy.

Here’s what you need to know about wire transfers

To send a wire transfer, please call us toll-free at 1-855-730-SAVE (7283), Monday to Friday, 8 am -12 am E.T. Wire transfer requests made after 4 pm E.T. or on a non-business day will not be processed until the next business day.

Please have your Marcus savings account and external bank account information available.

Wire transfers are subject to our wire transfer security procedures.

Deposit by Check

You can also deposit into your Marcus savings account by check. Please make the check payable to your name (make sure the name is the same as on the account) or Goldman Sachs Bank USA. Please endorse the back of any check with the words “For Deposit Only” and include your Marcus savings account number.

Please mail checks to

Goldman Sachs Bank USA
P.O. Box 4571
Carol Stream, IL 60197-4571

Check requirements

Your deposit may be returned if certain requirements are not met, such as:

  • The check is not endorsed, or is endorsed improperly.
  • You or Goldman Sachs Bank USA is not the payee on the check.
  • You don’t provide us with the correct account number for the Marcus savings account into which you want the check deposited.

Additionally, we don’t accept the following types of items for deposit:

  • Money orders
  • Third-party checks (checks made payable to someone other than you)
  • Starter checks
  • Temporary checks
  • Double-endorsed checks (checks with more than one endorsement)
  • Checks older than six months
  • Postdated checks
  • Foreign checks
  • Incomplete checks
  • Traveler’s checks
  • Counter checks
  • Checks with restrictive legends
  • Other types of items that we have determined not to accept

From an External Bank

You may deposit funds into or withdraw funds from your Marcus savings account by having an external bank (directly or through a third party) initiate an electronic fund transfer into or from your Marcus savings account. You may also deposit funds into your Marcus savings account from an account you own at an external bank by having the external bank send a wire transfer to your Marcus savings account.

Direct Deposits

You can direct deposit funds, such as all or a portion of your payroll or Social Security Benefits, directly into your Marcus savings account.

Payroll – Simply provide your employer with the Goldman Sachs Bank USA routing number (1240-8526-0) and your Marcus savings account number, and authorize the deposit of funds directly into your Marcus savings account.

Social Security Benefits – You can go to the Social Security Administration website at www.ssa.gov to set up your direct deposits.