Marcus Online Savings
The default HYSA recommendation for most people. No minimums, no fees, straightforward.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- APY: 3.40%
- Monthly fee: $0
- Minimum deposit: $0
FairPrice score: 84/100
Features
- No fees ever
- Same-day transfers up to $100k
- 24/7 US phone support
Pros
- No minimums
- Trusted Goldman brand
- Clean mobile app
Cons
- No checking / debit card
- No physical branches
- No ATM access
Best for
- no fees
- beginners
- emergency fund
Official source · Last verified 2026-10-05