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Marcus by Goldman Sachs Online Savings – 3.65% APY + Up to $1,500 Cash Bonus (Enroll by 3/11/26)

+3 Deal Score
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Marcus by Goldman Sachs is offering a limited-time cash bonus up to $1,500 when you open or enroll an Online Savings Account and deposit qualifying new funds. On top of that, the account earns a competitive 3.65% APY (FDIC insured).

Bonus tiers:
• 💵 Deposit $10,000+ → $100 bonus
• 💵 Deposit $50,000+ → $750 bonus
• 💵 Deposit $100,000+ → $1,500 bonus

📅 Enroll by: March 11, 2026



📝 How to Qualify
1. Enroll in the offer
• New customers: Open a Marcus Online Savings Account and enroll
• Existing customers: Log in and enroll your savings account
2. Deposit new funds
• Deposit qualifying amount within 10 calendar days
3. Maintain balance
• Keep the funds in the account for 90 days after the 10-day funding period
4. Get paid
• Bonus is deposited automatically within 14 days after requirements are met



✅ Why This Is a Good Deal
• 🔒 FDIC insured (Goldman Sachs Bank USA)
• 📈 3.65% APY (about 8× national average)
• 💰 High cash bonus for savers with larger balances
• 🕒 No monthly fees
• 📞 24/7 customer service
• 📱 Easy online access



⚠️ Important Notes
• Bonus requires new funds only
• Withdrawals during the 90-day period may reduce or cancel the bonus
• Existing customers must also maintain their starting balances
• CD withdrawals or transfers out may impact eligibility



🧠 Bottom Line

If you have $10K–$100K+ sitting in low-interest savings, this is a solid low-risk, guaranteed return deal. Especially strong for those who can park $100K for 3 months and grab the $1,500 bonus + interest.

https://www.marcus.com/us/en/savi...vingsbonus
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Created Yesterday at 04:44 PM by slickdealrocker
in Finance Marcus - Bank Advertiser
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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Joined Sep 2010
L8: Grand Teacher
> bubble2 3,692 Posts
820 Reputation
Pro
misel00
Yesterday at 09:26 PM.
Yesterday at 09:26 PM.
They have not had this type of offer in a few years now...
1
Reply
Joined Sep 2013
L3: Novice
> bubble2 790 Posts
69 Reputation
chucktaylur
Yesterday at 09:31 PM.
Yesterday at 09:31 PM.
Is this for new customers only? I closed my account last January.
Reply
Joined Sep 2011
$
> bubble2 3,015 Posts
1,121 Reputation
Pro
E4300
Yesterday at 10:31 PM.
Yesterday at 10:31 PM.
Best case is no drop in 3.65% (equivalent to 4 week T-bill) rate in 90 days. True rate is 3.65% minus 11% CA tax, or 3.248%. Pay $100.50 CA tax and get $1500 cash. Easy cash without the BS direct deposit.

Best option is to link your Treasury Direct account to GS and move the $ back and forth. The risk is GS dropping the rate by 1 or 2% after 03/11/26. If this happens, then move the money back to Treasury Direct. One can capture the 4 week Treasury Direct auction every Monday before 8 am PST. Gotta be careful with these bankers.
Reply
Last edited by E4300 January 29, 2026 at 10:40 PM.
Joined Sep 2011
$
> bubble2 3,015 Posts
1,121 Reputation
Pro
E4300
Yesterday at 10:33 PM.
Yesterday at 10:33 PM.
Quote from chucktaylur :
Is this for new customers only? I closed my account last January.
New or existing.
Reply
Joined Feb 2008
L9: Master
> bubble2 4,427 Posts
1,106 Reputation
Namelessme
Yesterday at 10:42 PM.
Yesterday at 10:42 PM.
Quote from E4300 :
Best case is no drop in 3.65% (equivalent to 4 week T-bill) rate in 90 days. True rate is 3.65% minus 11% CA tax, or 3.248%. Pay $100.50 CA tax and get $1500 cash. Easy cash without the BS direct deposit.

Best option is to link your Treasury Direct account to GS and move the $ back and forth. The risk is GS dropping the rate by 1 or 2% after 03/11/26. If this happens, then move the money back to Treasury Direct. One can capture the 4 week auction every Monday before 8 am PST. Gotta be careful with these bankers.

How does Treasury Direct play into this? I mean, yeah, it's an option if someone wants to grab some T-bills, but just wondering why specifically mentioned? One can buy treasuries from any brokerage.

And a 1-2% drop would be unusually large, although one never knows. But if we say rates dropped 1%, I'd expect treasuries would have dropped by about the same.
Reply
Joined May 2006
E - 1/2 - junk - 3/4 - F
> bubble2 3,686 Posts
537 Reputation
dregan
Today at 12:03 AM.
Today at 12:03 AM.
I don't have a lot of confidence in these guys, lots of stories of them locking accounts and they weren't even able to verify my phone number which I've had no trouble with other banks
Reply
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