Ally Bank offers higher savings rates (4.50% APY) and checking accounts with no fees, while Marcus focuses exclusively on savings products with a competitive 4.50% APY but lacks checking services and has a $25,000 minimum for some CDs.
Ally Bank vs Marcus by Goldman Sachs — Side-by-side comparison on A Versus B
Digital-only bank specializing in high-yield savings, money market accounts, and no-fee checking with industry-leading rates.
Digital-only financial platform offering high-yield savings accounts and personal loans with no monthly fees or minimum balances.
Savings Account APY. Checking Account Availability. CD Minimum Deposit. Monthly Account Fees. Mobile App Rating (iOS). Customer Service Hours. CD Terms Offered
Choose Ally Bank if you want a complete banking solution with both checking and savings accounts, lower CD minimums, and broader product offerings. Choose Marcus if you prioritize a straightforward, Goldman Sachs-backed savings-only platform with slightly higher app ratings and a minimalist approach.
Ally Bank: 4.6/5 | Marcus by Goldman Sachs: 4.8/5
Ally Bank: $0 | Marcus by Goldman Sachs: $0
Ally Bank: $197.3B | Marcus by Goldman Sachs: Part of Goldman Sachs ($1,100B+)
Ally Bank: Checking, savings, auto financing, investments, CDs | Marcus by Goldman Sachs: Savings accounts, CDs, personal loans
Ally Bank: 4.55% (1-year average) | Marcus by Goldman Sachs: 4.75% (1-year average)
Ally Bank: 88% | Marcus by Goldman Sachs: 95% (estimated from app ratings)
Ally Bank: 4.10% | Marcus by Goldman Sachs: 4.35%
Ally Bank: $0 (no overdraft) | Marcus by Goldman Sachs: N/A
Ally Bank: $0 | Marcus by Goldman Sachs: N/A
Ally Bank: 55,000+ | Marcus by Goldman Sachs: N/A
Ally Bank: 4.7/5 | Marcus by Goldman Sachs: N/A
Ally Bank: $360 (at 3.60% APY) | Marcus by Goldman Sachs: N/A
Ally Bank: 0 | Marcus by Goldman Sachs: N/A
Ally Bank: 4.20% | Marcus by Goldman Sachs: 4.50%
Ally Bank: 4.20% | Marcus by Goldman Sachs: N/A
Ally Bank: Not offered | Marcus by Goldman Sachs: N/A
Ally Bank: 4.1/5 | Marcus by Goldman Sachs: N/A
Ally Bank: 0.10% APY | Marcus by Goldman Sachs: N/A
Ally Bank: 863 | Marcus by Goldman Sachs: N/A
Ally Bank: 0 | Marcus by Goldman Sachs: 0
Ally Bank: 5.99% | Marcus by Goldman Sachs: N/A
Ally Bank: 4.25% | Marcus by Goldman Sachs: N/A
Ally Bank: 4.6/5 (J.D. Power 2024) | Marcus by Goldman Sachs: N/A
Ally Bank: $90B | Marcus by Goldman Sachs: $95 billion
Ally Bank: 4.75% | Marcus by Goldman Sachs: 4.50%
Ally Bank: 6.99% | Marcus by Goldman Sachs: 6.99%
Ally Bank: None | Marcus by Goldman Sachs: None
Ally Bank: 4.7/5 | Marcus by Goldman Sachs: 4.5/5
Ally Bank: 7 (savings, checking, CDs, money market, IRAs, auto loans, mortgages) | Marcus by Goldman Sachs: 4 (savings, CDs, personal loans, HELOC)
Ally Bank: 0.10% | Marcus by Goldman Sachs: Not Offered
Ally Bank: 4.35% | Marcus by Goldman Sachs: 4.60%
Ally Bank: 4.25% | Marcus by Goldman Sachs: 5.00%
Ally Bank: 5.99% | Marcus by Goldman Sachs: 6.99%
Ally Bank: 19.99% | Marcus by Goldman Sachs: 19.99%
Ally Bank: 4.8 (95K reviews) | Marcus by Goldman Sachs: 4.7 (42K reviews)
Ally Bank: 4.50% | Marcus by Goldman Sachs: N/A
Ally Bank: 0 options | Marcus by Goldman Sachs: 0 products
Ally Bank: Not available | Marcus by Goldman Sachs: N/A
Ally Bank: 2 minutes | Marcus by Goldman Sachs: N/A
Customer Satisfaction Score (JD Power 2024)
Ally Bank: 799 | Marcus by Goldman Sachs: N/A
Ally Bank: 5.24% | Marcus by Goldman Sachs: N/A
Ally Bank: 0.10% | Marcus by Goldman Sachs: N/A
Ally Bank: 4.35% | Marcus by Goldman Sachs: 4.25%
Ally Bank: $0 | Marcus by Goldman Sachs: $2,500-$25,000
Ally Bank: 4.7/5 | Marcus by Goldman Sachs: 4.8 stars
Ally Bank: $250,000 | Marcus by Goldman Sachs: $250,000
Ally Bank: 7 options | Marcus by Goldman Sachs: 6 options
Ally Bank: 4.30% | Marcus by Goldman Sachs: N/A
Ally Bank: 0% | Marcus by Goldman Sachs: N/A
Ally Bank: 30,000 | Marcus by Goldman Sachs: N/A
Ally Bank: $0 (no conditions) | Marcus by Goldman Sachs: N/A
Ally Bank: 0 cards | Marcus by Goldman Sachs: N/A
Ally Bank: $0B (not offered) | Marcus by Goldman Sachs: N/A
Ally Bank: 24/7 phone + chat | Marcus by Goldman Sachs: N/A
Ally Bank: N/A | Marcus by Goldman Sachs: 13.99%
Ally Bank: N/A | Marcus by Goldman Sachs: 0 ATMs
Ally Bank: N/A | Marcus by Goldman Sachs: $0 (0%)
Ally Bank: N/A | Marcus by Goldman Sachs: 6.99% - 36%
Ally Bank: N/A | Marcus by Goldman Sachs: $40,000
Ally Bank: N/A | Marcus by Goldman Sachs: $3,500
Ally Bank: N/A | Marcus by Goldman Sachs: 2-5 business days
Ally Bank: N/A | Marcus by Goldman Sachs: 660
Ally Bank: N/A | Marcus by Goldman Sachs: 3, 5, 7
Cost Comparison (36-Month $10,000 Loan at 12% APR)
Ally Bank: N/A | Marcus by Goldman Sachs: $1,956 (no origination fee)
Ally Bank: N/A | Marcus by Goldman Sachs: 72 months
Ally Bank: N/A | Marcus by Goldman Sachs: 660+
Ally Bank: N/A | Marcus by Goldman Sachs: None
Ally Bank: N/A | Marcus by Goldman Sachs: 3 terms (3, 5, 7 years)
Ally Bank: N/A | Marcus by Goldman Sachs: ~11.99% - 15.99%
Ally Bank: N/A | Marcus by Goldman Sachs: 6.99%-13.99%
Ally Bank: N/A | Marcus by Goldman Sachs: 0 branches
Ally Bank: N/A | Marcus by Goldman Sachs: No
How to choose between Ally Bank and Marcus by Goldman Sachs
Compare Ally Bank vs Marcus by Goldman Sachs
Ally Bank vs Marcus by Goldman Sachs — Structured Comparison Data
Machine-readable comparison dataset for Ally Bank vs Marcus by Goldman Sachs. Contains 90 attribute comparisons, 5 FAQ pairs.
Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary
Taxonomy of attribute categories used to classify comparison data for Ally Bank vs Marcus by Goldman Sachs.
Which bank offers better interest rates?
Both offer identical 4.50% APY on High Yield Savings Accounts as of 2026. However, Ally offers slightly higher 5-year CD rates at 4.35% vs Marcus at 4.25%. The rates are competitive and change frequently, so compare current rates before opening.
Only Ally Bank provides a debit card through its checking account. Marcus does not offer checking accounts or debit cards, making it savings-only. If you need everyday spending access, Ally is the better choice.
Ally requires $0 minimum to open savings or checking accounts and $0 for most CDs. Marcus requires $0 for savings accounts but $2,500-$25,000 for CDs depending on the term. Ally is more accessible for smaller deposits.
Yes, both banks offer full FDIC insurance coverage up to $250,000 per account category. Your deposits are equally protected at either institution, and both are insured in case of bank failure.
Both offer 24/7 customer support via phone, email, and chat. Marcus has a slightly higher app rating (4.8 vs 4.7 stars), but Ally offers more comprehensive support due to its broader product range. Both are highly rated by users.
How to Choose Between Ally Bank and Marcus by Goldman Sachs
Savings Account APY: Ally Bank has 4.50%, while Marcus by Goldman Sachs has 4.50%.
Checking Account Availability: Ally Bank has Yes (no monthly fees), while Marcus by Goldman Sachs has No (savings only).
CD Minimum Deposit: Ally Bank has $0, while Marcus by Goldman Sachs has $2,500-$25,000.
Monthly Account Fees: Ally Bank has $0, while Marcus by Goldman Sachs has $0.
Mobile App Rating (iOS): Ally Bank has 4.7/5 stars, while Marcus by Goldman Sachs has 4.8/5 stars.
Customer Service Hours: Ally Bank has 24/7 phone support, while Marcus by Goldman Sachs has 24/7 phone support.
CD Terms Offered: Ally Bank has 7 options (3mo-5yr), while Marcus by Goldman Sachs has 6 options (4mo-5yr).