Marcus Online Savings Account

The conditions, untangled.

Variable standard APY, checked October 11, 2026. Promotional and referral boosts are excluded.

Other conditions to know

• Interest compounds daily and is credited monthly.
• Same-day transfers have conditions; immediate access is not guaranteed.
• Referral boosts are excluded from the rate shown.

Getting to your money.

Linked-bank transfers; no ATM or debit card.

What could that look like for you?

Deposit insurance, in plain words.

The FDIC is a US government agency. If an insured bank fails, it protects deposits up to $250,000 per depositor, per insured bank, for each ownership category (for example, a single account or a joint account).

• The limit counts per bank, not per app or brand name. Money you already hold at Goldman Sachs Bank USA, Salt Lake City Branch adds up with money in this account.
• Member FDIC, according to the bank's official page. Other deposits at the same bank can count toward your coverage limit.
• WalletNoodle is not a bank and is not an FDIC member. This is general information, not a check of your own coverage.

Good comparisons leave a paper trail.

Product facts come from the bank pages listed below. General deposit-insurance information comes from the FDIC link above. We checked them on Oct 11, 2026. The rate effective date is the bank’s own date, which can differ from the day we checked. Our summary and take are our own words; we have not opened or tested this account.

• Marcus account and rate (opens in a new tab) ↗Official provider information
• Marcus account access FAQ (opens in a new tab) ↗Official provider information
• Marcus savings overview (opens in a new tab) ↗Official provider information