A high-yield Online Savings Account from Marcus by Goldman Sachs

A great savings account is more than just a great rate. Our award-winning Online Savings Account is backed by the financial expertise of Goldman Sachs. You can set up an account in minutes, with zero minimum balance, and enjoy 24/7 online access. And if you need help, our US-based Contact Center is available by phone 7 days a week.

Online Savings Account At-A-Glance

  • Start earning interest on the day your deposit is received, no matter the amount
  • No fees of any kind
  • Link other bank accounts for incoming and outgoing transfers
  • FDIC insured

Minimum to open:

$0

Annual Percentage Yield:

1.70% APY

Monthly Service Fees:

None

How to open an account

It only takes a few minutes to start saving for your future.
step1

Click Open Now

Begin our secure (and fast) account opening process with $0 minimum to open.
step2

Enter your information

Including your name, address, date of birth and Social Security Number.
step3

Transfer funds

Link to your account at another bank.

Have questions? We have answers.

Select a question to learn more.

It’s your money – you shouldn’t be charged to access it. That’s why we don’t charge transaction fees for ACH or wire transfers to or from an external bank (but your external bank may charge you a fee). We don’t have minimum balance fees or monthly maintenance fees, either.

Federal regulations require that savings accounts are limited to a maximum of 6 withdrawals and transfers per statement cycle. (If you have already made 6 withdrawals and need to make an additional withdrawal, you can call us and request that we mail you a check.) In addition, we have an outgoing transfer limit of $125,000 per transfer when you schedule it online. If you need to withdraw more than $125,000, just give us a call. We’re here to help!

New Account Owners (those solely holding Accounts opened after April 15, 2016) can deposit from $0 to $1,000,000 in all individual and joint deposit accounts combined, with a $1,000,000 per account maximum.

You’ll start earning interest on the day your deposit is received.

You can make deposits by ACH transfer from a linked external account, by wire transfer or by mailing a check. Even better: all transfers into (or out of) your account are free!

Have questions? We have answers.

Select a question to learn more.

    No fees? Really?

    What are the limits on transferring money?

    How much money can I deposit?

    When will I start earning interest?

    How do I deposit money?

Looking for high-yield CDs?

With rates above the national average and terms from six months to six years, creating your safety net won't be a stretch.

We’re here to help

Savings Specialists are available Monday to Friday from 8 am – 10 pm E.T. and Saturday to Sunday from 9 am – 7 pm E.T.