United States
activeFeaturedNeobank
- HQ
- Detroit
- Fee
- $0 on core spend/save
Marcus
Goldman Sachs Bank USA. FDIC. Online savings and CDs. Not a checking account. Not a neobank debit.
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7.1Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Online brand of Goldman Sachs Bank USA, Member FDIC. Salt Lake City branch (FDIC / Federal Reserve / NYDFS). Still read the entity on the statement.
If it fails?
FDIC up to $250,000 per depositor per insured bank per ownership category at Goldman Sachs Bank USA
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
$0 savings / CD
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.1
/10 · Solid
Marcus is Goldman Sachs Bank USA. FDIC. Salt Lake City branch. High-yield savings and CDs. NerdWallet still has to write the sentence in 2026: there is no checking account and no ATM. Ally, SoFi and Varo remain the US salary banks on this desk. Park cash here if the APY wins. Do not try to receive payroll on a savings-only object.
What it is
Launched 2016. Personal loans were a SKU; the live US religion is deposits. Directories file it as a neobank because Goldman built an app. It is a bank savings franchise. Read the product list, not the wordmark.
Best for: US persons parking cash at a named bank — not anyone hunting a salary current account.
Last checked 2026-08-30. Not advice.
What it does well
- +Named FDIC bank
- +No monthly fee
- +No minimum on the savings SKU
- +JD Power 2026 savings-segment nod
What to watch
- −No checking
- −No debit / ATM
- −Not Ally’s cash-management breadth
- −UK Marcus lending SKUs are a different history
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- Online savings · CDs
- Partner bank
- Goldman Sachs Bank USA, Member FDIC
- Minimum balance
- $0 savings
- Lowest monthly fee
- $0
- Who can open
- US persons
- Availability
- United States — no checking, no ATM
How money actually moves
- Who holds the cash
- Insured bank deposit
- How money moves
- ACH / USD
- Built for
- Personal · Investing
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Marcus has no card listed on this file.
Licence first
Safety
FDIC up to $250,000 per depositor per insured bank per ownership category at Goldman Sachs Bank USA
Who holds the money: Goldman Sachs Bank USA
- FDIC / Federal Reserve / NYDFSOnline brand of Goldman Sachs Bank USA, Member FDIC. Salt Lake City branch · United States
Fees
- Monthly
- $0 savings / CD
- FX markup
- Not the job
- ATM
- No consumer debit in 2026
- Interest
- HYSA / CD APY — rates move (published daily on marcus.com)
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- –Virtual card
- –Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- USD high-yield savings
- CDs
- FDIC at GS Bank USA
- No checking
- No ATM debit
Score
- Safety25%
- 9.0
- Fees20%
- 8.8
- Features15%
- 5.4
- App15%
- 7.6
- Global15%
- 2.4
- Support10%
- 7.8
Change log
Full logLicence
Goldman Sachs Bank USA — FDIC savings and CDs
No checking. No ATM. Not a neobank debit.
Available in
Straight answers
FAQ
01Is Marcus a bank?
Marcus holds a banking-style licence (FDIC / Federal Reserve / NYDFS). Still read the legal entity on the statement, not the app icon.
02How is money protected?
FDIC up to $250,000 per depositor per insured bank per ownership category at Goldman Sachs Bank USA
03Where is Marcus available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Marcus.
04Card and wallets?
Marcus has no card listed on this file.
05Can I open Marcus remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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