Frequently Asked Questions

Online
You can access your Marcus account at Marcus.com.  Log in with your email address and password.

24/7 Automated Phone System     
Our automated phone system at 1-855-730-SAVE (1-855-730-7283) lets you check your balance, transfer funds, change or add beneficiaries and more. You will need your 4-digit banking PIN to access your account.

Live Customer Support
Please call us toll-free at 1-855-730-SAVE (1-855-730-7283), Monday to Friday from 8 am – 10 pm E.T. and Saturday to Sunday from 9 am – 7 pm E.T. Or, if you are outside of the United States, call us at 1-212-357-0026.

Our Chat function allows you to communicate directly with a Savings Specialist. The Chat button appears when you are logged in to Marcus.com and only when Savings Specialists are available to chat with you. The hours for Chat are the same as our telephone hours – Monday to Friday from 8 am – 10 pm E.T and Saturday to Sunday from 9 am – 7 pm E.T. If you don’t see the Chat button when you’re logged in, that means our Savings Specialists are busy or unavailable. When that happens, we encourage you to call us (during regular business hours), or try to Chat again later.

Log in to your account at Marcus.com to:

• Check balances
• Open a new account
• Track your recent transactions and deposits
• Download and print statements
• Transfer money online securely
• Add beneficiaries
• Download your 1099-INT tax form
• Manage your account profile and preferences, including mailing address, email address, password and more

Yes. Marcus savings accounts are provided by Goldman Sachs Bank USA. Goldman Sachs Bank USA is an FDIC member, which means that funds deposited in Marcus savings accounts are insured up to the maximum allowed by law, which is currently $250,000 for all your individually-owned accounts combined, $250,000 per owner for all your jointly-owned accounts, and $250,000 per beneficiary for accounts with payable-on-death (POD) designations.

Our customers are not required to apply for or request coverage. However, to ensure your funds are fully protected, it’s important to understand account ownership types and your deposit insurance limits. Click here for more details about FDIC insurance coverage, how it works and ways you could maximize your coverage.

We will send your 1099-INT tax forms by January 31. The forms will be mailed to the primary account owner’s mailing address. You can also download your 1099-INT form by logging in to your account and selecting 'View Statements'..

Your 1099-INT form will be available for download by January 31 as well. Contact us if you do not receive your 1099-INT by February 15.

Our Business Days are Monday through Friday excluding standard holidays observed by the Federal Reserve System. Wire transfer requests made after 4 pm ET on a Business Day or on a non-Business Day, or ACH transfer requests made after 6 pm ET on a Business Day or on a non-Business Day, shall be considered received on the next Business Day.

All account owners – including joint account owners – are required to complete a Signature Card for each account opened. Depending on how you open your account, you may complete an electronic Signature Card on our website or you may complete a paper Signature Card that we have mailed to you and that you will need to mail back to us. If you do not complete a Signature Card within a specified period of time, we may elect to close your account. Additionally, if a Signature Card is not received for the required owner, we are required by law to withhold a percentage of the taxable interest paid on the account. Also, if you do not return your Signature Card, you may not be eligible for the maximum amount of FDIC insurance.

Log in and navigate to your Account Detail page. At the top of the page, you’ll see ‘Account number:’ Select ‘View details’ to reveal your full account number and our routing number. You can also find your account number on your monthly account statement.

Online Savings Account rates
Certificate of Deposit rates
No-Penalty CD rates

Yes, loan customers can apply for an online savings account and/or certificate of deposit account.

Please visit the FDIC website (www.fdic.gov) to obtain Goldman Sachs USA’s financial information. The FDIC Number is 33124.

A “Power of Attorney” is a legal document that gives someone, known as an “attorney-in-fact,” the power to take certain actions on your behalf. We will not allow an attorney-in-fact to open an account on your behalf. After you have opened an account, at our discretion and subject to applicable law, upon submission of a Power of Attorney, we may grant an attorney-in-fact access to your account on your behalf. 

At this time, we do not offer a debit card or ATM card for Marcus savings accounts. You can access the funds in your account by sending an ACH Transfer to your account at another bank or by sending a wire transfer.

During a time of loss, we’re here to help you with information you need and important steps you should take when an account owner passes away. We’ll require an original or certified copy of the death certificate as well as a letter of intent before any action can be taken. We’ll also need additional documentation depending on whether the account is an individual or joint account, and whether the original account owner(s) designated any beneficiaries before passing away.

Individual Account with No Beneficiaries. The account will need to be closed. We’ll need a certified or original copy of a document appointing an executor (a person typically appointed by a will or court to handle the affairs of the deceased) and a signed letter instructing us where to send the funds in the account. Once we receive the required documents, we’ll contact the executor if we have any questions.

Joint Account with No Beneficiaries. If the deceased account owner is the primary account owner, the account will need to be closed. If the deceased account owner is not the primary account owner, we can either close the account or transfer the account to the surviving joint owner(s). We’ll need a signed letter from the surviving joint owner(s) instructing us what to do with the account.

Information for Beneficiaries. If you’re a beneficiary on an account and each of the account owner(s) is deceased, we’ll need you to send us a completed Affidavit of Identity and Form W-9.

Requirements for Deceased Account Owners who are New Jersey Residents. If the deceased account holder is a New Jersey resident, we must also receive a completed Form L-8 (Affidavit for Non-Real Estate Investments; Resident Decedents) before we can disburse any funds. If you have questions regarding the New Jersey Tax Form or if you feel the Form L-8 does not apply to you, please consult your tax professional or the New Jersey Division of Taxation.

Unfortunately, we’re not able to receive letters or documents regarding a deceased account holder via email. Please send all documents via US mail to:

Goldman Sachs Bank USA
PO Box 1978
Cranberry Twp., PA 16066

Please call us if you have any questions about the documents required for a deceased depositor.

Interest is compounded daily and credited monthly to your account. Interest is calculated using the daily balance method. This method applies a daily periodic rate to the principal and interest that has accrued in the Account each day. This means that the interest from your Account is calculated every day on a 365-day year/ 366-day for leap years.

The Referral Bonus allows existing and new Marcus customers to earn an Annual Percentage Yield (APY) that is 0.20% higher than the stated APY available at www.marcus.com on all of their Marcus Online Savings Account(s) for a period of 3 months. Log in and select Marcus Referred in the menu for details, terms and conditions.

There are four ways you can add money to your account:

#1 Transfer funds between your Marcus savings accounts and a linked external bank account. Marcus will complete transfers of $100,000 or less made through Marcus by 12 pm ET on a business day, by 5 pm ET that day. For incoming transfers, Marcus will post funds to your account and you’ll start earning interest on the day they’re received, but those funds will remain subject to Marcus’ funds availability rules.

#2 Make direct deposit payments (Online Savings Accounts only). You can deposit all or part of your payroll or Social Security directly into your Marcus Online Savings Account. For payroll, simply provide your employer with the Goldman Sachs Bank USA Routing Transit number (1240-8526-0) and your Online Savings Account number to enable your employer to deposit funds directly into your account. For Social Security benefits, you can go to www.ssa.gov to schedule your direct deposit.

#3 Send a check by US mail (please don’t send cash).
Mail check to:
Goldman Sachs Bank USA
P.O. Box 4571
Carol Stream, IL 60197-4571

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 account number.

#4 Send a domestic wire transfer from another bank. You will need to provide the Goldman Sachs Bank USA Routing Transit Number and your account number.  

Routing Transit Number (RTN): 1240-8526-0
Wire Transfer Address:
Goldman Sachs Bank USA
11850 South Election Road
Draper, Utah 84020

Checks for deposit must be from a personal account on which you are an owner. Make the check payable to Goldman Sachs Bank USA or to you. Endorse the back of your check “For Deposit Only” and include your correct account number on the check.

• You may not deposit the following types of items:
• Checks from a business or trust account
• 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 (6) months
• Postdated checks
• Foreign checks
• Incomplete checks
• Traveler’s checks
• Counter checks
• Checks with restrictive legends

Other items that we have from time to time, in our sole discretion, determined not to accept.

Please see our Deposit Account Agreement for additional information regarding check and other types of deposits. 

There are several ways you can withdraw money from your Marcus Online Savings Account:

#1 ACH Transfer Initiated by us with a Linked External Account: You may withdraw funds from your Marcus Savings account by going to our website (subject to certain transfer limits) or calling us to initiate an ACH Transfer into a linked account at an external bank.  We do not accept requests made through email, secure message, or mail to initiate ACH Transfers. Marcus will complete transfers of $100,000 or less made through Marcus by 12 pm ET on a business day, by 5 pm ET that day. (Check with your external bank regarding when your transferred funds will become available.)

#2 ACH Transfer Initiated by an External Bank or Through a Third Party: You may withdraw funds from your Marcus  account by having an external bank (directly or through a third party) initiate an ACH Transfer from your Marcus account.

#3 Wire Transfer:  You may withdraw funds from your Marcus savings account by calling Customer Service to initiate a free wire transfer from your Marcus Savings account to an account you own at an external bank. You may also have the option to send a wire transfer from your Marcus savings account online, up to $10,000 total per statement period.  For wire transfers initiated at your external bank, you will need to provide the Goldman Sachs Bank USA Routing Transit Number, the wire transfer address and your Marcus account number. (Keep in mind that while Marcus doesn’t charge any fees for wire transfers, your external financial institution may charge a fee for wires into and out of your account.)

Routing Transit Number (RTN): 1240-8526-0     

Wire Transfer Address:
Goldman Sachs Bank USA
11850 South Election Road
Draper, Utah 84020          

#4 Request a Check: If you’d like to a request a withdrawal by check, please give us a call at 1-855-730-SAVE (1-855-730-7283). We will send a check, payable to the account owner only, to the primary address associated with your account. 

Log in and select 'My account > External Accounts,' then click 'Add Account'

Choose one of the options below to link your account at another bank and verify that you have access to the account. Please note: The account must be in your name and must be owned by you (individually or jointly). In addition, you must have full right to the funds, the account must not be a business account, and your bank must be located in the US.

Option #1 – Instantly link with your login information

Instant linking lets you connect in seconds. Here’s how it works:

#1 Enter the name of your external bank and provide your login information for that bank.

#2 Our secure process uses your login information to confirm that you’re the owner of the account.

#3 We will not save or share your external account information.

Option #2 – manually link with trial deposits 

Manual linking with trial deposits can take up to three business days. Here’s how it works:

#1 Enter your external bank's routing number and account number.

#2 In 2-3 business days, Goldman Sachs Bank USA will make two small deposits (for example, $0.23 and $0.17 – your amounts may be different) into your external bank account. We’ll send you an email when the trial deposits have been deposited.

#3 Log in to your external bank’s website or app (or call your external bank). Please allow up to 3 business days.

#4 View your external bank account’s activity or transaction history and locate the two small deposits from Goldman Sachs Bank USA. Make a note of the amounts.

#5 Come back to marcus.com, log in and select 'My account > External Accounts.' Please do this within 15 days from when you provided your account information. If your trial deposits expire, you’ll need to start the linking process over. 

#6 Click 'Verify trial deposit' alongside your pending external bank account

#7 Enter the two trial deposit amounts you noted from your external bank account. (You can enter them in any order, but be sure to enter the numbers exactly as they appear in your transaction history.) 

#8 Click 'Submit' and your new account will be linked. 

The linking process is secure and Marcus will never share your external bank information. Give us a call if you have any difficulties linking your external account using trial deposits.

Trial deposits are one way we can link your account at another bank and verify that you have access to that account. (The other option is Instant linking. See the FAQ “How do I link an external account?” for instructions.) Manual linking with trial deposits can take up to three business days. Here’s how to link an account using trial deposits:

1.    Log in and select ‘My account > External Accounts,” then click ‘Add Account’

2.    Enter your external bank's routing number and account number.

3.    In 2-3 business days, Goldman Sachs Bank USA will make two small deposits (for example, $0.23 and $0.17 – your amounts may be different) into your external bank account. We’ll send you an email when the trial deposits have been deposited.

4.    Log in to your external bank’s website or app (or call your external bank). Please allow up to 3 business days.

5.    View your external bank account’s activity or transaction history and locate the two small deposits from Goldman Sachs Bank USA. Make a note of the amounts.

6.    Come back to marcus.com, log in and select ‘My account > External Accounts.’ Please do this within 14 days or your Trial Deposits will expire and you’ll need to start over.

7.    Click ‘Verify trial deposit’ alongside your pending external bank account

8.    Enter the two trial deposit amounts you noted from your external bank account. (You can enter them in any order, but be sure to enter the numbers exactly as they appear in your transaction history.)

9.    Click ‘Submit’ and your new account will be linked.

Give us a call if you have any difficulties linking your external account using trial deposits.

 

Customer Deposit Limits
The maximum amount on deposit for all of your individual and joint deposit accounts combined may not exceed $3,000,000 per account owner, with a $1,000,000 per account maximum.

Calculation of Limits         
For purposes of calculating the maximum aggregate deposit balance permissible for each Account Owner and in each account, deposit balances include the principal deposited in all accounts (i.e., Online Savings and CD accounts) held by the same account owner but do not include interest earned and credited but not withdrawn. With respect to joint accounts, for purposes of determining the maximum deposit balance permissible per account owner, each joint Account owner will be attributed an equal portion of the balance of the joint account.

Return of Funds: In the event that the account balances exceed the applicable maximum aggregate limits by greater than or equal to $1,500 (or such lesser amount as we determine in our sole discretion), the account owner authorizes us to return the full excess deposit balances to the account owner(s).

See the Deposit Account Agreement for details about Customer Deposit Limits.

Our free tracker makes it easy to follow transfers whenever you set them up from within your Marcus account.

Here’s how it works:

1. You schedule the transfer
2. We create the tracker
3. We add a “track my transfer” link to your dashboard

You’ll see information including the date it’s scheduled for and when we expect your funds to arrive. The link will disappear three days after we expect the transfer to be completed, but the transfer will appear in your transaction history.

Due to a change in federal law, you are now free to make more than six withdrawals or transfers from your Online Savings Account in a monthly statement period. At this time, there is no limit to the number of withdrawals or transfers you can make.

Yes. Reach your savings goals sooner by setting up recurring deposits. Log in to your account to select the frequency and timing for your deposits, and you’re on your way.

We do not charge fees for sending or receiving wire transfers or bank transfers; however, your bank account or other third parties may charge fees for sending or receiving transfers to your Marcus account.

Log in to your account and schedule transfers to or from an external linked account at your convenience—holidays and weekends included. However, transfers will not be processed until the next available business day. 

No, at this time we do not transfer funds internationally. You may only transfer funds to banks located in the U.S., in certain U.S. territories (U.S. Virgin Islands and American Samoa), or in/on a U.S. military base or diplomatic facility.

At Marcus, we take your security seriously. When you request a wire transfer or set up a linked account to electronically transfer money, we may take certain steps to confirm your access to the external account to which you have requested your money be sent, or call you back to confirm the transfer is authorized. If we are unable to complete the required steps, we will not be able to complete your transfer. 

Delayed Availability
We may delay the availability of funds from your check deposits and certain other types of deposits for all accounts. During the delay, even though you may not withdraw funds and may not use the funds, in accordance with the provisions of the Deposit Account Agreement, interest will be paid on deposits we receive.

If we receive a deposit before 5 pm C.T. on a Business Day, we will consider that Business Day to be the day of your deposit. If we receive a deposit after 5 pm C.T. or on a non-Business Day, we will consider that the deposit was made on the next Business Day.

ACH Transfers
Funds from ACH Transfers that you have initiated through us from a linked external account will generally be available on the third Business Day after the day the ACH Transfer is deemed received by us. Funds from ACH Transfers to your account that you initiated through another bank will generally be available on the next Business Day after the day the ACH Transfer is deemed to be received by us, but may be available earlier, depending on the type of ACH Transfer.

Wire Transfers
Funds from wire transfers to your account that you initiate through another bank will be available on the Business Day we receive the deposit.

Internal Transfers between Marcus Savings Accounts
When you transfer funds from one of your accounts at Marcus to another of your accounts at Marcus on a Business Day, the funds will be available immediately.

 

Check Deposits 

Special Checks: For US Treasury checks or other government checks, and certified, teller and cashier’s checks, up to $5,000 will be available the next Business Day after the day of your deposit and the remainder will be available on the sixth Business Day after the day of your deposit, unless an exception applies.

Other Checks: For all types of checks other than Special Checks, up to $200 will be available the next Business Day after the day of your deposit and the remainder, up to $5,000, will be available the second Business Day after the day of your deposit, unless an exception applies or you are a “New Customer” (see below for special rules for New Customers).

Exceptions: Funds you deposit by check may be delayed for a longer period if:

• You deposit a single or multiple checks totaling more than $5,000 on any one day
• You redeposit a check that has been returned unpaid
• We believe a check you deposit will not be paid
• There is an emergency, such as failure of computer or communications equipment

We will notify you if we delay your ability to withdraw funds for any of the above reasons and we will tell you when the funds will be available. Funds will generally be available no later than the sixth Business Day after the day of your deposit.

Special Rules for New Customers
You are generally considered a New Customer during the first 30 days after you open your first account. For New Customers depositing all types of checks other than Special Checks, up to $200 will be available the next Business Day after the day of deposit, and the remainder will be available on the sixth Business Day after the day of your deposit, unless an exception applies.

Some online transfers may be sent via wire transfer. If the service is available, you’ll see the option when you choose ‘Transfer.’ If this option is available to you, you’ll be able to send a total of $10,000 via online wire transfers during each statement period. If you want to send more than $10,000 via wire transfer in a statement period, or if the wire transfer option is not available to you online, just give us a call and we can schedule a free wire transfer for you by phone. (Keep in mind that while Marcus doesn’t charge any fees for wire transfers, your external financial institution may charge a fee for wires into and out of your account.)

A wire transfer request received online or by telephone before 4 pm ET should be processed within one hour. If the request is received outside of business hours, the wire transfer will be processed the next business day.

For all wire transfers, funds may take longer to arrive at your external bank. If you have questions about the status of a wire transfer you requested, you can give us a call at 1-855-730-SAVE (1-855-730-7283) or call your external bank.

	Online  or Telephone (ACH) Transfer	Wire Transfer
Request by (for same Business Day processing)	6 pm ET	4 pm ET
Delivery time	1-3 Business Days	As fast as 1 Hour
Fee from Marcus	None	None
Fee from external bank	Typically none.  Check with external bank	Possible. Check with external bank
Transfer type	Incoming or Outgoing	Outgoing Only
Amount Limit	Request Online: Up to $125,000 per transfer Request by Phone: No limit	Request Online: Up to $10,000 per statement period Request by Phone: No limit

At this time, we are only able to send wire transfer requests to an account that you own at another bank. We are not able to send or make payments to a third party. Wire transfers requested online may only be sent to your previously-linked external account.

When you schedule a transfer of $100,000 or less through Marcus by 12 pm ET on a business day, Marcus will complete the transfer by 5 pm ET that day. For outgoing transfers, check with your external bank regarding availability of funds sent by Marcus. For incoming transfers, Marcus will post funds to your account and you’ll start earning interest on the day they’re received, but those funds will remain subject to Marcus’ funds availability rules.

No, there is no minimum deposit to open an Online Savings Account. However, if you fail to fund your account within 60 days of account opening, we may close your account.

We do not charge fees for transfers to or from your Online Savings Account. However, your external financial institution may charge you a fee

Due to a change in federal law, you are now free to make more than six withdrawals or transfers from your Online Savings Account in a monthly statement period. At this time, there is no limit to the number of withdrawals or transfers you can make.

There is an outgoing ACH transfer limit of $125,000 per ACH transfer when the transfer is initiated online. If you need to withdraw more than $125,000, please call us toll-free at 1-855-730-SAVE (1-855-730-7283), Monday to Friday from 8 am – 10 pm E.T. and Saturday to Sunday from 9 am – 7 pm ET.

Customer Deposit Limits
The maximum amount on deposit for all of your individual and joint deposit accounts combined may not exceed $3,000,000 per account owner, with a $1,000,000 per account maximum.

Calculation of Limits
For purposes of calculating the maximum aggregate deposit balance permissible for each New Account Owner and in each account, deposit balances include the principal deposited in all accounts (i.e., Online Savings and CD accounts) held by the same account owner but do not include interest earned and credited but not withdrawn. With respect to joint Accounts, for purposes of determining the maximum deposit balance permissible per Account owner, each joint Account owner will be attributed an equal portion of the balance of the joint Account.

Return of Funds: In the event that the account balances exceed the applicable maximum aggregate limits by greater than or equal to $1,500 (or such lesser amount as we determine in our sole discretion), the account owner authorizes us to return the full excess deposit balances to the account owner(s).

See the Deposit Account Agreement for details about Customer Deposit Limits.

You will start to earn interest on the business day we receive your deposit.

To close your Online Savings Account, go to your Account Detail page, click on the three dots menu in the upper right and select ‘Close this account’. You’ll be asked to choose an account to transfer your balance to (another Marcus account or your linked account at another bank). If you’d like to transfer to multiple accounts, or if you’d like us to mail you a check, please give us a call to close your account at 1-855-730-SAVE (1-855-730-7283).

No minimum balance is required in your Online Savings Account. However, if you do not maintain a positive balance for sixty (60) days, we may close your account.

The minimum deposit is $500.

If your Marcus CD account reaches the $500 minimum deposit within 10 days of the day you open your Marcus CD account (opening day plus 10 days), you will receive the highest published interest rate and Annual Percentage Yield (APY) we offer on the Marcus CD product and term you selected during that period, starting on your account opening date and extending for 10 days. This only applies to Marcus branded CD products.

If your Marcus CD account does not reach the $500 minimum deposit within 10 days of the day you open your account, your rate will be the interest rate and APY available for your Marcus CD product and term on the day your Marcus CD account reaches the $500 minimum deposit.

The interest you earn on your CD will automatically be added to the principal balance of your CD each month. Alternatively, you have the option to withdraw any earned interest on your CD, penalty-free. You can transfer the monthly interest earned to your Marcus Online Savings Account, or to one of your linked external bank accounts. Please call us at 1-855-730-SAVE (1-855-730-7283) to set up an interest disbursement. 

We will notify you via email before your CD’s maturity date. There is a 10-day grace period following your CD’s maturity date, during which you have a few options:

• withdraw balance without penalty;
• renew your CD with the same term; or,
• close your CD and open a new one with a different term

If you do not contact us within the 10-day grace period to take any action, your CD will automatically renew for another term.

The renewal term will begin (retroactively) on the day after the maturity date of the previous CD term. The principal balance for the renewal term will be the total balance in the CD (principal plus the interest that was not previously withdrawn) on the date the CD account is renewed. Your CD will receive the highest interest rate and APY we offer for the same CD product and term available during the 10-day grace period. A confirmation will be sent verifying the renewal terms.

Yes. Log in at Marcus.com and the maturity date will be displayed on your account information page.

Yes, you will receive a confirmation when your CD automatically renews. The confirmation will be sent out after the 10-day grace period concludes.

You will not receive a certificate for your CD. However, we will send you a confirmation letter ten days after we have received your opening deposit. This confirmation is your official record, so please save it for your reference.

If you withdraw the balance from your CD prior to maturity, you will be charged an early withdrawal penalty based on the term of your CD and the principal.

The applicable early withdrawal penalties are as follows:

CD Term	Early Withdrawal Penalty
Less than 12 months	90 days simple interest (see below) on the principal at the rate in effect for the CD
12 months to 5 years	270 days simple interest (see below) on the principal at the rate in effect for the CD
More than 5 years	365 days simple interest (see below) on the principal at the rate in effect for the CD

Daily simple interest is calculated by multiplying your interest rate (not APY) by the amount of principal in your CD account and dividing by 365. To calculate the early withdrawal penalty, multiply the daily simple interest by the number of penalty days listed above. For help estimating a potential early withdrawal penalty on your CD, call us at 1-855-730-SAVE (1-855-730-7283). 

You cannot withdraw a portion of your principal at any time prior to maturity. 

A CD ladder is a group of CDs with varying maturity dates. CD ladders allow you to take advantage of favorable interest rates and maintain access to your money more frequently than with a single, long-term CD. Click here for more information about CD laddering, or contact us. 

You have 30 days following the day you open your CD account to fully fund your CD. You cannot deposit additional funds into your CD account after it has been open for more than 30 days.

Both our High-Yield CD and our No-Penalty CD have a $500 minimum balance and come in a variety of terms. The differences are:

• Withdrawals. The full balance of a No-Penalty CD can be withdrawn anytime beginning seven days after funding, assuming the minimum balance requirement has been met. The High-Yield CD is subject to an early withdrawal penalty if the balance is withdrawn before the maturity date.
• Deposits. Once a No-Penalty CD is funded with at least $500, you cannot deposit any additional funds into that account. For a High-Yield CD, funds can be added to the account for 30 days after opening.  

Learn more about our High Yield CDs and No Penalty CDs to find out which is right for you

What is the CD Maturity Center?

With our CD Maturity Center, you’re in the driver’s seat. The CD Maturity Center is where you or any joint owner (for joint accounts) can tell us what to do with your CD when it matures. Your choices are:

• Let the CD automatically renew for a new term. (This is the default setting when you open a CD)
• Renew the CD with an increased or decreased principal balance, a different term or both
• Close the CD and withdraw all funds

Whatever you specify in the CD Maturity Center – that’s what we’ll do when your CD matures.  Change your mind later? Return to the CD Maturity Center as often as you like (until 8:30 pm ET the day before your maturity date) to update your plan. To reach the CD Maturity Center, log in to your account, go to your Account Details page and click ‘View/Edit Plan’. 

You can change your plan in the CD Maturity Center at any time during the 12 months before your CD’s maturity date. For CDs with terms of less than one year, you can make changes at any time during the term. If you don’t make any changes to your CD’s plan and it is set to auto-renew at maturity, you will have a 10-day grace period after your maturity date during which you can make changes, including closing your account and withdrawing all funds. However, if you do make changes to your plan and your CD renews with those changes, you won’t receive a grace period. In that case, your last time to make changes will be 8:30 pm ET on the day before your maturity date.  If you would like to make changes on your maturity date or during your 10-day grace period, please give us a call.

We’ll send you a reminder 30 days before your CD’s maturity date. And any time you make changes to your CD’s plan, we’ll send you a confirmation of the change. If your CD renews, we’ll send you and any joint owners (for a joint account) an email or letter with your CD’s new term, new rate and new maturity date.

For your convenience, our CD Maturity Center is available online 24/7. However, if you’d rather give us instructions by phone, you can call us toll-free at 1-855-730-SAVE (or 1-855-730-7283), Monday to Friday, 8 am – 10 pm ET, or Saturday to Sunday, 9 am – 7 pm ET.

$500

No. Partial withdrawals are not permitted from a No-Penalty CD. You may withdraw your full account balance  beginning seven days after funding.

There are no withdraw fees for a No-Penalty CD, as long as your account has been funded for at least seven days.

Once the balance of your No-Penalty CD reaches $500 or more, you may not make additional deposits. 

You can only withdraw the entire balance from your No-Penalty CD (no partial withdrawals allowed) and you must have has the account funded for at least seven days.  Once you withdraw your funds, the account will be closed.

Yes

To close your No-Penalty CD, go to your Account Detail page, click on the three dots menu in the upper right and select ‘Close this account.' If your account is eligible for withdrawal, we’ll confirm your balance and ask where you’d like to transfer your funds to.  If you’d like to transfer to multiple accounts, or if you’d like us to mail you a check, please give us a call to close your account at 1-855-730-SAVE (1-855-730-7283).

Read here for detailed information on the difference between an Online Savings Account and a No-Penalty CD. 

To add or remove a beneficiary, log in to your account and select Manage beneficiaries. You can also call us toll-free at 1-855-730-SAVE (1-855-730-7283), to add or remove a beneficiary.

We only accept natural persons as beneficiaries for your accounts. You cannot name a trust or other entity as beneficiary. There is a limit of 6 beneficiaries per account.

We will need the following information when adding beneficiaries:

• Beneficiary name
• Beneficiary date of birth
• Beneficiary Social Security Number/Individual Taxpayer Identification Number
• Beneficiary address
• Beneficiary phone number

For more information, contact us. 

At this time, we do not offer trust or custodial accounts.

• No fees. No sign-up fees, no prepayment fees. Truly, no fees. Ever.  
• Fixed rates for the life of the loan. 
• On-time payment reward. 
• Customizable payment due date.

 

We accept applications from consumers over 18 (19 in Alabama, 21 in Mississippi and Puerto Rico), with a valid U.S. bank account and Social Security or Individual Tax I.D. Number.

Yes, savings customers can apply for a Marcus loan. 

At Marcus, we offer loans up to $40,000. Your loan amount offer is based on the information on your application and credit report, as well as your intended usage, and our assessment of your ability to pay.

If you apply online, we use a series of data points to provide a tailored list of loan options based on the loan amount and monthly payment that you select. Your loan amount offer is based on the information on your application and credit report, as well as your intended usage and our assesment of your ability to pay. You can also browse other loan options based on different loan and/or monthly payment amounts. 

Annual percentage rates range from 6.99% to 19.99%. Only applicants with excellent credit qualify for our lowest rates, and rates will generally be higher for longer term loans. Learn more about loan options and rates.

Your rate will vary depending on many factors, like the information you provided, the loan amount, loan term, and information from your credit report. Your rate remains fixed for the life of your loan.

A Marcus personal loan has no fees. Ever. No sign-up fees, no prepayment fees and no late fees, truly, no fees. This means when you take out a loan with us, the only thing you pay is your principal and interest.

We do not charge fees. Ever. If you pay late, pay less than your amount due or miss a payment, you’ll accumulate more interest and your final payment will be larger as a result. In addition, payments that are not paid in full and on time may result in an event of default under your Installment Loan Agreement. Late payments, partial payments, missed payments, or defaults on your loan may be reflected in your credit report.

Yes. You may change your due date up to three times during the life of your loan. Read here for more on how to change your payment due date.

If you are applying online, you may make the first change to your due date as part of the initial loan setup.

After your first loan due date, you will be able to make additional changes to your due date. Sometimes, your due date change will not apply to your upcoming due date. In these situations, you will need to make your upcoming payment on your previously scheduled due date and your due date change will take effect the following month. When you request a due date change, we will tell you when the change will take effect.

You cannot use this feature while you have any past due amounts outstanding, during any payment deferral or during your final monthly payment period.

Please refer to your Installment Loan Agreement (“ loan agreement”) for all of the rules regarding payment due date changes. You can find a copy of your loan agreement on your dashboard customer profile when you log-in to Marcus.com.

 

To consolidate debt with a personal loan, determine the amount you owe, take out a personal loan from Marcus for that amount, and use the loan amount to pay off your creditors. It’s simple, easy to do, and it may save you money on fees and interest, when compared with higher interest debt. A Marcus debt consolidation loan may be used to pay off things like credit card balances or financed purchases.

If you intend to refinance an existing loan with a Marcus loan, you should know that:

1. You may not refinance an existing student loan with a Marcus loan. 
2. You will lose any special interest rate benefits or rights that you have or could obtain on your existing loan. These could include state or federal rights (such as under the Servicemembers Civil Relief Act), protections available to borrowers in financial trouble and or rate reductions for on-time payments. 
3. Monthly payment requirements for your current loan and our loan may vary.

Yes, both existing and previous customers can now apply for another loan with Marcus. To learn more and apply, log in to your account.

A home improvement loan from Marcus can help your house feel a little more like home. You can get up to $40,000 to finance your home improvement project with no collateral or home appraisal required. Applying is easy and straightforward—you can get your fixed rate loan offer in less than 5 minutes with no impact to your credit score. And a home improvement loan from Marcus has no fees, ever.

We use the daily simple interest method to calculate interest. That means, interest is charged every day on the principal balance that is outstanding and you only pay interest for the number of days that your loan is outstanding. Below is information about how certain payments will affect your monthly payment, the amount of interest that you pay and the amount of your final payment.

• If you pay late, pay less than your amount due or miss a payment, you’ll accumulate more interest and your final payment will be larger as a result. In addition, payments that are not paid in full and on time may result in an event of default under your Installment Loan Agreement. Also, late payments, partial payments, missed payments, or defaults on your loan may be reflected in your credit report.
• If you make your monthly payment early or you pay more than your amount due, your future monthly payments will stay the same, but you will pay less interest and your final payment will be reduced as a result.

No, Marcus is not a P2P lender. Loans from Marcus by Goldman Sachs® are a product of Goldman Sachs Bank USA. Peer-to-peer lenders are not banks. 

We are grateful for the contributions servicemembers make to our country. In recognition of this service, the Servicemembers Civil Relief Act (SCRA) provides protections to certain individuals. The SCRA is intended to enable servicemembers to devote their energy to the defense needs of the United States of America. The benefit is intended to postpone or suspend certain civil obligations to enable servicemembers to devote full attention to duty and relieve stress on the family members of those deployed servicemembers.

Servicemembers, and in certain instances spouses/domestic partners, may have their annual percentage rate lowered to 4% from the time that SCRA eligibility begins and is applied from that time for the life of the loan.

Please call us toll-free at 1-844-MARCUS1 (1-844-627-2871) to speak to a loan specialist if you would like more information or to find out if you are eligible.

Welcome! To enter your loan offer code, click here.

No. We only accept individual loan applications.

In addition to completing the application form, we may request documents such as recent pay stubs or bank statements  to verify your income. To verify your identity, you may need to provide your full Social Security or Individual Tax I.D. Number or a photo ID issued by a U.S. state or territory. In some cases, you may need to provide additional information. Read more on how to get started with applying for a personal loan in 5 steps.

Once you provide your U.S. bank account and routing numbers, we’ll do our best to verify your account using the information you provide. In some cases, we’ll need you to provide us with an image of a valid check from an account in your name. Once we review and accept the check, you can continue your application. If we require additional information from you, we’ll contact you via email and/or phone.

Exploring your loan options online will not impact your credit score. Once you’ve selected the loan option that’s best for you, we’ll ask you to complete an application and to enter additional information on your employment status, phone number and your full Social Security or Individual Tax I.D. Number, among other things. This step counts as applying for a loan and may impact your credit score. We will let you know during the application process at what point your credit score might be impacted. 

Unfortunately, loan offers depend on time-sensitive factors, and information that we learn about you. As a result, that loan offer may no longer be available or valid for you. You can still search for loan options that are right for you.

First, make sure your documents clearly show your name and that they aren’t expired.

You can send us documents for your loan application directly from your mobile device's camera, your photo library or upload files from your desktop computer.

To upload documents:

1. Tap "Upload Documents" on your "To-Do List" and select whether you'd like to upload an existing photo (desktop or mobile), or take a new photo (mobile). 
2. If you are taking a new photo, make sure your document is placed on a flat, well-lit surface. 
3. When you're done, click "Submit". It's that easy! 

In some cases, we may ask you to re-upload a document if:

• your name isn't included; 
• the address listed on the document doesn't match the address you provided on your loan application; 
• the document is expired; 
• pages are missing; 
• the document is blurry or cut off; or 
• it wasn't in a supported format (JPG, PDF or PNG). 

Note: Document upload directions only apply to online applications.

Yes. When you apply online you can browse loan options based on different loan and/or monthly payment amounts.

If you applied online and have an account, log in to see your loan application status. Remember, we'll send you an email when your application status changes or if we need any additional information.

If you applied online, once you’re approved, simply e-sign your loan documents and connect your U.S. bank account to receive your funds. After we verify your bank account it should take about 1 to 4 business days for funds to be deposited into your bank account.

Actual timing may be longer or shorter depending on the time of day we process your loan documents and depending on your financial institution.

If your application is declined, you’ll receive an explanation as to why we could not offer you a loan on-screen after applying or a notice in the mail within 7-10 business days. Please wait at least three months before re-applying for a loan from Marcus.

Yes. Please call us at 1-844-MARCUS1 (1-844-627-2871) for assistance. If you have previously started an online application, you will need to complete it on Marcus.com.

We use an automated system to attempt to verify your income and employment. We may request documents such as recent pay stubs or personal bank statements. In certain circumstances, we may also need to contact your employer directly. This is to verify your work status — not to discuss your application.

At Marcus, we may ask for proof of income adding up to your stated annual income. The following documents are accepted:

Personal income: your most recent pay stub. You may also submit your offer letter (if within 60 days of new employment).

Spousal or household income: If you included income from your spouse or any other member of your household, please also submit the paystub showing the additional income.

Military income: your Military Leave and Earnings Statement.

Alimony income: your most recent three months' personal bank statements showing receipt of alimony.

Child Support income: State/Court-issued letter showing proof of payment for at least 3 months.

Retirement income: your most recent 1099-R/1099 SSA OR retirement benefit letter.

Benefit income: a copy of the benefit award letter. Below are examples of benefits:

• Temporary Aid to Needy Families (TANF or Welfare)
• Food Stamps (WIC or SNAP)
• Rent and Mortgage Supplement or Assistance Programs (Section 8)
• Social Security
• Supplemental Security Income
• Unemployment Benefits
• Disability
• Survivor Benefits
• Foster Care
• Adoption Assistance

Personal bank statements: You may upload three months of individual or joint personal bank statements (most recent and consecutive). Note that additional information may be required depending on income source.

You may upload any of the above documents and, in the case of personal bank statements, you may be able to link your bank account(s) instead.

For those who are self-employed, the last three months of personal bank statements.

Business bank statements or Individual Income Tax Returns (Form 1040) are not accepted.

You may upload your last three months of personal bank statements or, in some cases, you may be able to link your bank account(s) instead.

To help facilitate your Marcus loan application process, thousandsof institutions are available to link. When attempting to link, type the name of your financial institution. Once you see your financial institution, try linking it by using the same credentials you use to log in at their website or app.

When attempting to link your account, if your financial institution is not supported, you’ll see the option to type in your institution name and send to us. We’ll use this information to improve our product over time.

To submit the required documentation, you can continue by selecting “Manually upload bank statements” and following the prompts.

If you are unable to link to a supported financial institution using your credentials, it’s possible that your institution is making changes on their end that may disrupt the ability to link your account(s).

Here are some steps you can take to try to troubleshoot the issue:

1. Open a browser in a private window or tab
2. Log in to your account without using a password manager or auto-fill
3. Complete any multi-factor authentication steps (typically, only security questions and code via text or code are accepted when linking your account(s))
4. Try to link again at Marcus

To submit the required documentation, you can continue by selecting “Manually upload bank statements” and following the prompts.

We take the heavy lifting out of paying down your credit cards, retail cards and/or personal loans by sending your funds directly to your creditors when you select debt consolidation as your loan purpose.

Anyone who chooses debt consolidation as the reason for their loan may be able to use Direct Payment for up to 10 credit cards, retail cards and/or personal loans. There’s no fee to use Direct Payment.

You can pay down most credit cards and many retail cards and unsecured personal loans with Direct Payment. Your credit card issuer must be able to accept electronic payments and, if you are trying to pay down a retail card or personal loan, your creditor must be able to accept payments through a bill pay network. Please note that you cannot pay down debts owed to Goldman Sachs Bank USA, including AppleCard or Marcus personal loan debt. You also are unable to pay down other types of debt such as student or educational loans and secured loans, like mortgage loans or car loans. 

Your credit card issuer must be able to accept electronic payments and, if you are trying to pay down a retail card or personal loan, your creditor must be able to accept payments through a bill pay network. At this time, we are unable to support disbursements to all creditors. Top creditors to whom we are unable to disburse include Navy Federal Credit Union cards and personal loans, Sears National Bank card, First Bank and Trust card, Lending Club personal loans, and Prosper personal loans. Please note that you also cannot pay down debts owed to Goldman Sachs Bank USA, including AppleCard or Marcus personal loan debt.

Direct Payment is limited to certain credit cards, retail cards and unsecured personal loans. You cannot use it to pay down other types of debt such as student or educational loans and secured loans, like mortgage loans or car loans.

You can send all or some of the money to up to 10 of your credit card, retail card and/or personal loan accounts as long as you selected debt consolidation as the reason for your loan. We’ll disburse anything that’s left over to your bank account.

With Direct Payment, you don’t have to wait for your funds to arrive to your bank account and then schedule one or more payments to your credit card, retail card and/or personal loan account(s). Instead, you tell Marcus which account(s) you’d like to pay down and in what amount(s) and we’ll send the money to those account(s).

On the disbursement page, we will ask you to provide the account information for the credit cards, retail cards and/or personal loans that you want to pay down as well as the amount you would like to pay down for each account. 

Your credit card, retail card and personal loan companies may receive your funds in 1-4 business days. Marcus doesn’t control how or when your creditor will apply your funds to your balance, so you should keep making all required payments until you see that the funds have been applied.

Please note that credit card companies often add interest at the end of a billing cycle.  Accordingly, even if you pay your current credit card balance off with Direct Payment, interest may still be added at the end of the billing cycle and you will have to pay that balance separately.

Visit our Disbursement Disclaimer to learn more.

The on-time payment reward is a payment deferral feature for customers who consistently pay on time. After making 12 or more consecutive monthly payments in full and on time, you can defer one payment. At Marcus, we want to help our customers pay off their debt, so we offer the ability to defer payments without accruing additional interest or fees.

The on-time payment reward serves as a tool to help customers plan ahead and manage their monthly finances. We will not charge interest during the deferral, and we will extend your loan by one month (interest will accrue normally during this extra month). Your payments resume as usual the month after the deferral. If you miss a payment or pay late once, you can no longer use the feature for the life of your loan.

When you request a deferral, please note it needs to be done before 5 pm E.T. at least 16 days prior to your payment due date. If that date is a weekend or holiday, contact us on the business day prior. To defer a payment, please contact a Loan Specialist toll-free at 1-844-MARCUS2 (1-844-627-2872).

There is no maximum limit. After making 12 or more consecutive monthly payments in full and on time, you can defer one payment. After you use your deferral and make another 12 consecutive monthly payments in full and on time, you will be eligible for another payment deferral. See your loan agreement for details.

No. You can use it for any future payment so long as you continue to pay in full and on time.

AutoPay is an automatic payment tool that withdraws a regularly scheduled payment amount from your checking account. With AutoPay, you won't have to worry about forgetting a payment.

You can make one-time payments each month, or for added convenience, you can set up AutoPay on Marcus.com. We also accept payments by phone and check/money order payments by mail. See below question for details on how to pay by check.

Yes. To pay by check, please include your loan number in the memo line, make checks out to Goldman Sachs Bank USA and send your check to:

For FedEx and UPS delivery:
Marcus by Goldman Sachs
Lockbox 6104
400 White Clay Center Dr.
Newark, DE 19711

For USPS delivery:
Marcus by Goldman Sachs
Lockbox 6104
P.O. Box 7247
Philadelphia, PA 19170-6104

To avoid being late, please allow 7-10 days for your payment to reach us.

MarcusPay can be a smart way to make purchases. It empowers you to buy what matters to you, when it matters, and to pay for it with no upfront costs or down payment. You know how much you’ll pay for exactly how long, with a no-fee, fixed-rate installment loan. You’ll know it’s available if you see the MarcusPay option at checkout.

Some of the benefits include:

• No fees
• No deposit
• Fixed interest rate
• Transparent monthly payments

An installment loan with MarcusPay is similar to a personal loan from Marcus by Goldman Sachs, but there are a few differences. One difference is the amount: a MarcusPay loan can only be used to finance a purchase between $750 and $10,000 from the participating merchant, while Marcus personal loans are for a variety of loan purposes and are made in amounts ranging from $3,500 to $40,000. Another difference is that MarcusPay loan funds are disbursed directly to the merchant from whom the purchase is made.  Marcus personal loans can go to multiple providers or can be deposited to your personal account. 

You may see MarcusPay as a payment option at checkout when you’re ready to make a purchase. You can use MarcusPay for an eligible purchase that costs between $750 and $10,000. To apply, you must have a valid Social Security Number or Individual Tax ID Number. We accept applications from consumers over 18 (19 in Alabama, 21 in Mississippi and Puerto Rico).

To complete your application, you must provide a valid Social Security Number or Individual Tax ID Number. We may also ask you to verify your identity by providing a photo ID issued by a US state or territory. 

Exploring your MarcusPay loan options will not have an impact on your credit score. Once you’ve selected a loan option, you'll be asked to finish completing your loan application. Submitting your MarcusPay loan application may impact your credit score. We’ll let you know during the application process at what point your credit score might be impacted.

Our rates are between 10.99% and 25.99%. For New York residents, rates range from APR 10.99% to 24.99%. Only applicants with excellent credit qualify for our lowest rates, and rates will generally be higher for longer term loans. Learn more.

No. We don’t charge fees. You pay for the cost of your purchase, plus interest.

Some important things to know about late payments:

• If you pay late, pay less than your amount due or miss a payment, you’ll accumulate more interest and your final payment will be larger as a result.
• Payments that are not paid in full and on time may result in an event of default under your Installment Loan Agreement.
• Late payments, partial payments, missed payments, or defaults on your loan may be reflected in your credit report.

We use the daily simple interest method to calculate interest. This means interest is charged every day on the principal balance that is outstanding and you only pay interest for the number of days that your loan is outstanding.

Below is information about how certain payments will affect your monthly payment, the amount of interest that you pay and the amount of your final payment.

If you pay late, pay less than your amount due or miss a payment, you’ll accumulate more interest and your final payment will be larger as a result. In addition, payments that are not paid in full and on time may result in an event of default under your Installment Loan Agreement. Also, late payments, partial payments, missed payments, or defaults on your loan may be reflected in your credit report.

If you make your monthly payment early or you pay more than your amount due, your future monthly payments will stay the same, but you will pay less interest and your final payment will be reduced as a result.

If you make your monthly payment early or you pay more than your monthly amount due, your future monthly payments will stay the same, but you will pay less interest and your final payment will be reduced as a result.

If you make your monthly payment early or you pay more than what’s due, your future monthly payments will stay the same, but you will pay less interest and your final payment will end up being less, as long as all of your other payments are made in full and on time.

You can pay off your MarcusPay loan in full at any time. There is no fee for paying off your loan early.

Yes! The ticket is yours once you’ve purchased it with MarcusPay and you can travel as scheduled. Your first monthly payment will be due approximately one month from the date on which Marcus receives confirmation of your purchase. Please refer to your account on Marcus.com for more details on your monthly payment due date, or call us at 1-833-331-6729.

Yes, but you must also be a listed as a traveler on the itinerary. If you are not listed as a traveler, you cannot apply for a MarcusPay loan to pay for the trip. 

After you’ve signed your Installment Loan Agreement, you will be returned to the merchant’s checkout page, where you can complete your purchase.

If you can’t complete the application process right then and there, you can pick up where you left off by logging in at marcus.com. Once your loan is approved and you’ve signed your Installment Loan Agreement, we’ll post a purchase code on your Marcus account dashboard along with instructions on how to use your code and make your purchase.

You have 10 days after signing your Installment Loan Agreement to make your purchase. If you don’t complete your purchase within 10 days, your loan will be cancelled and you’ll need to reapply if you decide you do want to make a purchase using MarcusPay.

If the cost of your purchase decreases before you complete the purchase, your loan amount will be the amount that we disburse.

If the cost of your purchase increases before you complete the purchase, you’ll need to use an additional form for payment to cover the difference in cost. 

You can cancel your purchase by contacting the merchant directly, and depending on their cancellation policy, they may refund your money or they may provide “in kind” credits you can use on a later purchase. If the merchant refunds your money to us, we will apply the refund credit to your account. You’ll still be responsible for paying any balance that remains under your MarcusPay installment loan account.

If the merchant refunds your money to us, it could take 7 –10 business days for the merchant to send it to Marcus by Goldman Sachs. We’ll apply it to your loan account and email you to let you know we’ve processed it. We’ll only be able to apply a refund of money to your loan account – for example, we won’t be able to apply “in-kind” credits that you can use on a subsequent purchase from the merchant partner. It’s important to know that a refund won’t cancel your MarcusPay loan; you’ll still be responsible for paying any outstanding balance that remains. You can check the status – and see if there’s an outstanding balance to pay – by logging into your account at www.marcus.com or calling 1-833-331-6729.

You can make payments a few ways:

• You can log in to your account at Marcus.com and turn on AutoPay, which will allow us to automatically withdraw your full monthly payment from your linked account on your payment due date.
• You can make payments manually online by logging into your account and making a payment.
• You can send us a check (there’s no fee!). Please allow 7–10 days for it to arrive, include your loan account number in the memo link and make it payable to Goldman Sachs Bank USA.
• You can also make a payment by phone by calling 1-833-331-6729.

For FedEx and UPS delivery please send your check to:
Marcus by Goldman Sachs
Lockbox 6104
400 White Clay Center Dr.
Newark, DE 19711

For USPS delivery, please send your check to:
Marcus by Goldman Sachs
Lockbox 6104
PO Box 7247
Philadelphia, PA 19170-6104

You can see your payment status by logging into your account at marcus.com.

Marcus Insights is a collection of smart tools and trackers designed to help you see your money clearly and make empowered financial decisions. Marcus Insights makes it easy to learn something new about your finances: explore your spending breakdown by category, monitor your cash flow, and review how much you’ve spent with your most frequented merchants. To get started, link your external accounts from thousands of institutions. The more accounts you link, the better your insights.

Marcus Insights is 100% free to use.

Marcus Insights is available on the Marcus App and on Marcus.com.

At Marcus, we make it a priority to protect your privacy and safeguard your account information. That’s why we’ve implemented a variety of services, features, and policies to keep your account secure. Please know that when you link an external account to Marcus Insights, we never see your username or password. Also, rest assured that we never sell your data. To learn more, please visit our Security Center.

Marcus Insights is available on the Marcus App and on Marcus.com. 

For new customers

• On the Marcus app: After opening the Marcus app for the first time, follow the on-screen prompts to sign up and link your first external account. You must link at least one eligible external account to see your insights.
• On Marcus.com: Navigate to Marcus.com/insights and click “Get Started.” Then, follow the on-screen prompts to sign up and link your first external account. You must link at least one eligible external account to see your insights.

For existing Marcus customers

• On the Marcus app: log in and navigate to the main feed, you should then see a tile inviting you to get started with Marcus Insights. If you dismissed the initial tile, you can still enroll from your profile page. Then, follow the on-screen prompts to link your first external account. You must link at least one eligible external account to see your insights.
• On Marcus.com: log in and navigate to the “Accounts” tab. You will see a banner inviting you to enroll in Marcus Insights. Then, follow the on-screen prompts to link your first external account. You must link at least one eligible external account to see your insights.

If you’re no longer interested in Marcus Insights, navigate to Profile > externally linked accounts > and unlink any and all institutions under the “Insights” section.

We have specialists who are happy to help with any Marcus Insights questions you may have. Please call 1-855-730-7283 to get in touch. We are available Monday to Friday, 8 am - 10 pm ET and Saturday to Sunday 9 am - 7 pm ET.

Marcus Insights is intended for individuals at this time. Individuals can enroll in Marcus Insights from their Marcus account.

With Marcus Insights, thousands of institutions are available to link. When attempting to link, type the name of your financial institution. Once you see your financial institution, try linking it by using the same credentials you use to log in at their website or app.

When attempting to link your account, if your financial institution is not supported, you’ll see the option to type in your institution name and send to us. We’ll use this information to improve our product over time. 

If you are unable to link to a supported financial institution using your credentials, it’s possible that your institution is making changes on their end that may disrupt the ability to link to Marcus Insights.

Here are some steps you can take to try to troubleshoot the issue:

1. Open a browser in a private window or tab
2. Log in to your account without using a password manager or auto-fill
3. Complete any multi-factor authentication steps (typically, only security questions and code via text or code are accepted when linking to Insights)
4. Try to link again at Marcus

With Marcus Insights, you are able to link your external accounts from thousands of available institutions.

The bank must be located in the U.S., in certain U.S. territories (U.S. Virgin Islands and American Samoa), or in/on a U.S. military base or diplomatic facility.

Although not a comprehensive list, the following accounts are generally supported:

• Savings, checking, and money market accounts
• Credit cards and prepaid cards
• Personal loans, car loans, mortgages, and other loans
• Brokerage, retirement, and other investment accounts

The more accounts you link, the better your insights.

From your Profile, navigate to your linked external accounts and select the “link institution” plus (+) sign under “Marcus Insights”.

1. Search for your financial institution
2. Enter your credentials
3. If prompted, enter your multi-factor authentication
4. Select which accounts you would like to show or hide within Marcus Insights

It can take a few minutes to sync your account and transaction information. 

Once an external account is linked and Marcus Insights is unlocked, your Marcus accounts will be automatically linked to Marcus Insights.

Note: You can update your preferences anytime from your Profile

Marcus Insights takes some of the work out of managing your finances by bringing your saving, investing, and spending together in one place. You must link at least one eligible external account to see your insights.

In order to take advantage of the features of Marcus Insights, you must link at least one eligible account using the “Instantly link” method when linking an exter­­nal account. The method to “Manually link” (the use of trial-deposits) does not provide the real-time information needed for Marcus Insights.

To unlink an account, navigate to Profile > Linked external accounts and follow the instructions to unlink. Keep in mind that unlinking your institution will unlink all accounts associated with it. If you simply do not want to view a particular account, you can hide that individual account while keeping the institution linked.

If you see a message asking you to re-link your account or institution, please follow the instructions to do so. This typically happens when you update your password with your financial institution.

If you do not see a message, but see that your balances and transactions are out of date by more than a day or two, this may be a result of downtime at your institution. Typically, these issues resolve themselves automatically.

Please note that the frequency by which balances and transactions update varies by financial institution. Some institutions update every few hours, while others update every 24 hours or longer.

We started Clarity Money in 2016 with the goal of helping consumers make better financial decisions and when we joined the Marcus family in 2018, we knew we were making another big step towards this ambition.  Today, we are focusing our people and efforts on a shared mission: to help millions of consumers achieve financial wellbeing by building the best digital banking experience at Marcus.

On and after March 5, 2021, Clarity Money will no longer be available via the mobile app or web app. 

You can either unlink your linked accounts yourself prior to March 5 or, if you take no action, your accounts will be unlinked on your behalf after March 5.

If you would like to unlink an account before March 5, please navigate to: Profile > Institutions > Select your institution > Select Unlink Institution

If you take no action, after March 5, any connections to your accounts via our linking partner will be deactivated and we will no longer receive any new balance or activity information on your accounts.

No. Clarity Money customers who want to start using Marcus Insights will need to re-link their financial accounts to Marcus. 

When you’re in the Clarity Money app, click on the green “C” to send a message to the Clarity Money team. You can also send an email to [email protected].