Ally Bank vs Marcus by Goldman Sachs
type: Article
description: Ally Bank offers higher savings rates (4.50% APY) and more diverse products including checking and auto loans, while Marcus focuses exclusively on savings accounts and personal loans with a competitive 4.50% APY but simpler product lineup.
language: en-US
date published: 2026-07-09T06:52:22.241Z
date created: 2026-07-09T06:52:22.241Z
date modified: 2026-07-09T06:52:22.281Z
content reference time: 2026-07-09T06:52:22.281Z
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 more diverse products including checking and auto loans, while Marcus focuses exclusively on savings accounts and personal loans with a competitive 4.50% APY but simpler product lineup.
text: High-Yield Savings Rate. Product Diversity. Minimum Deposit Required. Monthly Maintenance Fees. Mobile App Rating (iOS). CD Term Options Available. Customer Service Availability
conclusion text: Choose Ally Bank if you want a comprehensive banking solution with checking accounts, auto loans, CDs, and mortgages all in one place. Choose Marcus by Goldman Sachs if you prefer simplicity and want to focus purely on high-yield savings with no distractions, backed by the prestige of Goldman Sachs.
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 fees) | 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% - 4.50% | 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: Physical Branch Locations
  type: PropertyValue
  value: Ally Bank: 0 branches | 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: $250,000 (mortgage products) | Marcus by Goldman Sachs: $40,000
  value reference: Ally Bank
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: 852 (2024) | Marcus by Goldman Sachs: N/A
additional property: Total Assets Under Management
  type: PropertyValue
  value: Ally Bank: $181 billion (2023) | Marcus by Goldman Sachs: $95 billion
  value reference: Ally Bank
additional property: Personal Loan APR Range
  type: PropertyValue
  value: Ally Bank: Not available | Marcus by Goldman Sachs: 6.99%-35.97%
additional property: Minimum Deposit to Open Account
  type: PropertyValue
  value: Ally Bank: $0 | Marcus by Goldman Sachs: $0
additional property: Checking Account Availability
  type: PropertyValue
  value: Ally Bank: Yes - no monthly fees | Marcus by Goldman Sachs: Not available
additional property: Mobile App Store Rating (iOS)
  type: PropertyValue
  value: Ally Bank: 4.6/5 | Marcus by Goldman Sachs: 4.7/5
  value reference: Marcus by Goldman Sachs
additional property: Number of Product Categories
  type: PropertyValue
  value: Ally Bank: 6+ types | Marcus by Goldman Sachs: 2 types
  value reference: Ally Bank
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: 4.25% | Marcus by Goldman Sachs: 4.50%
  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%
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-by-goldman-sachs))
significant link: https://www.aversusb.net/api/v1/schema/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/ally-bank-vs-marcus-by-goldman-sachs)
related link: https://www.aversusb.net/compare/ally-vs-marcus)
related link: https://www.aversusb.net/compare/ally-bank-vs-marcus)
related link: https://www.aversusb.net/compare/ally-vs-marcus))
related link: https://www.aversusb.net/compare/ally-bank-vs-capital-one)
related link: https://www.aversusb.net/compare/chase-vs-ally-bank)
related link: https://www.aversusb.net/compare/wells-fargo-vs-ally-bank)
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: Full-service digital bank offering savings, checking, CDs, auto loans, mortgages, and investments
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: Specialized online bank focused exclusively on high-yield savings accounts and personal loans
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 99 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
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  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: Digital 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: Interest Rates
variable measured: Money Market Account APY
  type: PropertyValue
  value reference: Savings Products
variable measured: Physical Branch Locations
  type: PropertyValue
  value reference: Distribution
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: Borrowing Options
variable measured: Monthly Checking Account Fee
  type: PropertyValue
  value reference: Fees
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
variable measured: Personal Loan APR Range
  type: PropertyValue
  value reference: Lending Products
variable measured: Minimum Deposit to Open Account
  type: PropertyValue
  value reference: Account Requirements
variable measured: Checking Account Availability
  type: PropertyValue
  value reference: Account Types
variable measured: Mobile App Store Rating (iOS)
  type: PropertyValue
  value reference: User Experience
variable measured: Number of Product Categories
  type: PropertyValue
  value reference: Service Breadth
variable measured: 1-Year CD Rate
  type: PropertyValue
  value reference: Savings Products
variable measured: Personal Loan APR (Best Rate)
  type: PropertyValue
  value reference: Loan Terms
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: Deposit 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: Deposit Products
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
variable measured: Mobile App Rating (iOS)
variable measured: FDIC Insurance Coverage
variable measured: CD Term Options Available
variable measured: 12-Month CD Rate
variable measured: Debit Card Cashback
variable measured: Monthly Checking Fee
variable measured: Monthly Savings Fee
variable measured: Checking Account Monthly Fee
is based on: https://www.aversusb.net/compare/ally-bank-vs-marcus-by-goldman-sachs))

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: Digital Experience
has defined term: Earnings
has defined term: Product Variety
has defined term: Interest Rates
has defined term: Savings Products
has defined term: Distribution
has defined term: Lending Products
has defined term: Service Quality
has defined term: Deposit Products
has defined term: Customer Service
has defined term: Borrowing Options
has defined term: Lending
has defined term: Savings Rates
has defined term: Scale
has defined term: Account Types
has defined term: Service Breadth
has defined term: Loan Terms
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: Digital Tools
has defined term: Safety
has defined term: Checking Features
has defined term: Banking Costs
has defined term: Credit Products
has defined term: Support
has defined term: Product Offerings
has defined term: Interest & Fees
has defined term: Loan Limits
has defined term: Loan Parameters
has defined term: Speed & Service
has defined term: Credit Requirements
has defined term: Flexibility
has defined term: Total Cost
has defined term: Borrowing
has defined term: Eligibility

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

Digital Experience
type: DefinedTerm
term code: digital-experience
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

Interest Rates
type: DefinedTerm
term code: interest-rates
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

Distribution
type: DefinedTerm
term code: distribution
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

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

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

Service Breadth
type: DefinedTerm
term code: service-breadth
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

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

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

Safety
type: DefinedTerm
term code: safety
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

Banking Costs
type: DefinedTerm
term code: banking-costs
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

Product Offerings
type: DefinedTerm
term code: product-offerings
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 Limits
type: DefinedTerm
term code: loan-limits
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

Credit Requirements
type: DefinedTerm
term code: credit-requirements
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

Total Cost
type: DefinedTerm
term code: total-cost
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

Eligibility
type: DefinedTerm
term code: eligibility
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: 2026-07-09T06:52:22.281Z
author: A Versus B
publisher: A Versus B
is part of: ally-bank-vs-marcus-by-goldman-sachs))
main entity: Which bank has the better savings rate?
  type: Question
  accepted answer: Answer
    text: Both Ally Bank and Marcus by Goldman Sachs offer identical 4.50% APY on high-yield savings accounts as of 2026. Neither has an advantage—rates change frequently based on Federal Reserve decisions, so you should check current rates directly. However, Ally offers additional high-yield CD options (up to 4.35% APY for 5-year terms) if you want to lock in returns for longer periods.
    language: en-US
main entity: Can I get a checking account with either bank?
  type: Question
  accepted answer: Answer
    text: Only Ally Bank offers a checking account (with no monthly fees and debit card access). Marcus by Goldman Sachs does not offer checking accounts at all—it focuses exclusively on savings accounts and personal loans. If you need a complete banking solution, Ally is the only option between these two.
    language: en-US
main entity: What are the personal loan APRs and maximum amounts?
  type: Question
  accepted answer: Answer
    text: Ally Bank personal loans range from 5.99%-16.99% APR with maximums up to $250,000 (when combined with mortgage products). Marcus personal loans range from 7.74%-25.99% APR with a maximum of $40,000. Ally offers significantly better rates and higher borrowing capacity, making it more competitive for larger loans.
    language: en-US
main entity: Are there any monthly fees or minimum deposits?
  type: Question
  accepted answer: Answer
    text: Neither bank charges monthly maintenance fees or requires a minimum opening deposit. Both offer completely fee-free accounts, making them equally accessible for customers just starting out or those with limited funds.
    language: en-US
main entity: Which bank has better customer service?
  type: Question
  accepted answer: Answer
    text: Both offer 24/7 support, but Marcus by Goldman Sachs provides phone, chat, AND email support, while Ally offers phone and chat only. For simple savings account questions, this difference is minimal, but Marcus's email option may be preferable if you prefer written communication.
    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 more diverse products including checking and auto loans, while Marcus focuses exclusively on savings accounts and personal loans with a competitive 4.50% APY but simpler product lineup.
language: en-US
total time: PT3M
step: Consider: High-Yield Savings Rate
step: Consider: Product Diversity
step: Consider: Minimum Deposit Required
step: Consider: Monthly Maintenance Fees
step: Consider: Mobile App Rating (iOS)
step: Consider: CD Term Options Available
step: Consider: Customer Service Availability
tool: A Versus B Comparison Guide
tip: HowToTip
  text: Choose Ally Bank if you want a comprehensive banking solution with checking accounts, auto loans, CDs, and mortgages all in one place. Choose Marcus by Goldman Sachs if you prefer simplicity and want to focus purely on high-yield savings with no distractions, backed by the prestige of Goldman Sachs.

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

Consider: Product Diversity
type: HowToStep
position: 2
text: Product Diversity: Ally Bank has Checking, Savings, CDs, Auto Loans, Mortgages, Personal Loans, while Marcus by Goldman Sachs has Savings Accounts, Personal Loans Only.

Consider: Minimum Deposit Required
type: HowToStep
position: 3
text: Minimum Deposit Required: Ally Bank has $0, while Marcus by Goldman Sachs has $0.

Consider: Monthly Maintenance Fees
type: HowToStep
position: 4
text: Monthly Maintenance 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 4.6/5 stars, while Marcus by Goldman Sachs has 4.7/5 stars.

Consider: CD Term Options Available
type: HowToStep
position: 6
text: CD Term Options Available: Ally Bank has 3 months to 5 years (12 terms), while Marcus by Goldman Sachs has Not Offered.

Consider: Customer Service Availability
type: HowToStep
position: 7
text: Customer Service Availability: Ally Bank has 24/7 phone and chat, while Marcus by Goldman Sachs has 24/7 phone, chat, and email.

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 more diverse products including checking and auto loans, while Marcus focuses exclusively on savings accounts and personal loans with a competitive 4.50% APY but simpler product lineup.
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

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

Savings Account APY
type: PropertyValue
value: Ally Bank: 4.50% | Marcus by Goldman Sachs: N/A

Credit Card Products
type: PropertyValue
value: Ally Bank: 0 options | Marcus by Goldman Sachs: 0 products

Personal Loan Maximum
type: PropertyValue
value: Ally Bank: Not available | Marcus by Goldman Sachs: N/A

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: 4.35%
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

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

Monthly Maintenance Fee (Standard Checking)
type: PropertyValue
value: Ally Bank: $0 (no fee ever) | Marcus by Goldman Sachs: N/A

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

Customer Service Phone Wait Time
type: PropertyValue
value: Ally Bank: 1-2 minutes average | Marcus by Goldman Sachs: N/A

High-Yield Savings Rate
type: PropertyValue
value: Ally Bank: 4.50% | Marcus by Goldman Sachs: 4.50%

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

CD Product Options
type: PropertyValue
value: Ally Bank: 12 terms (3mo to 5yr) | Marcus by Goldman Sachs: Not offered
value reference: Ally Bank

Mobile App Rating (iOS 2026)
type: PropertyValue
value: Ally Bank: 4.6 stars | Marcus by Goldman Sachs: 4.7 stars
value reference: Marcus by Goldman Sachs

Core Banking Products Available
type: PropertyValue
value: Ally Bank: 6 (checking, savings, CDs, auto loans, mortgages, personal loans) | Marcus by Goldman Sachs: 2 (savings, personal loans)
value reference: Ally Bank

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%

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

SpeakableSpecification
css selector: #short-answer
css selector: #verdict
css selector: #key-differences
css selector: #faq
xpath: //*[@id='short-answer']
xpath: //*[@id='verdict']

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-by-goldman-sachs))
object: Ally Bank
object: Marcus by Goldman Sachs

Minimum CD Deposit
type: PropertyValue
value reference: Accessibility

Mobile App Rating (iOS)
type: PropertyValue
value reference: Digital Tools

FDIC Insurance Coverage
type: PropertyValue
value reference: Safety

CD Term Options Available
type: PropertyValue
value reference: Product Variety

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

Debit Card Cashback
type: PropertyValue
value reference: Checking Features

Monthly Checking Fee
type: PropertyValue
value reference: Fees

Monthly Savings Fee
type: PropertyValue
value reference: Fees

Checking Account Monthly Fee
type: PropertyValue
value reference: Banking Costs

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

Monthly Maintenance Fee (Standard Checking)
type: PropertyValue
value reference: Fees

ATM Network Size
type: PropertyValue
value reference: Accessibility

Customer Service Phone Wait Time
type: PropertyValue
value reference: Customer Service

High-Yield Savings Rate
type: PropertyValue
value reference: Rates & Returns

Minimum Account Opening Deposit
type: PropertyValue
value reference: Accessibility

CD Product Options
type: PropertyValue
value reference: Product Offerings

Mobile App Rating (iOS 2026)
type: PropertyValue
value reference: User Experience

Core Banking Products Available
type: PropertyValue
value reference: Product Offerings

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 Limits

Minimum Loan Amount
type: PropertyValue
value reference: Loan Parameters

Funding Speed
type: PropertyValue
value reference: Speed & Service

Minimum Credit Score
type: PropertyValue
value reference: Credit Requirements

Loan Term Options
type: PropertyValue
value reference: Flexibility

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

Physical Locations
type: PropertyValue
value reference: Accessibility