Chase is a traditional full-service bank with 4,700+ branches and comprehensive banking products, while Marcus is a digital-only savings and loan platform focused on high-yield accounts and personal loans without physical locations. Chase offers broader services but Marcus typically delivers higher savings rates.
Chase Bank vs Marcus by Goldman Sachs — Side-by-side comparison on A Versus B
Major U.S. retail bank offering checking, savings, credit cards, mortgages, and investment services with 4,700+ branches.
Digital-only financial platform offering high-yield savings accounts and personal loans with no monthly fees or minimum balances.
Business Model. High-Yield Savings Rate (2026). Physical Branch Locations. Checking Account Availability. Personal Loan APR Range. Credit Card Options. Customer Service Availability
Choose Chase if you need a comprehensive banking relationship with checking, credit cards, mortgages, investment services, and physical branch access for deposits and consultations. Choose Marcus if you prioritize saving money through high-yield savings accounts (4.50% vs 0.01%) and competitive personal loan rates, and are comfortable managing everything online without physical branches.
Chase Bank: 0.01% | Marcus by Goldman Sachs: N/A
Chase Bank: 4,700+ | Marcus by Goldman Sachs: 0
Chase Bank: $0-$12 (varies) | Marcus by Goldman Sachs: $0
Chase Bank: $34 per occurrence | Marcus by Goldman Sachs: N/A
Chase Bank: $0-$100 (varies by product) | Marcus by Goldman Sachs: N/A
Chase Bank: 55,000+ | Marcus by Goldman Sachs: N/A
Chase Bank: 4.5 stars (2.1M reviews) | Marcus by Goldman Sachs: N/A
Chase Bank: $1 (at 0.01% APY) | Marcus by Goldman Sachs: N/A
Chase Bank: 4,700+ | Marcus by Goldman Sachs: N/A
Chase Bank: 6.99% | Marcus by Goldman Sachs: 6.99%
Chase Bank: 24.99% | Marcus by Goldman Sachs: 13.99%
Chase Bank: 16,000+ ATMs | Marcus by Goldman Sachs: 0 ATMs
Chase Bank: 50+ options | Marcus by Goldman Sachs: 0 products
Chase Bank: $0 - $25 | Marcus by Goldman Sachs: $0
Chase Bank: 60+ | Marcus by Goldman Sachs: N/A
Chase Bank: 80% (J.D. Power 2024) | Marcus by Goldman Sachs: N/A
Chase Bank: $3.8 trillion | Marcus by Goldman Sachs: $95 billion
Chase Bank: $12/month (waivable) | Marcus by Goldman Sachs: N/A
Chase Bank: $15-45 per transfer | Marcus by Goldman Sachs: N/A
Chase Bank: 10.2% (largest) | Marcus by Goldman Sachs: N/A
Chase Bank: iOS, Android, web—24/7 support | Marcus by Goldman Sachs: N/A
Chase Bank: 26% | Marcus by Goldman Sachs: N/A
Chase Bank: 156 million | Marcus by Goldman Sachs: N/A
Chase Bank: 5x points | Marcus by Goldman Sachs: N/A
Chase Bank: 99% | Marcus by Goldman Sachs: N/A
Chase Bank: $95-$695 | Marcus by Goldman Sachs: N/A
Chase Bank: 0-3% | Marcus by Goldman Sachs: N/A
Chase Bank: 0.15% | Marcus by Goldman Sachs: N/A
Chase Bank: $750 annually | Marcus by Goldman Sachs: N/A
Chase Bank: 0.01% | Marcus by Goldman Sachs: 4.50%
Chase Bank: 5.99%-21.24% | Marcus by Goldman Sachs: 6.99%-13.99%
Chase Bank: 4,700+ branches | Marcus by Goldman Sachs: 0 branches
Chase Bank: Yes, with debit card | Marcus by Goldman Sachs: No
Chase Bank: 4.7 stars | Marcus by Goldman Sachs: 4.8 stars
Chase Bank: $12 (waivable) | Marcus by Goldman Sachs: $0
Chase Bank: N/A | Marcus by Goldman Sachs: 4.35%
Chase Bank: N/A | Marcus by Goldman Sachs: 4.75% (1-year average)
Chase Bank: N/A | Marcus by Goldman Sachs: Part of Goldman Sachs ($1,100B+)
Chase Bank: N/A | Marcus by Goldman Sachs: 4.8/5
Chase Bank: N/A | Marcus by Goldman Sachs: $0
Chase Bank: N/A | Marcus by Goldman Sachs: Savings accounts, CDs, personal loans
Chase Bank: N/A | Marcus by Goldman Sachs: 95% (estimated from app ratings)
Chase Bank: N/A | Marcus by Goldman Sachs: $0 (0%)
Chase Bank: N/A | Marcus by Goldman Sachs: 6.99% - 36%
Chase Bank: N/A | Marcus by Goldman Sachs: $40,000
Chase Bank: N/A | Marcus by Goldman Sachs: $3,500
Chase Bank: N/A | Marcus by Goldman Sachs: 2-5 business days
Chase Bank: N/A | Marcus by Goldman Sachs: 660
Chase Bank: N/A | Marcus by Goldman Sachs: 3, 5, 7
Cost Comparison (36-Month $10,000 Loan at 12% APR)
Chase Bank: N/A | Marcus by Goldman Sachs: $1,956 (no origination fee)
Chase Bank: N/A | Marcus by Goldman Sachs: 72 months
Chase Bank: N/A | Marcus by Goldman Sachs: 660+
Chase Bank: N/A | Marcus by Goldman Sachs: None
Chase Bank: N/A | Marcus by Goldman Sachs: 4.50%
Chase Bank: N/A | Marcus by Goldman Sachs: 4.5/5
Chase Bank: N/A | Marcus by Goldman Sachs: 4 (savings, CDs, personal loans, HELOC)
Chase Bank: N/A | Marcus by Goldman Sachs: Not Offered
Chase Bank: N/A | Marcus by Goldman Sachs: 4.60%
Chase Bank: N/A | Marcus by Goldman Sachs: 5.00%
Chase Bank: N/A | Marcus by Goldman Sachs: 6.99%
Chase Bank: N/A | Marcus by Goldman Sachs: 19.99%
Chase Bank: N/A | Marcus by Goldman Sachs: 4.7 (42K reviews)
Chase Bank: N/A | Marcus by Goldman Sachs: 3 terms (3, 5, 7 years)
Chase Bank: N/A | Marcus by Goldman Sachs: ~11.99% - 15.99%
Chase Bank: N/A | Marcus by Goldman Sachs: N/A
Chase Bank: N/A | Marcus by Goldman Sachs: 4.25%
Chase Bank: N/A | Marcus by Goldman Sachs: $2,500-$25,000
Chase Bank: N/A | Marcus by Goldman Sachs: $250,000
Chase Bank: N/A | Marcus by Goldman Sachs: 6 options
How to choose between Chase Bank and Marcus by Goldman Sachs
Compare Chase Bank vs Marcus by Goldman Sachs
Chase Bank vs Marcus by Goldman Sachs — Structured Comparison Data
Machine-readable comparison dataset for Chase Bank vs Marcus by Goldman Sachs. Contains 76 attribute comparisons, 5 FAQ pairs.
Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary
Taxonomy of attribute categories used to classify comparison data for Chase Bank vs Marcus by Goldman Sachs.
Marcus offers significantly higher savings rates at 4.50% APY compared to Chase's 0.01% APY (2026 rates). On a $10,000 deposit, Marcus would earn $450 annually versus just $1 at Chase—a $449 difference. Marcus is specifically designed as a high-yield savings platform, while Chase prioritizes its broader banking ecosystem.
Can I use both Chase and Marcus together?
Yes, many customers use both. They keep their primary checking and bill pay at Chase while opening a Marcus high-yield savings account for emergency funds or short-term savings goals. You can transfer money between them via ACH transfers (typically 1-3 business days), though Marcus lacks checking features so it's savings-only.
Yes, Marcus savings accounts are FDIC insured up to $250,000 per depositor, same as Chase. Both are equally safe for deposits, though Marcus lacks the physical branch reassurance some customers prefer. The FDIC insurance guarantee is federal and applies to all eligible institutions.
Marcus typically offers better personal loan rates (6.99%-13.99% APR) compared to Chase (5.99%-21.24% APR), though your exact rate depends on credit score and loan amount. Marcus's maximum APR is 8-13 points lower than Chase's ceiling, making it generally more favorable for borrowers with fair to good credit.
Chase allows in-branch cash deposits at any of its 4,700+ locations. Marcus, being digital-only, cannot accept cash deposits—you must transfer funds electronically via ACH, wire transfer, or external bank accounts. This is a key limitation if you handle physical cash regularly.
How to Choose Between Chase Bank and Marcus by Goldman Sachs
Business Model: Chase Bank has Traditional retail bank with physical branches, while Marcus by Goldman Sachs has Digital-only online platform.
Consider: High-Yield Savings Rate (2026)
High-Yield Savings Rate (2026): Chase Bank has 0.01% APY, while Marcus by Goldman Sachs has 4.50% APY.
Physical Branch Locations: Chase Bank has 4,700+ branches nationwide, while Marcus by Goldman Sachs has 0 branches (online only).
Checking Account Availability: Chase Bank has Full checking with debit card and checks, while Marcus by Goldman Sachs has No checking accounts offered.
Personal Loan APR Range: Chase Bank has 5.99%-21.24%, while Marcus by Goldman Sachs has 6.99%-13.99%.
Credit Card Options: Chase Bank has 50+ credit card products, while Marcus by Goldman Sachs has No credit cards.
Customer Service Availability: Chase Bank has Phone, in-branch, online, 24/7, while Marcus by Goldman Sachs has Phone and online only, 24/7.