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.
Ally Bank vs Marcus by Goldman Sachs — Side-by-side comparison on A Versus B
Full-service digital bank offering savings, checking, CDs, auto loans, mortgages, and investments
Specialized online bank focused exclusively on high-yield savings accounts and personal loans
High-Yield Savings Rate. Product Diversity. Minimum Deposit Required. Monthly Maintenance Fees. Mobile App Rating (iOS). CD Term Options Available. Customer Service Availability
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.
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 fees) | 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% - 4.50% | Marcus by Goldman Sachs: 4.50%
Ally Bank: 4.20% | Marcus by Goldman Sachs: N/A
Ally Bank: 0 branches | 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: $250,000 (mortgage products) | Marcus by Goldman Sachs: $40,000
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: 852 (2024) | Marcus by Goldman Sachs: N/A
Ally Bank: $181 billion (2023) | Marcus by Goldman Sachs: $95 billion
Ally Bank: Not available | Marcus by Goldman Sachs: 6.99%-35.97%
Ally Bank: Yes - no monthly fees | Marcus by Goldman Sachs: Not available
Ally Bank: 4.6/5 | Marcus by Goldman Sachs: 4.7/5
Ally Bank: 6+ types | Marcus by Goldman Sachs: 2 types
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: 4.25% | Marcus by Goldman Sachs: 4.50%
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
Ally Bank: 4.20% | Marcus by Goldman Sachs: 4.35%
Ally Bank: $0 (no overdraft) | 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: $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
Monthly Maintenance Fee (Standard Checking)
Ally Bank: $0 (no fee ever) | Marcus by Goldman Sachs: N/A
Ally Bank: 30,000+ (Allpoint network) | Marcus by Goldman Sachs: N/A
Ally Bank: 1-2 minutes average | Marcus by Goldman Sachs: N/A
Ally Bank: 4.50% | Marcus by Goldman Sachs: 4.50%
Ally Bank: 12 terms (3mo to 5yr) | Marcus by Goldman Sachs: Not offered
Ally Bank: 4.6 stars | Marcus by Goldman Sachs: 4.7 stars
Ally Bank: 6 (checking, savings, CDs, auto loans, mortgages, personal loans) | Marcus by Goldman Sachs: 2 (savings, personal loans)
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: 0 branches
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 99 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.
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.
Can I get a checking account with either bank?
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.
What are the personal loan APRs and maximum amounts?
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.
Are there any monthly fees or minimum deposits?
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.
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.
How to Choose Between Ally Bank and Marcus by Goldman Sachs
High-Yield Savings Rate: Ally Bank has 4.50% APY, while Marcus by Goldman Sachs has 4.50% APY.
Product Diversity: Ally Bank has Checking, Savings, CDs, Auto Loans, Mortgages, Personal Loans, while Marcus by Goldman Sachs has Savings Accounts, Personal Loans Only.
Minimum Deposit Required: Ally Bank has $0, while Marcus by Goldman Sachs has $0.
Monthly Maintenance Fees: Ally Bank has $0, while Marcus by Goldman Sachs has $0.
Mobile App Rating (iOS): Ally Bank has 4.6/5 stars, while Marcus by Goldman Sachs has 4.7/5 stars.
CD Term Options Available: Ally Bank has 3 months to 5 years (12 terms), while Marcus by Goldman Sachs has Not Offered.
Customer Service Availability: Ally Bank has 24/7 phone and chat, while Marcus by Goldman Sachs has 24/7 phone, chat, and email.