Marcus by Goldman Sachs Online Savings Review: $1500 Bonus + 3.65% APY (Nationwide)

Anyone in the US can sign up for a Marcus by Goldman Sachs Online Savings account and enjoy a high interest rate of 3.65% APY.

Update 3/11/26:

• Offer ends today – you can earn up to $1500 bonus with a new account!
• You can also get a +0.25% Cash Bonus total over 3 months with this link.

Marcus by Goldman Sachs Savings $1500 Savings Bonus

Direct Link to Offer

How to earn bonus:

• Must enroll in the Cash Bonus by 3/11/26.
• Enroll. New customers: Open an Online Savings Account and enroll. Existing customers: Log in and enroll your Online Savings Account.
• Deposit and maintain.
  • First, deposit $10,000, $50,000, or $100,000 into your Enrolled Account within 10 calendar days of enrollment (the Funding Period).
    • $100 bonus: $10,000+ deposit & maintain new funds
    • $750 bonus: $50,000+ deposit & maintain new funds
    • $1.500 bonus: $100,000+ deposit & maintain new funds
  • Next, maintain your New Funds for 90 days from the end of the 10-Day Funding Period.
  • For existing customers, you must also maintain your enrolled savings account starting balance and total combined Marcus starting balance for 90 days.
• Receive cash. Success! We’ll automatically deposit your bonus into your account within 14 calendar days after you fulfill the bonus requirements.

Important disclosures: Enroll your Online Savings Account in the Offer, then deposit (within 10 calendar days of enrollment) and maintain at least $10,000 (for $100 bonus), $50,000 (for $750 bonus), or $100,000 (for $1,500 bonus) of New Funds, plus your balances in your enrolled account and across all Marcus accounts as of 6:00 pm ET on 1/27/26, for 90 days after the 10-day Funding Period. Withdrawals made by you or a joint owner while enrolled, including CD maturities to non-Marcus accounts or CD early withdrawals, may result in a lower bonus or losing eligibility, depending on your balances.

About Marcus by Goldman Sachs Savings 

In December 2017, Goldman Sachs Bank USA re-branded to Marcus by Goldman Sachs. They are owned by the Goldman Sachs Group, Inc., which was established in 1869 and is headquartered in New York.

With such great saving rates you can earn big! This company is exclusively for their online lending business and now offer new and improved mobile experience with the new brand.

Marcus by Goldman Sachs Savings

To earn Marcus by Goldman Sachs competitive rate, simply click on the “Open Account” button for Marcus. Once at Marcus.com, you can start the online application.

• Learn More at Marcus by Goldman Sachs
• Account Type: Online Savings Account
• Availability: Nationwide, Online bank
• Interest Rate: 3.65% APY
• Minimum Balance: None
• Maximum Balance: $3M
• Credit Inquiry: Unknown
• Opening Deposit: None
• Monthly Fee: None
• Early Termination Fee: None listed

(FDIC Insured)

Editor’s Note: You can refer your friends and family to get an additional 1.00% Annual Percentage Yield (APY) on their Online Savings Accounts for 3 months. A customer can receive up to 5 Referral Bonuses per calendar year (which will get you 15 months of the increased rate).

Marcus by Goldman Sachs ACH Capabilities & Limits

There is currently no limit on the number of withdrawals/transfers that can be made.

Maximum outgoing transfer is $125k per transaction if done online (no limit if done by phone).

How to Earn Rate

1. Open a new savings account
2. Then on the offer page click “Open account” then fill in the required steps.
3. You must be at least 18 years old, have a social security number, a legal US address, and a personal checking account in a US bank.
4. Fund the account within 60 days – Make deposits or transfer funds electronically from an internal account here or an external account at another bank.

Why You Should Sign Up For This Account

• No minimum deposit to open
• No transaction fees
• Customer deposit limits apply
• Multiple ways to access your money
• Interest compounded daily, paid monthly
• Rate is variable and may change after the Account is opened
• Six withdrawal limit per statement cycle
• FDIC insurance up to the maximum allowed by law

Bottom Line

Check out Marcus by Goldman Sachs Bank and open an Online Savings account with an amazing rate!  The fact that you can earn a high rate on any balance makes this Savings Account all worthwhile. Let us know about your experience with this bank and comment below.

For more bank offers, see the complete list of Best Bank Rates!

Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, TD Bank,  or CIT Bank.

Check back often to see the latest info on Marcus by Goldman Sachs Online Savings Account.