Your special invitation to Marcus from ${referrer}

We're glad you're here! 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. And thanks to your friend and Marcus Referred, now you can get a Referral Bonus on top of the high-yield rate on our Online Savings Account.

Simply open an Online Savings Account as a new customer by clicking below, and for 3 months, you could earn an Annual Percentage Yield (APY) that's 0.20% higher than the stated APY available at marcus.com. The friend who referred you could receive a Referral Bonus, too! See full offer terms

Existing customers may participate in Marcus Referred and refer friends to Marcus for the opportunity to earn a Referral Bonus. Visit the Referral Center to learn more or call us with any questions. 

We're glad you're here! 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. And thanks to your friend and Marcus Referred, now you can get a Referral Bonus on top of the high-yield rate on our Online Savings Account.

Simply open an Online Savings Account as a new customer by clicking below, and for 3 months, you could earn an Annual Percentage Yield (APY) that's 0.20% higher than the stated APY available at marcus.com. The friend who referred you could receive a Referral Bonus, too! See full offer terms

Existing customers may participate in Marcus Referred and refer friends to Marcus for the opportunity to earn a Referral Bonus. Visit the Referral Center to learn more or call us with any questions. 

Your special invitation to Marcus from ${referrer}

We're glad you're here! 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. And thanks to your friend and Marcus Referred, now you can get a Refferal Bonus on top of the high-yield rate on our Online Savings Account.

Simply open an Online Savings Account as a new customer by clicking below,  and for 3 months, you could earn an Annual Percentage Yield (APY) that's 0.20% higher than the stated APY available at marcus.com. The friend who referred you could receive a Referral Bonus, too! See full offer terms

Existing customers may participate in Marcus Referred and refer friends to Marcus for the opportunity to earn a Referral Bonus. Visit the Referral Center to learn more or call us with any questions. 

A great rate made greater

Our online savings account has a rate that's 4X the national average, with no fees and no minimum balance. Your Referral Bonus can help your money work even harder.

Annual Percentage Yield (APY) as of November 25, 2020. APY may change at any time before or after account is opened. Minimum balance limits apply.
Offer valid through 10/22/20 - 12/31/20. All steps for receiving a Referral Bonus must be completed by 12/31/20.

How to get your 0.20% APY Referral Bonus

Open an account

Click Open an Account on this page (which already contains your friend’s unique referral link) to begin account opening. You can do it online in minutes.

Receive a 0.20% APY bonus for 3 months

Once you successfully open an Online Savings Account, you’ll receive a Referral Bonus.

Fund your account

Link an external account and make your first deposit so you can start earning interest.

If you choose to open a CD (instead of an Online Savings Account) using your friend’s unique referral link, you won’t earn a Referral Bonus; however, your friend will earn a Referral Bonus whether you open and fund an Online Savings Account or a CD through their referral link. 

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

No minimum deposit and no fees

A little flexibility means there's no reason to wait. And with no fees, you keep every penny you earn.

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 $100,00 or less.

A little flexibility means there's no reason to wait. And with no fees, you keep every penny you earn.

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

Link to your external bank accounts for transfers-including 
same-day ACH transfers for amounts of $100,00 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.

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

No minimum deposit and no fees

A little flexibility means there's no reason to wait. And with no fees, you keep every penny you earn.

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 $100,00 or less.

A little flexibility means there's no reason to wait. And with no fees, you keep every penny you earn.

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

Link to your external bank accounts for transfers-including 
same-day ACH transfers for amounts of $100,00 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.

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/week
  • Backed by Goldman Sachs’ over 150 years of financial expertise

Learn More About Marcus Referred

 

Marcus by Goldman Sachs® Referral Program Terms

Referral Bonus described below is valid from October 22, 2020 through December 31, 2020 (the "Offer Period").

Existing Customers
As an existing Marcus customer, you can receive a Referral Bonus (defined below) on all of your Marcus Online Savings Account(s) (each an “OSA”) after a New Customer (defined below) opens and funds a new OSA or Certificate of Deposit (“CD”) using your unique referral link during the Offer Period (a “Successful Referral”). Adding a joint owner to an existing OSA will not count as a Successful Referral.  Your unique referral link will be accessible in the Marcus Referred Center. You can access the Marcus Referred Center by logging in and selecting Marcus Referred in the menu at the upper right corner of any page.

After a Successful Referral, all of your existing OSAs will earn an Annual Percentage Yield (“APY”) that is 0.20% higher than the stated APY available at www.marcus.com for a period of 3 months (“Referral Bonus”). You must have an OSA at the time of a Successful Referral to earn a Referral Bonus. New OSAs opened after a Successful Referral may also be eligible for a Referral Bonus, as further detailed in the General section below. You can earn a maximum of 3 Referral Bonuses in each calendar year.  A Referral Bonus will automatically start 2 business days following a Successful Referral.  If you are already receiving a Referral Bonus, the next Referral Bonus you earn will begin on the day after your current Referral Bonus expires. Only one Referral Bonus will be applied to your OSAs at any given time.   

Jointly owned OSAs may receive a Referral Bonus through the Successful Referral of any account owner, but individual Referral Bonus maximums still apply.  The dates associated with the 3 month period of a Referral Bonus on your individually owned OSAs may differ from that on your jointly owned OSAs

New Customers
If you have not had a Marcus OSA or CD in the last 12 months (a “New Customer”), you can receive a Referral Bonus when you use an existing customer’s unique referral link to open a new OSA during the Offer Period. You will receive your Referral Bonus for a period of 3 months, starting on the day your OSA is opened.   New jointly owned OSAs opened through a unique referral link can receive a Referral Bonus, provided that all account owners at the time of account opening are New Customers. The Referral Bonus earned as a New Customer will not count towards your Referral Bonus maximums.

By using an existing customer’s unique referral link to open an account, you acknowledge that the customer whose unique referral link you use may know that you opened and funded a Marcus account. If you wish to avoid this, do not sign up for a Marcus account through a unique referral link.

General
To receive a Referral Bonus, your OSAs must be open and in good standing. CDs are not eligible to receive any APY bonuses under this Referral Program.  You can see the status of all your earned Referral Bonuses in the Marcus Referred Center at any time.

If you open new OSAs while any of your existing OSAs are receiving a Referral Bonus, we will apply the Referral Bonus to your new OSAs.  You will receive the Referral Bonus through the latest expiration date of your then-current Referral Bonuses. 

If any joint owner of a jointly owned OSA is currently receiving a Referral Bonus when a new jointly owned OSA is opened, that jointly owned OSA will receive a Referral Bonus through the latest expiration date of an active Referral Bonus associated with any one joint owner.  Subsequent Referral Bonuses earned by any joint owner will extend the expiration date of the Referral Bonus on the jointly owned OSA for additional 3 month periods, each to be applied consecutively. The Successful Referral of any one owner on a jointly owned OSA will only be applied towards that owner’s individual Referral Bonus maximum.

Referral Bonuses may be combined with other promotional offers available to Marcus customers. Upon expiration of a Referral Bonus, the APY on your OSA will automatically revert to the stated APY available at www.marcus.com. The APY on OSA is 0.50% as of November 25, 2020. APY may change at any time, before or after an account is opened.

We reserve the right to revoke or modify this program at any time without notice, which could include changing the type of bonus awarded or the amount of any bonus.  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.

Got questions?

Get answers and information about growing your savings at Marcus.

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.

Your special invitation to Marcus from ${referrer}

We're glad you're here! 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. And thanks to your friend and Marcus Referred, now you can get a Refferal Bonus on top of the high-yield rate on our Online Savings Account.

Simply open an Online Savings Account as a new customer by clicking below,  and for 3 months, you could earn an Annual Percentage Yield (APY) that's 0.20% higher than the stated APY available at marcus.com. The friend who referred you could receive a Referral Bonus, too! See full offer terms

Existing customers may participate in Marcus Referred and refer friends to Marcus for the opportunity to earn a Referral Bonus. Visit the Referral Center to learn more or call us with any questions.