From Marcus to you—an Online Savings Account rate bonus for Ayco clients

Goldman Sachs designed Marcus with high-yield accounts to help you make the most of your money, unlike typical banks with savings accounts that pay next to nothing. Ayco clients can receive a rate bonus on top of our high-yield rate.

Upon enrollment, Ayco clients can earn an Annual Percentage Yield (APY) that is 0.10% higher than the stated APY available at marcus.com for a period of 12 months. Click here for full offer terms.

Marcus by Goldman Sachs is a brand of Goldman Sachs Bank USA, which is an affiliate of The Ayco Company, L.P.

Our Online Savings Account rate is 4X the national average with no fees and no minimum deposit. And interest compounds daily, which helps keep your money growing.

Annual Percentage Yield (APY) as of September 18, 2021. APY may change at any time before or after account is opened. Minimum balance limits apply.

The National Average is based on the APY average for high-yield savings accounts with a minimum balance of at least $2,500 offered by the top 50 US banks (ranked by total deposits) as reported by Informa Financial Intelligence, www.informars.com. Informa has obtained the data from various financial institutions that it tracks and its accuracy cannot be guaranteed. All APYs are subject to change. National Average rate effective as of July 7, 2020. Our rate for purposes of this comparison as of July 7, 2020.

The Marcus Online Savings Account gives you more than a great rate.

Open an account in minutes

You can do it all online with no waiting and no paperwork to mail in.

Convenient account access

Manage your account and schedule transactions anytime at marcus.com or on the Marcus app.

Transfers made easy

Link to your external bank accounts for transfers – including same-day ACH transfers for amounts of $100,000 or less.

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 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.

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 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.

Rest easy while your money grows

  • FDIC insured up to the maximum allowed by law
  • US-based Savings Specialists are available to help 7 days a week
  • Backed by over 150 years of Goldman Sachs’ financial expertise

How to get your 0.10% APY rate bonus for Ayco clients

It only takes a few minutes to open an account and enroll. Link an external account to fund your Online Savings Account and schedule transfers anytime.

Click “Enroll Now” to open an account or log in at marcus.com

Rate bonus for Ayco clients is available for new and existing Online Savings Accounts.

Enter your information

Including name, address, date of birth and Social Security Number.

Start earning

When you enroll in the rate bonus for Ayco clients, your Online Savings Accounts will earn at a rate that’s 0.10% higher than the publicly available APY for 12 months beginning on the date you enroll.

Learn more about the rate bonus for Ayco clients

Marcus Online Savings Account Rate Bonus for Ayco Clients

Offer Terms

Upon enrollment in this offer, your Marcus Online Savings Accounts will earn an Annual Percentage Yield (APY) that is 0.10% higher (the “APY Bonus”) than the stated APY available at www.marcus.com for a period of 12 months, beginning on the date of enrollment (the “Promotional Period”). Online Savings Accounts that you open following enrollment in this offer will automatically receive the APY Bonus through the end of the Promotional Period. Upon expiration of the Promotional Period, the APY on all of your Online Savings Accounts will automatically revert to the stated APY available at www.marcus.com. The APY on the Marcus Online Savings Account is 0.50 as of September 18, 2021. APY may change at any time, before or after an account is opened.

In order to participate in this offer, you must be an  employee of a participating Ayco corporate client with access to the Ayco Marketplace, and arrive at https://www.marcus.com/us/en/savings/ayco  directly from the Ayco Marketplace. Offer is limited to one per customer. This offer may be combined with other promotional offers available to the general public, but cannot be combined with promotional offers made available through other Marcus by Goldman Sachs partners. Upon enrollment, in addition to your individually owned accounts, the APY Bonus will be applied to your jointly owned accounts that are not already earning the APY Bonus.

We reserve the right to modify or revoke this offer at any time without notice. If we determine that you have engaged in or plan to engage in abuse or gaming in connection with this offer, you will not be eligible for this offer.