Chase Bank vs Marcus by Goldman Sachs
type: Article
description: 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.
language: en-US
date published: 2026-07-08T09:24:38.365Z
date created: 2026-07-08T09:24:38.365Z
date modified: 2026-07-08T09:24:38.425Z
content reference time: 2026-07-08T09:24:38.425Z
author: A Versus B
publisher: A Versus B
about: Chase Bank
about: Marcus by Goldman Sachs
abstract: 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.
text: Business Model. High-Yield Savings Rate (2026). Physical Branch Locations. Checking Account Availability. Personal Loan APR Range. Credit Card Options. Customer Service Availability
conclusion text: 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.
additional property: Savings Account APY
  type: PropertyValue
  value: Chase Bank: 0.01% | Marcus by Goldman Sachs: N/A
additional property: Physical Branches
  type: PropertyValue
  value: Chase Bank: 4,700+ | Marcus by Goldman Sachs: 0
  value reference: Chase Bank
additional property: Monthly Maintenance Fee
  type: PropertyValue
  value: Chase Bank: $0-$12 (varies) | Marcus by Goldman Sachs: $0
  value reference: Marcus by Goldman Sachs
additional property: Overdraft Fee
  type: PropertyValue
  value: Chase Bank: $34 per occurrence | Marcus by Goldman Sachs: N/A
additional property: Minimum Balance Required
  type: PropertyValue
  value: Chase Bank: $0-$100 (varies by product) | Marcus by Goldman Sachs: N/A
additional property: Surcharge-Free ATM Network
  type: PropertyValue
  value: Chase Bank: 55,000+ | Marcus by Goldman Sachs: N/A
additional property: Mobile App Rating
  type: PropertyValue
  value: Chase Bank: 4.5 stars (2.1M reviews) | Marcus by Goldman Sachs: N/A
additional property: Interest on $10,000 Savings (Annual)
  type: PropertyValue
  value: Chase Bank: $1 (at 0.01% APY) | Marcus by Goldman Sachs: N/A
additional property: Physical Branch Locations
  type: PropertyValue
  value: Chase Bank: 4,700+ | Marcus by Goldman Sachs: N/A
additional property: Personal Loan APR (Best Rate)
  type: PropertyValue
  value: Chase Bank: 6.99% | Marcus by Goldman Sachs: 6.99%
additional property: Personal Loan APR (Worst Rate)
  type: PropertyValue
  value: Chase Bank: 24.99% | Marcus by Goldman Sachs: 13.99%
  value reference: Marcus by Goldman Sachs
additional property: ATM Network Access
  type: PropertyValue
  value: Chase Bank: 16,000+ ATMs | Marcus by Goldman Sachs: 0 ATMs
  value reference: Chase Bank
additional property: Credit Card Products
  type: PropertyValue
  value: Chase Bank: 50+ options | Marcus by Goldman Sachs: 0 products
  value reference: Chase Bank
additional property: Monthly Account Maintenance Fee
  type: PropertyValue
  value: Chase Bank: $0 - $25 | Marcus by Goldman Sachs: $0
  value reference: Marcus by Goldman Sachs
additional property: Physical US Branches
  type: PropertyValue
  value: Chase Bank: 4,700+ | Marcus by Goldman Sachs: N/A
additional property: International Countries Served
  type: PropertyValue
  value: Chase Bank: 60+ | Marcus by Goldman Sachs: N/A
additional property: Customer Satisfaction Rating
  type: PropertyValue
  value: Chase Bank: 80% (J.D. Power 2024) | Marcus by Goldman Sachs: N/A
additional property: Total Assets Under Management
  type: PropertyValue
  value: Chase Bank: $3.8 trillion | Marcus by Goldman Sachs: $95 billion
  value reference: Marcus by Goldman Sachs
additional property: Basic Checking Account Monthly Fee
  type: PropertyValue
  value: Chase Bank: $12/month (waivable) | Marcus by Goldman Sachs: N/A
additional property: International Wire Transfer Fee Range
  type: PropertyValue
  value: Chase Bank: $15-45 per transfer | Marcus by Goldman Sachs: N/A
additional property: US Mortgage Market Share
  type: PropertyValue
  value: Chase Bank: 10.2% (largest) | Marcus by Goldman Sachs: N/A
additional property: Mobile App Availability
  type: PropertyValue
  value: Chase Bank: iOS, Android, web—24/7 support | Marcus by Goldman Sachs: N/A
additional property: US Credit Card Market Share
  type: PropertyValue
  value: Chase Bank: 26% | Marcus by Goldman Sachs: N/A
additional property: Global Cardholder Base
  type: PropertyValue
  value: Chase Bank: 156 million | Marcus by Goldman Sachs: N/A
additional property: Maximum Rewards Rate (Best Cards)
  type: PropertyValue
  value: Chase Bank: 5x points | Marcus by Goldman Sachs: N/A
additional property: Merchant Acceptance (US)
  type: PropertyValue
  value: Chase Bank: 99% | Marcus by Goldman Sachs: N/A
additional property: Premium Card Annual Fee Range
  type: PropertyValue
  value: Chase Bank: $95-$695 | Marcus by Goldman Sachs: N/A
additional property: Foreign Transaction Fees (Average)
  type: PropertyValue
  value: Chase Bank: 0-3% | Marcus by Goldman Sachs: N/A
additional property: Fraud Rate
  type: PropertyValue
  value: Chase Bank: 0.15% | Marcus by Goldman Sachs: N/A
additional property: Travel Credit Value (Premium Cards)
  type: PropertyValue
  value: Chase Bank: $750 annually | Marcus by Goldman Sachs: N/A
additional property: High-Yield Savings APY
  type: PropertyValue
  value: Chase Bank: 0.01% | Marcus by Goldman Sachs: 4.50%
  value reference: Marcus by Goldman Sachs
additional property: Personal Loan APR Range
  type: PropertyValue
  value: Chase Bank: 5.99%-21.24% | Marcus by Goldman Sachs: 6.99%-13.99%
additional property: Physical Locations
  type: PropertyValue
  value: Chase Bank: 4,700+ branches | Marcus by Goldman Sachs: 0 branches
  value reference: Chase Bank
additional property: Checking Account Availability
  type: PropertyValue
  value: Chase Bank: Yes, with debit card | Marcus by Goldman Sachs: No
additional property: Mobile App Rating (iOS)
  type: PropertyValue
  value: Chase Bank: 4.7 stars | Marcus by Goldman Sachs: 4.8 stars
  value reference: Marcus by Goldman Sachs
additional property: Monthly Maintenance Fees
  type: PropertyValue
  value: Chase Bank: $12 (waivable) | Marcus by Goldman Sachs: $0
  value reference: Marcus by Goldman Sachs
additional property: High-Yield Savings APY
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: 4.35%
additional property: Certificate of Deposit (CD) APY
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: 4.75% (1-year average)
additional property: Total Assets Under Management
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: Part of Goldman Sachs ($1,100B+)
additional property: Mobile App Rating
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: 4.8/5
additional property: Minimum Initial Deposit
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: $0
additional property: Monthly Maintenance Fee
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: $0
additional property: Banking Service Breadth
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: Savings accounts, CDs, personal loans
additional property: Customer Satisfaction Rate
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: 95% (estimated from app ratings)
additional property: Origination Fee
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: $0 (0%)
additional property: APR Range
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: 6.99% - 36%
additional property: Maximum Loan Amount
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: $40,000
additional property: Minimum Loan Amount
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: $3,500
additional property: Funding Speed
  type: PropertyValue
  value: Chase Bank: N/A | Marcus by Goldman Sachs: 2-5 business days
interactivity type: active
significant link: https://www.aversusb.net/entity/chase-bank
significant link: https://www.aversusb.net/alternatives/chase-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/chase-vs-marcus)
significant link: https://www.aversusb.net/api/v1/schema/chase-vs-marcus)
related link: https://www.aversusb.net/compare/chase-vs-marcus
related link: https://www.aversusb.net/compare/marcus-vs-discover-personal-loans))
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-bank-vs-marcus-by-goldman-sachs
related link: https://www.aversusb.net/compare/chase-vs-ally-bank
related link: https://www.aversusb.net/compare/chase-vs-citibank
related link: https://www.aversusb.net/compare/american-express-vs-chase
teaches: How to choose between Chase Bank and Marcus by Goldman Sachs
genre: Finance

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

A Versus B
type: Organization

Chase Bank
type: Organization
alternate name: CB
language: en-US
description: Major U.S. retail bank offering checking, savings, credit cards, mortgages, and investment services with 4,700+ branches.
image: ImageObject
  caption: Chase Bank
subject of: Chase Bank vs Marcus by Goldman Sachs
image: ImageObject
  caption: Chase 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: Chase Bank vs Marcus by Goldman Sachs
image: ImageObject
  caption: Marcus by Goldman Sachs

Chase Bank vs Marcus by Goldman Sachs — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for Chase Bank vs Marcus by Goldman Sachs. Contains 76 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: Savings Account APY
  type: PropertyValue
  value reference: Deposit Rates
variable measured: Physical Branches
  type: PropertyValue
  value reference: Accessibility
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: Physical Branch Locations
  type: PropertyValue
  value reference: Accessibility
variable measured: Personal Loan APR (Best Rate)
  type: PropertyValue
  value reference: Lending Products
variable measured: Personal Loan APR (Worst Rate)
  type: PropertyValue
  value reference: Lending
variable measured: ATM Network Access
  type: PropertyValue
  value reference: Accessibility
variable measured: Credit Card Products
  type: PropertyValue
  value reference: Products
variable measured: Monthly Account Maintenance Fee
  type: PropertyValue
  value reference: Fees
variable measured: Physical US Branches
  type: PropertyValue
  value reference: Convenience
variable measured: International Countries Served
  type: PropertyValue
  value reference: Global Reach
variable measured: Customer Satisfaction Rating
  type: PropertyValue
  value reference: Customer Service
variable measured: Total Assets Under Management
  type: PropertyValue
  value reference: Financial Strength
variable measured: Basic Checking Account Monthly Fee
  type: PropertyValue
  value reference: Affordability
variable measured: International Wire Transfer Fee Range
  type: PropertyValue
  value reference: International Banking
variable measured: US Mortgage Market Share
  type: PropertyValue
  value reference: Product Strength
variable measured: Mobile App Availability
  type: PropertyValue
  value reference: Digital Services
variable measured: US Credit Card Market Share
  type: PropertyValue
  value reference: Market Position
variable measured: Global Cardholder Base
  type: PropertyValue
  value reference: Scale
variable measured: Maximum Rewards Rate (Best Cards)
  type: PropertyValue
  value reference: Rewards
variable measured: Merchant Acceptance (US)
  type: PropertyValue
  value reference: Usability
variable measured: Premium Card Annual Fee Range
  type: PropertyValue
  value reference: Cost
variable measured: Foreign Transaction Fees (Average)
  type: PropertyValue
  value reference: International
variable measured: Fraud Rate
  type: PropertyValue
  value reference: Security
variable measured: Travel Credit Value (Premium Cards)
  type: PropertyValue
  value reference: Benefits
variable measured: High-Yield Savings APY
  type: PropertyValue
  value reference: Savings Products
variable measured: Personal Loan APR Range
  type: PropertyValue
  value reference: Borrowing Costs
variable measured: Physical Locations
  type: PropertyValue
  value reference: Accessibility
variable measured: Checking Account Availability
  type: PropertyValue
  value reference: Products
variable measured: Mobile App Rating (iOS)
  type: PropertyValue
  value reference: User Experience
variable measured: Monthly Maintenance Fees
  type: PropertyValue
  value reference: Fees
variable measured: High-Yield Savings APY
  type: PropertyValue
  value reference: Rates & Returns
variable measured: Certificate of Deposit (CD) APY
  type: PropertyValue
  value reference: Rates & Returns
variable measured: Total Assets Under Management
  type: PropertyValue
  value reference: Company Scale
variable measured: Mobile App Rating
  type: PropertyValue
  value reference: User Experience
variable measured: Minimum Initial Deposit
  type: PropertyValue
  value reference: Account Requirements
variable measured: Monthly Maintenance Fee
  type: PropertyValue
  value reference: Fees
variable measured: Banking Service Breadth
  type: PropertyValue
  value reference: Features
variable measured: Customer Satisfaction Rate
  type: PropertyValue
  value reference: Customer Experience
variable measured: Origination Fee
  type: PropertyValue
  value reference: Interest & Fees
variable measured: APR Range
  type: PropertyValue
  value reference: Interest & Fees
variable measured: Maximum Loan Amount
  type: PropertyValue
  value reference: Loan Terms
variable measured: Minimum Loan Amount
  type: PropertyValue
  value reference: Loan Parameters
variable measured: Funding Speed
  type: PropertyValue
  value reference: Speed & Service
variable measured: Minimum Credit Score
  type: PropertyValue
  value reference: Eligibility
variable measured: Loan Term Options
  type: PropertyValue
  value reference: Loan Terms
variable measured: Cost Comparison (36-Month $10,000 Loan at 12% APR)
  type: PropertyValue
  value reference: Total Cost
variable measured: Maximum Loan Term
  type: PropertyValue
  value reference: Flexibility
variable measured: Loan Amount Range (Maximum)
  type: PropertyValue
  value reference: Borrowing
variable measured: Loan Amount Range (Minimum)
  type: PropertyValue
  value reference: Borrowing
variable measured: Minimum Credit Score Required
  type: PropertyValue
  value reference: Eligibility
variable measured: Prepayment Penalty
  type: PropertyValue
  value reference: Loan Terms
variable measured: 1-Year CD Rate
  type: PropertyValue
  value reference: Savings Products
variable measured: Minimum Balance Requirement
  type: PropertyValue
  value reference: Account Requirements
variable measured: Personal Loan Origination Fee
  type: PropertyValue
  value reference: Lending Products
variable measured: Customer Service Rating (Trustpilot)
variable measured: Product Categories Offered
variable measured: High-Yield Savings Account APY
variable measured: Interest Checking Account APY
variable measured: 12-Month CD APY
variable measured: 60-Month CD APY
variable measured: Personal Loan APR Floor
variable measured: Personal Loan APR Ceiling
variable measured: Mobile App User Rating
is based on: https://www.aversusb.net/compare/chase-vs-marcus)

Chase 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 Chase Bank vs Marcus by Goldman Sachs.
has defined term: Deposit Rates
has defined term: Accessibility
has defined term: Fees
has defined term: Account Requirements
has defined term: Digital Experience
has defined term: Earnings
has defined term: Lending Products
has defined term: Lending
has defined term: Products
has defined term: Convenience
has defined term: Global Reach
has defined term: Customer Service
has defined term: Financial Strength
has defined term: Affordability
has defined term: International Banking
has defined term: Product Strength
has defined term: Digital Services
has defined term: Market Position
has defined term: Scale
has defined term: Rewards
has defined term: Usability
has defined term: Cost
has defined term: International
has defined term: Security
has defined term: Benefits
has defined term: Savings Products
has defined term: Borrowing Costs
has defined term: User Experience
has defined term: Rates & Returns
has defined term: Company Scale
has defined term: Features
has defined term: Customer Experience
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: Product Range
has defined term: Savings & Interest
has defined term: Checking Products
has defined term: CD Products
has defined term: Digital Banking
has defined term: Product Variety

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

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

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

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

Digital Experience
type: DefinedTerm
term code: digital-experience
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

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

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

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

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

Convenience
type: DefinedTerm
term code: convenience
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Global Reach
type: DefinedTerm
term code: global-reach
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

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

Financial Strength
type: DefinedTerm
term code: financial-strength
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Affordability
type: DefinedTerm
term code: affordability
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

International Banking
type: DefinedTerm
term code: international-banking
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Product Strength
type: DefinedTerm
term code: product-strength
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Digital Services
type: DefinedTerm
term code: digital-services
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Market Position
type: DefinedTerm
term code: market-position
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

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

Rewards
type: DefinedTerm
term code: rewards
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

Usability
type: DefinedTerm
term code: usability
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

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

International
type: DefinedTerm
term code: international
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

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

Benefits
type: DefinedTerm
term code: benefits
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Savings & Interest
type: DefinedTerm
term code: savings-&-interest
in defined term set: Chase Bank vs Marcus by Goldman Sachs — Attribute Category Vocabulary

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

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

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

Product Variety
type: DefinedTerm
term code: product-variety
in defined term set: Chase 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: 2026-07-08T09:24:38.425Z
author: A Versus B
publisher: A Versus B
is part of: chase-vs-marcus)
main entity: Which bank offers better savings rates?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Can I use both Chase and Marcus together?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Is Marcus FDIC insured?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: Which is better for personal loans?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US
main entity: What if I need to deposit cash?
  type: Question
  accepted answer: Answer
    text: 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.
    language: en-US

How to Choose Between Chase Bank and Marcus by Goldman Sachs
type: HowTo
description: 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.
language: en-US
total time: PT3M
step: Consider: Business Model
step: Consider: High-Yield Savings Rate (2026)
step: Consider: Physical Branch Locations
step: Consider: Checking Account Availability
step: Consider: Personal Loan APR Range
step: Consider: Credit Card Options
step: Consider: Customer Service Availability
tool: A Versus B Comparison Guide
tip: HowToTip
  text: 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.

Consider: Business Model
type: HowToStep
position: 1
text: 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)
type: HowToStep
position: 2
text: High-Yield Savings Rate (2026): Chase Bank has 0.01% APY, while Marcus by Goldman Sachs has 4.50% APY.

Consider: Physical Branch Locations
type: HowToStep
position: 3
text: Physical Branch Locations: Chase Bank has 4,700+ branches nationwide, while Marcus by Goldman Sachs has 0 branches (online only).

Consider: Checking Account Availability
type: HowToStep
position: 4
text: Checking Account Availability: Chase Bank has Full checking with debit card and checks, while Marcus by Goldman Sachs has No checking accounts offered.

Consider: Personal Loan APR Range
type: HowToStep
position: 5
text: Personal Loan APR Range: Chase Bank has 5.99%-21.24%, while Marcus by Goldman Sachs has 6.99%-13.99%.

Consider: Credit Card Options
type: HowToStep
position: 6
text: Credit Card Options: Chase Bank has 50+ credit card products, while Marcus by Goldman Sachs has No credit cards.

Consider: Customer Service Availability
type: HowToStep
position: 7
text: Customer Service Availability: Chase Bank has Phone, in-branch, online, 24/7, while Marcus by Goldman Sachs has Phone and online only, 24/7.

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

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

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

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

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

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

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

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

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

1-Year CD Rate
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 4.50%

Minimum Balance Requirement
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: $0

Personal Loan Origination Fee
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: None

Customer Service Rating (Trustpilot)
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 4.5/5

Product Categories Offered
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 4 (savings, CDs, personal loans, HELOC)

High-Yield Savings Account APY
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 4.50%

Interest Checking Account APY
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: Not Offered

12-Month CD APY
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 4.60%

60-Month CD APY
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 5.00%

Personal Loan APR Floor
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 6.99%

Personal Loan APR Ceiling
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 19.99%

Mobile App User Rating
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 4.7 (42K reviews)

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

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

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

5-Year CD Rate
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 4.25%

Minimum CD Deposit
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: $2,500-$25,000

FDIC Insurance Coverage
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: $250,000

CD Term Options Available
type: PropertyValue
value: Chase Bank: N/A | Marcus by Goldman Sachs: 6 options

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Chase Bank — Wikipedia
type: CreativeWork

Marcus by Goldman Sachs — Wikipedia
type: CreativeWork

Compare Chase Bank vs Marcus by Goldman Sachs
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additional type: CompareAction
target: https://www.aversusb.net/compare/chase-vs-marcus)
object: Chase Bank
object: Marcus by Goldman Sachs

Customer Service Rating (Trustpilot)
type: PropertyValue
value reference: Customer Experience

Product Categories Offered
type: PropertyValue
value reference: Product Range

High-Yield Savings Account APY
type: PropertyValue
value reference: Savings & Interest

Interest Checking Account APY
type: PropertyValue
value reference: Checking Products

12-Month CD APY
type: PropertyValue
value reference: CD Products

60-Month CD APY
type: PropertyValue
value reference: CD Products

Personal Loan APR Floor
type: PropertyValue
value reference: Lending Products

Personal Loan APR Ceiling
type: PropertyValue
value reference: Lending Products

Mobile App User Rating
type: PropertyValue
value reference: Digital Banking

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

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

Checking Account Rate
type: PropertyValue
value reference: Earnings

5-Year CD Rate
type: PropertyValue
value reference: Earnings

Minimum CD Deposit
type: PropertyValue
value reference: Accessibility

FDIC Insurance Coverage
type: PropertyValue
value reference: Security

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