Ally Bank vs Marcus by Goldman Sachs
type: Article
description: 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.
language: en-US
date published: 2026-07-08T07:42:33.585Z
date created: 2026-07-08T07:42:33.585Z
date modified: 2026-07-08T07:42:33.616Z
content reference time: 2026-07-08T07:42:33.616Z
author: A Versus B
publisher: A Versus B
about: Ally Bank
about: Marcus by Goldman Sachs
abstract: 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.
text: Savings Account APY. Checking Account Availability. CD Minimum Deposit. Monthly Account Fees. Mobile App Rating (iOS). Customer Service Hours. CD Terms Offered
conclusion text: 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.
additional property: Mobile App Rating
  type: PropertyValue
  value: Ally Bank: 4.6/5 | Marcus by Goldman Sachs: 4.8/5
  value reference: Marcus by Goldman Sachs
additional property: Monthly Maintenance Fee
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: $0
additional property: Total Assets Under Management
  type: PropertyValue
  value: Ally Bank: $197.3B | Marcus by Goldman Sachs: Part of Goldman Sachs ($1,100B+)
  value reference: Marcus by Goldman Sachs
additional property: Banking Service Breadth
  type: PropertyValue
  value: Ally Bank: Checking, savings, auto financing, investments, CDs | Marcus by Goldman Sachs: Savings accounts, CDs, personal loans
additional property: Certificate of Deposit (CD) APY
  type: PropertyValue
  value: Ally Bank: 4.55% (1-year average) | Marcus by Goldman Sachs: 4.75% (1-year average)
  value reference: Marcus by Goldman Sachs
additional property: Minimum Initial Deposit
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: $0
additional property: Customer Satisfaction Rate
  type: PropertyValue
  value: Ally Bank: 88% | Marcus by Goldman Sachs: 95% (estimated from app ratings)
  value reference: Marcus by Goldman Sachs
additional property: High-Yield Savings APY
  type: PropertyValue
  value: Ally Bank: 4.10% | Marcus by Goldman Sachs: 4.35%
  value reference: Marcus by Goldman Sachs
additional property: Monthly Maintenance Fee
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: $0
additional property: Overdraft Fee
  type: PropertyValue
  value: Ally Bank: $0 (no overdraft) | Marcus by Goldman Sachs: N/A
additional property: Minimum Balance Required
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: N/A
additional property: Surcharge-Free ATM Network
  type: PropertyValue
  value: Ally Bank: 55,000+ | Marcus by Goldman Sachs: N/A
additional property: Mobile App Rating
  type: PropertyValue
  value: Ally Bank: 4.7/5 | Marcus by Goldman Sachs: N/A
additional property: Interest on $10,000 Savings (Annual)
  type: PropertyValue
  value: Ally Bank: $360 (at 3.60% APY) | Marcus by Goldman Sachs: N/A
additional property: Monthly Account Maintenance Fee
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: $0
additional property: Credit Card Products Available
  type: PropertyValue
  value: Ally Bank: 0 | Marcus by Goldman Sachs: N/A
additional property: High-Yield Savings APY
  type: PropertyValue
  value: Ally Bank: 4.20% | Marcus by Goldman Sachs: 4.50%
  value reference: Marcus by Goldman Sachs
additional property: Money Market Account APY
  type: PropertyValue
  value: Ally Bank: 4.20% | Marcus by Goldman Sachs: N/A
additional property: Minimum Deposit to Open Account
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: N/A
additional property: Physical Branch Locations
  type: PropertyValue
  value: Ally Bank: 0 | Marcus by Goldman Sachs: N/A
additional property: Auto Loan APR Range (Average)
  type: PropertyValue
  value: Ally Bank: Not offered | Marcus by Goldman Sachs: N/A
additional property: Customer Service Rating
  type: PropertyValue
  value: Ally Bank: 4.1/5 | Marcus by Goldman Sachs: N/A
additional property: Minimum Initial Deposit
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: N/A
additional property: Mortgage Lending Availability
  type: PropertyValue
  value: Ally Bank: Not offered | Marcus by Goldman Sachs: N/A
additional property: Checking Account APY
  type: PropertyValue
  value: Ally Bank: 0.10% APY | Marcus by Goldman Sachs: N/A
additional property: JD Power Customer Satisfaction Rating
  type: PropertyValue
  value: Ally Bank: 863 | Marcus by Goldman Sachs: N/A
additional property: Personal Loan Maximum Amount
  type: PropertyValue
  value: Ally Bank: Not offered | Marcus by Goldman Sachs: N/A
additional property: Monthly Checking Account Fee
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: N/A
additional property: Physical Branches
  type: PropertyValue
  value: Ally Bank: 0 | Marcus by Goldman Sachs: 0
additional property: Auto Loan APR (Prime borrower)
  type: PropertyValue
  value: Ally Bank: 5.99% | Marcus by Goldman Sachs: N/A
additional property: CD Rate (12-month)
  type: PropertyValue
  value: Ally Bank: 4.25% | Marcus by Goldman Sachs: N/A
additional property: Customer Satisfaction Score
  type: PropertyValue
  value: Ally Bank: 4.6/5 (J.D. Power 2024) | Marcus by Goldman Sachs: N/A
additional property: Total Assets Under Management
  type: PropertyValue
  value: Ally Bank: $90B | Marcus by Goldman Sachs: $95 billion
  value reference: Marcus by Goldman Sachs
additional property: 1-Year CD Rate
  type: PropertyValue
  value: Ally Bank: 4.75% | Marcus by Goldman Sachs: 4.50%
  value reference: Ally Bank
additional property: Personal Loan APR (Best Rate)
  type: PropertyValue
  value: Ally Bank: 6.99% | Marcus by Goldman Sachs: 6.99%
additional property: Minimum Balance Requirement
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: $0
additional property: Monthly Maintenance Fees
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: $0
additional property: Personal Loan Origination Fee
  type: PropertyValue
  value: Ally Bank: None | Marcus by Goldman Sachs: None
additional property: Customer Service Rating (Trustpilot)
  type: PropertyValue
  value: Ally Bank: 4.7/5 | Marcus by Goldman Sachs: 4.5/5
  value reference: Ally Bank
additional property: Product Categories Offered
  type: PropertyValue
  value: Ally Bank: 7 (savings, checking, CDs, money market, IRAs, auto loans, mortgages) | Marcus by Goldman Sachs: 4 (savings, CDs, personal loans, HELOC)
  value reference: Ally Bank
additional property: Interest Checking Account APY
  type: PropertyValue
  value: Ally Bank: 0.10% | Marcus by Goldman Sachs: Not Offered
additional property: 12-Month CD APY
  type: PropertyValue
  value: Ally Bank: 4.35% | Marcus by Goldman Sachs: 4.60%
  value reference: Marcus by Goldman Sachs
additional property: 60-Month CD APY
  type: PropertyValue
  value: Ally Bank: 4.25% | Marcus by Goldman Sachs: 5.00%
  value reference: Marcus by Goldman Sachs
additional property: Personal Loan APR Floor
  type: PropertyValue
  value: Ally Bank: 5.99% | Marcus by Goldman Sachs: 6.99%
  value reference: Ally Bank
additional property: Personal Loan APR Ceiling
  type: PropertyValue
  value: Ally Bank: 19.99% | Marcus by Goldman Sachs: 19.99%
additional property: Mobile App User Rating
  type: PropertyValue
  value: Ally Bank: 4.8 (95K reviews) | Marcus by Goldman Sachs: 4.7 (42K reviews)
  value reference: Ally Bank
additional property: Savings Account APY
  type: PropertyValue
  value: Ally Bank: 4.50% | Marcus by Goldman Sachs: N/A
additional property: Credit Card Products
  type: PropertyValue
  value: Ally Bank: 0 options | Marcus by Goldman Sachs: 0 products
additional property: Personal Loan Maximum
  type: PropertyValue
  value: Ally Bank: Not available | Marcus by Goldman Sachs: N/A
interactivity type: active
significant link: https://www.aversusb.net/entity/ally-bank
significant link: https://www.aversusb.net/alternatives/ally-bank
significant link: https://www.aversusb.net/entity/marcus-by-goldman-sachs
significant link: https://www.aversusb.net/alternatives/marcus-by-goldman-sachs
significant link: https://www.aversusb.net/api/answer/ally-bank-vs-marcus)
significant link: https://www.aversusb.net/api/v1/schema/ally-bank-vs-marcus)
related link: https://www.aversusb.net/compare/ally-vs-marcus)
related link: https://www.aversusb.net/compare/ally-bank-vs-marcus-by-goldman-sachs
related link: https://www.aversusb.net/compare/ally-bank-vs-marcus-by-goldman-sachs)
related link: https://www.aversusb.net/compare/marcus-vs-discover-personal-loans))
related link: https://www.aversusb.net/compare/ally-bank-vs-discover-bank)
related link: https://www.aversusb.net/compare/bank-of-america-vs-ally-bank)
related link: https://www.aversusb.net/compare/chase-vs-marcus)
related link: https://www.aversusb.net/compare/ally-bank-vs-capital-one)
teaches: How to choose between Ally Bank and Marcus by Goldman Sachs
genre: Finance

primaryImage
type: ImageObject
width: 1200
height: 630
caption: Ally Bank vs Marcus by Goldman Sachs — Side-by-side comparison on A Versus B

A Versus B
type: Organization

Ally Bank
type: Thing
alternate name: AB
language: en-US
description: Digital-only bank specializing in high-yield savings, money market accounts, and no-fee checking with industry-leading rates.
image: ImageObject
  caption: Ally Bank
subject of: Ally Bank vs Marcus by Goldman Sachs
image: ImageObject
  caption: Ally Bank

Marcus by Goldman Sachs
type: Thing
alternate name: MBGS
alternate name: Marcus By Goldman Sachs
language: en-US
description: Digital-only financial platform offering high-yield savings accounts and personal loans with no monthly fees or minimum balances.
image: ImageObject
  caption: Marcus by Goldman Sachs
subject of: Ally Bank vs Marcus by Goldman Sachs
image: ImageObject
  caption: Marcus by Goldman Sachs

Ally Bank vs Marcus by Goldman Sachs — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Ally Bank vs Marcus by Goldman Sachs. Contains 90 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: Mobile App Rating
  type: PropertyValue
  value reference: User Experience
variable measured: Monthly Maintenance Fee
  type: PropertyValue
  value reference: Fees
variable measured: Total Assets Under Management
  type: PropertyValue
  value reference: Company Scale
variable measured: Banking Service Breadth
  type: PropertyValue
  value reference: Features
variable measured: Certificate of Deposit (CD) APY
  type: PropertyValue
  value reference: Rates & Returns
variable measured: Minimum Initial Deposit
  type: PropertyValue
  value reference: Account Requirements
variable measured: Customer Satisfaction Rate
  type: PropertyValue
  value reference: Customer Experience
variable measured: High-Yield Savings APY
  type: PropertyValue
  value reference: Rates & Returns
variable measured: Monthly Maintenance Fee
  type: PropertyValue
  value reference: Fees
variable measured: Overdraft Fee
  type: PropertyValue
  value reference: Fees
variable measured: Minimum Balance Required
  type: PropertyValue
  value reference: Account Requirements
variable measured: Surcharge-Free ATM Network
  type: PropertyValue
  value reference: Accessibility
variable measured: Mobile App Rating
  type: PropertyValue
  value reference: User Experience
variable measured: Interest on $10,000 Savings (Annual)
  type: PropertyValue
  value reference: Earnings
variable measured: Monthly Account Maintenance Fee
  type: PropertyValue
  value reference: Fees
variable measured: Credit Card Products Available
  type: PropertyValue
  value reference: Product Variety
variable measured: High-Yield Savings APY
  type: PropertyValue
  value reference: Savings Products
variable measured: Money Market Account APY
  type: PropertyValue
  value reference: Savings Products
variable measured: Minimum Deposit to Open Account
  type: PropertyValue
  value reference: Account Requirements
variable measured: Physical Branch Locations
  type: PropertyValue
  value reference: Accessibility
variable measured: Auto Loan APR Range (Average)
  type: PropertyValue
  value reference: Lending Products
variable measured: Customer Service Rating
  type: PropertyValue
  value reference: Service Quality
variable measured: Minimum Initial Deposit
  type: PropertyValue
  value reference: Account Requirements
variable measured: Mortgage Lending Availability
  type: PropertyValue
  value reference: Lending Products
variable measured: Checking Account APY
  type: PropertyValue
  value reference: Deposit Products
variable measured: JD Power Customer Satisfaction Rating
  type: PropertyValue
  value reference: Customer Service
variable measured: Personal Loan Maximum Amount
  type: PropertyValue
  value reference: Lending Products
variable measured: Monthly Checking Account Fee
  type: PropertyValue
  value reference: Pricing
variable measured: Physical Branches
  type: PropertyValue
  value reference: Accessibility
variable measured: Auto Loan APR (Prime borrower)
  type: PropertyValue
  value reference: Lending
variable measured: CD Rate (12-month)
  type: PropertyValue
  value reference: Savings Rates
variable measured: Customer Satisfaction Score
  type: PropertyValue
  value reference: Customer Experience
variable measured: Total Assets Under Management
  type: PropertyValue
  value reference: Scale & Stability
variable measured: 1-Year CD Rate
  type: PropertyValue
  value reference: Savings Products
variable measured: Personal Loan APR (Best Rate)
  type: PropertyValue
  value reference: Lending Products
variable measured: Minimum Balance Requirement
  type: PropertyValue
  value reference: Account Requirements
variable measured: Monthly Maintenance Fees
  type: PropertyValue
  value reference: Fees
variable measured: Personal Loan Origination Fee
  type: PropertyValue
  value reference: Lending Products
variable measured: Customer Service Rating (Trustpilot)
  type: PropertyValue
  value reference: Customer Experience
variable measured: Product Categories Offered
  type: PropertyValue
  value reference: Product Range
variable measured: Interest Checking Account APY
  type: PropertyValue
  value reference: Checking Products
variable measured: 12-Month CD APY
  type: PropertyValue
  value reference: CD Products
variable measured: 60-Month CD APY
  type: PropertyValue
  value reference: CD Products
variable measured: Personal Loan APR Floor
  type: PropertyValue
  value reference: Lending Products
variable measured: Personal Loan APR Ceiling
  type: PropertyValue
  value reference: Lending Products
variable measured: Mobile App User Rating
  type: PropertyValue
  value reference: Digital Banking
variable measured: Savings Account APY
  type: PropertyValue
  value reference: Deposit Rates
variable measured: Credit Card Products
  type: PropertyValue
  value reference: Products
variable measured: Personal Loan Maximum
  type: PropertyValue
  value reference: Lending Products
variable measured: Average Phone Support Wait Time
  type: PropertyValue
  value reference: Customer Service
variable measured: High-Yield Savings Account APY
  type: PropertyValue
  value reference: Deposits & Savings
variable measured: Overdraft Fee per Occurrence
  type: PropertyValue
  value reference: Fees
variable measured: Customer Satisfaction Score (JD Power 2024)
  type: PropertyValue
  value reference: Customer Experience
variable measured: Auto Loan APR (Average)
  type: PropertyValue
  value reference: Lending Products
variable measured: Checking Account Rate
  type: PropertyValue
  value reference: Earnings
variable measured: 5-Year CD Rate
  type: PropertyValue
  value reference: Earnings
variable measured: Minimum CD Deposit
  type: PropertyValue
  value reference: Accessibility
variable measured: Mobile App Rating (iOS)
  type: PropertyValue
  value reference: User Experience
variable measured: FDIC Insurance Coverage
  type: PropertyValue
  value reference: Security
variable measured: CD Term Options Available
  type: PropertyValue
  value reference: Product Variety
variable measured: 12-Month CD Rate
variable measured: Debit Card Cashback
variable measured: ATM Network Size
variable measured: Monthly Checking Fee
variable measured: Monthly Savings Fee
variable measured: Checking Account Monthly Fee
variable measured: Credit Card Rewards Options
variable measured: Mortgage Origination Volume (2023)
variable measured: Customer Service Hours
is based on: https://www.aversusb.net/compare/ally-bank-vs-marcus)

Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for Ally Bank vs Marcus by Goldman Sachs.
has defined term: User Experience
has defined term: Fees
has defined term: Company Scale
has defined term: Features
has defined term: Rates & Returns
has defined term: Account Requirements
has defined term: Customer Experience
has defined term: Accessibility
has defined term: Earnings
has defined term: Product Variety
has defined term: Savings Products
has defined term: Lending Products
has defined term: Service Quality
has defined term: Deposit Products
has defined term: Customer Service
has defined term: Pricing
has defined term: Lending
has defined term: Savings Rates
has defined term: Scale & Stability
has defined term: Product Range
has defined term: Checking Products
has defined term: CD Products
has defined term: Digital Banking
has defined term: Deposit Rates
has defined term: Products
has defined term: Deposits & Savings
has defined term: Security
has defined term: Checking Features
has defined term: Access & Convenience
has defined term: Credit Products
has defined term: Support
has defined term: Interest & Fees
has defined term: Loan Terms
has defined term: Loan Parameters
has defined term: Speed & Service
has defined term: Eligibility
has defined term: Total Cost
has defined term: Flexibility
has defined term: Borrowing
has defined term: Borrowing Costs

User Experience
type: DefinedTerm
term code: user-experience
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Fees
type: DefinedTerm
term code: fees
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Company Scale
type: DefinedTerm
term code: company-scale
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Features
type: DefinedTerm
term code: features
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Rates & Returns
type: DefinedTerm
term code: rates-&-returns
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Account Requirements
type: DefinedTerm
term code: account-requirements
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Customer Experience
type: DefinedTerm
term code: customer-experience
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Accessibility
type: DefinedTerm
term code: accessibility
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Earnings
type: DefinedTerm
term code: earnings
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Product Variety
type: DefinedTerm
term code: product-variety
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Savings Products
type: DefinedTerm
term code: savings-products
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Lending Products
type: DefinedTerm
term code: lending-products
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Service Quality
type: DefinedTerm
term code: service-quality
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Deposit Products
type: DefinedTerm
term code: deposit-products
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Customer Service
type: DefinedTerm
term code: customer-service
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Pricing
type: DefinedTerm
term code: pricing
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Lending
type: DefinedTerm
term code: lending
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Savings Rates
type: DefinedTerm
term code: savings-rates
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Scale & Stability
type: DefinedTerm
term code: scale-&-stability
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Product Range
type: DefinedTerm
term code: product-range
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Checking Products
type: DefinedTerm
term code: checking-products
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

CD Products
type: DefinedTerm
term code: cd-products
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Digital Banking
type: DefinedTerm
term code: digital-banking
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Deposit Rates
type: DefinedTerm
term code: deposit-rates
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Products
type: DefinedTerm
term code: products
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Deposits & Savings
type: DefinedTerm
term code: deposits-&-savings
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Security
type: DefinedTerm
term code: security
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Checking Features
type: DefinedTerm
term code: checking-features
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Access & Convenience
type: DefinedTerm
term code: access-&-convenience
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Credit Products
type: DefinedTerm
term code: credit-products
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Support
type: DefinedTerm
term code: support
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Interest & Fees
type: DefinedTerm
term code: interest-&-fees
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Loan Terms
type: DefinedTerm
term code: loan-terms
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Loan Parameters
type: DefinedTerm
term code: loan-parameters
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Speed & Service
type: DefinedTerm
term code: speed-&-service
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Eligibility
type: DefinedTerm
term code: eligibility
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Total Cost
type: DefinedTerm
term code: total-cost
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Flexibility
type: DefinedTerm
term code: flexibility
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Borrowing
type: DefinedTerm
term code: borrowing
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Borrowing Costs
type: DefinedTerm
term code: borrowing-costs
in defined term set: Ally Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-07-08T07:42:33.616Z
author: A Versus B
publisher: A Versus B
is part of: ally-bank-vs-marcus)
main entity: Which bank offers better interest rates?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Can I use a debit card with both banks?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: What are the minimum deposits required?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Is my money FDIC insured at both banks?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Which has better customer service?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US

How to Choose Between Ally Bank and Marcus by Goldman Sachs
type: HowTo
description: 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.
language: en-US
total time: PT3M
step: Consider: Savings Account APY
step: Consider: Checking Account Availability
step: Consider: CD Minimum Deposit
step: Consider: Monthly Account Fees
step: Consider: Mobile App Rating (iOS)
step: Consider: Customer Service Hours
step: Consider: CD Terms Offered
tool: A Versus B Comparison Guide
tip: HowToTip
  text: 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.

Consider: Savings Account APY
type: HowToStep
position: 1
text: Savings Account APY: Ally Bank has 4.50%, while Marcus by Goldman Sachs has 4.50%.

Consider: Checking Account Availability
type: HowToStep
position: 2
text: Checking Account Availability: Ally Bank has Yes (no monthly fees), while Marcus by Goldman Sachs has No (savings only).

Consider: CD Minimum Deposit
type: HowToStep
position: 3
text: CD Minimum Deposit: Ally Bank has $0, while Marcus by Goldman Sachs has $2,500-$25,000.

Consider: Monthly Account Fees
type: HowToStep
position: 4
text: Monthly Account Fees: Ally Bank has $0, while Marcus by Goldman Sachs has $0.

Consider: Mobile App Rating (iOS)
type: HowToStep
position: 5
text: Mobile App Rating (iOS): Ally Bank has 4.7/5 stars, while Marcus by Goldman Sachs has 4.8/5 stars.

Consider: Customer Service Hours
type: HowToStep
position: 6
text: Customer Service Hours: Ally Bank has 24/7 phone support, while Marcus by Goldman Sachs has 24/7 phone support.

Consider: CD Terms Offered
type: HowToStep
position: 7
text: CD Terms Offered: Ally Bank has 7 options (3mo-5yr), while Marcus by Goldman Sachs has 6 options (4mo-5yr).

claimreview
type: ClaimReview
is accessible for free: true
conditions of access: Free
claim reviewed: Ally Bank vs Marcus by Goldman Sachs
review body: 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.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: Ally Bank vs Marcus by Goldman Sachs

Average Phone Support Wait Time
type: PropertyValue
value: Ally Bank: 2 minutes | Marcus by Goldman Sachs: N/A

High-Yield Savings Account APY
type: PropertyValue
value: Ally Bank: 4.20% | Marcus by Goldman Sachs: 4.50%
value reference: Marcus by Goldman Sachs

Overdraft Fee per Occurrence
type: PropertyValue
value: Ally Bank: $0 (no overdraft) | Marcus by Goldman Sachs: N/A

Customer Satisfaction Score (JD Power 2024)
type: PropertyValue
value: Ally Bank: 799 | Marcus by Goldman Sachs: N/A

Auto Loan APR (Average)
type: PropertyValue
value: Ally Bank: 5.24% | Marcus by Goldman Sachs: N/A

Checking Account Rate
type: PropertyValue
value: Ally Bank: 0.10% | Marcus by Goldman Sachs: N/A

5-Year CD Rate
type: PropertyValue
value: Ally Bank: 4.35% | Marcus by Goldman Sachs: 4.25%
value reference: Ally Bank

Minimum CD Deposit
type: PropertyValue
value: Ally Bank: $0 | Marcus by Goldman Sachs: $2,500-$25,000
value reference: Ally Bank

Mobile App Rating (iOS)
type: PropertyValue
value: Ally Bank: 4.7/5 | Marcus by Goldman Sachs: 4.8 stars
value reference: Marcus by Goldman Sachs

FDIC Insurance Coverage
type: PropertyValue
value: Ally Bank: $250,000 | Marcus by Goldman Sachs: $250,000

CD Term Options Available
type: PropertyValue
value: Ally Bank: 7 options | Marcus by Goldman Sachs: 6 options
value reference: Ally Bank

12-Month CD Rate
type: PropertyValue
value: Ally Bank: 4.30% | Marcus by Goldman Sachs: N/A

Debit Card Cashback
type: PropertyValue
value: Ally Bank: 0% | Marcus by Goldman Sachs: N/A

ATM Network Size
type: PropertyValue
value: Ally Bank: 30,000 | Marcus by Goldman Sachs: N/A

Monthly Checking Fee
type: PropertyValue
value: Ally Bank: $0 | Marcus by Goldman Sachs: N/A

Monthly Savings Fee
type: PropertyValue
value: Ally Bank: $0 | Marcus by Goldman Sachs: N/A

Checking Account Monthly Fee
type: PropertyValue
value: Ally Bank: $0 (no conditions) | Marcus by Goldman Sachs: N/A

Credit Card Rewards Options
type: PropertyValue
value: Ally Bank: 0 cards | Marcus by Goldman Sachs: N/A

Mortgage Origination Volume (2023)
type: PropertyValue
value: Ally Bank: $0B (not offered) | Marcus by Goldman Sachs: N/A

Customer Service Hours
type: PropertyValue
value: Ally Bank: 24/7 phone + chat | Marcus by Goldman Sachs: N/A

Minimum Opening Deposit
type: PropertyValue
value: Ally Bank: $0 | Marcus by Goldman Sachs: N/A

Personal Loan APR (Worst Rate)
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 13.99%

ATM Network Access
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 0 ATMs

Origination Fee
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: $0 (0%)

APR Range
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 6.99% - 36%

Maximum Loan Amount
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: $40,000

Minimum Loan Amount
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: $3,500

Funding Speed
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 2-5 business days

Minimum Credit Score
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 660

Loan Term Options
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 3, 5, 7

Cost Comparison (36-Month $10,000 Loan at 12% APR)
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: $1,956 (no origination fee)

Maximum Loan Term
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 72 months

Loan Amount Range (Maximum)
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: $40,000

Loan Amount Range (Minimum)
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: $3,500

Minimum Credit Score Required
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 660+

Prepayment Penalty
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: None

Loan Term Options Available
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 3 terms (3, 5, 7 years)

Typical APR for Good Credit (720 score)
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: ~11.99% - 15.99%

Personal Loan APR Range
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 6.99%-13.99%

Physical Locations
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: 0 branches

Checking Account Availability
type: PropertyValue
value: Ally Bank: N/A | Marcus by Goldman Sachs: No

SpeakableSpecification
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Ally Bank — Wikipedia
type: CreativeWork

Marcus by Goldman Sachs — Wikipedia
type: CreativeWork

Compare Ally Bank vs Marcus by Goldman Sachs
type: Action
additional type: CompareAction
target: https://www.aversusb.net/compare/ally-bank-vs-marcus)
object: Ally Bank
object: Marcus by Goldman Sachs

12-Month CD Rate
type: PropertyValue
value reference: Savings Products

Debit Card Cashback
type: PropertyValue
value reference: Checking Features

ATM Network Size
type: PropertyValue
value reference: Access & Convenience

Monthly Checking Fee
type: PropertyValue
value reference: Fees

Monthly Savings Fee
type: PropertyValue
value reference: Fees

Checking Account Monthly Fee
type: PropertyValue
value reference: Fees

Credit Card Rewards Options
type: PropertyValue
value reference: Credit Products

Mortgage Origination Volume (2023)
type: PropertyValue
value reference: Lending Products

Customer Service Hours
type: PropertyValue
value reference: Support

Minimum Opening Deposit
type: PropertyValue
value reference: Account Requirements

Personal Loan APR (Worst Rate)
type: PropertyValue
value reference: Lending

ATM Network Access
type: PropertyValue
value reference: Accessibility

Origination Fee
type: PropertyValue
value reference: Interest & Fees

APR Range
type: PropertyValue
value reference: Interest & Fees

Maximum Loan Amount
type: PropertyValue
value reference: Loan Terms

Minimum Loan Amount
type: PropertyValue
value reference: Loan Parameters

Funding Speed
type: PropertyValue
value reference: Speed & Service

Minimum Credit Score
type: PropertyValue
value reference: Eligibility

Loan Term Options
type: PropertyValue
value reference: Loan Terms

Cost Comparison (36-Month $10,000 Loan at 12% APR)
type: PropertyValue
value reference: Total Cost

Maximum Loan Term
type: PropertyValue
value reference: Flexibility

Loan Amount Range (Maximum)
type: PropertyValue
value reference: Borrowing

Loan Amount Range (Minimum)
type: PropertyValue
value reference: Borrowing

Minimum Credit Score Required
type: PropertyValue
value reference: Eligibility

Prepayment Penalty
type: PropertyValue
value reference: Loan Terms

Loan Term Options Available
type: PropertyValue
value reference: Loan Terms

Typical APR for Good Credit (720 score)
type: PropertyValue
value reference: Interest & Fees

Personal Loan APR Range
type: PropertyValue
value reference: Borrowing Costs

Physical Locations
type: PropertyValue
value reference: Accessibility

Checking Account Availability
type: PropertyValue
value reference: Products