Chase vs Marcus 2026: Savings Rates & Banking
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
Major U.S. retail bank offering checking, savings, credit cards, mortgages, and investment services with 4,700+ branches.
Customers who value convenience of physical branches, need multiple banking products under one roof, or prefer established institutions for mortgage and investment services.
Marcus by Goldman Sachs
Digital-only financial platform offering high-yield savings accounts and personal loans with no monthly fees or minimum balances.
Savers prioritizing maximum returns on emergency funds, customers comfortable with fully digital banking, and borrowers seeking personal loans with competitive rates and transparent terms.
Quick Answer
AI SummaryChase 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.
Our Verdict
AI-assistedChoose 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.
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Choose Chase Bank if
Customers who value convenience of physical branches, need multiple banking products under one roof, or prefer established institutions for mortgage and investment services.
Choose Marcus by Goldman Sachs if
Best pickSavers prioritizing maximum returns on emergency funds, customers comfortable with fully digital banking, and borrowers seeking personal loans with competitive rates and transparent terms.
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Key Differences at a Glance
- Business Model:✓ Marcus by Goldman Sachs wins(Digital-only online platform vs Traditional retail bank with physical branches)
- High-Yield Savings Rate (2026):✓ Marcus by Goldman Sachs wins(4.50% APY vs 0.01% APY)
- Physical Branch Locations:✓ Chase Bank wins(4,700+ branches nationwide vs 0 branches (online only))
Key Facts & Figures
55 numeric metrics compared
| Metric | Chase Bank | Marcus by Goldman Sachs | Ratio |
|---|---|---|---|
| Savings Account APY(%) | 0.01% | — | — |
| Physical Branches(locations) | 4,700+ | 0 | |
| Monthly Maintenance Fee(USD) | $0-$12 (varies) | $0 | |
| Overdraft Fee(USD) | $34 per occurrence | — | — |
| Minimum Balance Required(USD) | $0-$100 (varies by product) | — | — |
| Surcharge-Free ATM Network(ATMs) | 55,000+ | — | — |
| Mobile App Rating(stars out of 5) | 4.5 stars (2.1M reviews) | — | — |
| Interest on $10,000 Savings (Annual)(USD) | $1 (at 0.01% APY) | — | — |
| Physical Branch Locations(count) | 4,700+ | — | — |
| Personal Loan APR (Best Rate)(%) | 6.99% | 6.99% | |
| Personal Loan APR (Worst Rate)(%) | 24.99% | 13.99% | |
| ATM Network Access(ATMs) | 16,000+ ATMs | 0 ATMs | |
| Credit Card Products(products) | 50+ options | 0 products | |
| Monthly Account Maintenance Fee(USD) | $0 - $25 | $0 | |
| Physical US Branches(branches) | 4,700+ | — | — |
| International Countries Served(countries) | 60+ | — | — |
| Customer Satisfaction Rating(stars out of 5) | 80% (J.D. Power 2024) | — | — |
| Total Assets Under Management(billion USD) | $3.8 trillion | $95 billion | |
| Basic Checking Account Monthly Fee(USD) | $12/month (waivable) | — | — |
| US Mortgage Market Share(%) | 10.2% (largest) | — | — |
| US Credit Card Market Share(%) | 26% | — | — |
| Global Cardholder Base(millions) | 156 million | — | — |
| Maximum Rewards Rate (Best Cards)(points per $1) | 5x points | — | — |
| Merchant Acceptance (US)(%) | 99% | — | — |
| Foreign Transaction Fees (Average)(%) | 0-3% | — | — |
| Fraud Rate(%) | 0.15% | — | — |
| Travel Credit Value (Premium Cards)(USD) | $750 annually | — | — |
| High-Yield Savings APY(%) | 0.01% | 4.50% | |
| Physical Locations(branches) | 4,700+ branches | 0 branches | |
| Mobile App Rating (iOS)(stars) | 4.7 stars | 4.8 stars | |
| Monthly Maintenance Fees(USD) | $12 (waivable) | $0 | |
| Maximum Loan Amount(USD) | $40,000 | $40,000 | |
| Minimum Loan Amount(USD) | $3,500 | $3,500 | |
| Funding Speed(business days) | 2-5 business days | 2-5 business days | |
| Minimum Credit Score(points) | 660 | 660 | |
| Cost Comparison (36-Month $10,000 Loan at 12% APR)(USD total interest) | $1,956 (no origination fee) | $1,956 (no origination fee) | |
| Maximum Loan Term(months) | 72 months | 72 months | |
| Loan Amount Range (Maximum)(USD) | $40,000 | $40,000 | |
| Loan Amount Range (Minimum)(USD) | $3,500 | $3,500 | |
| Minimum Credit Score Required(score) | 660+ | 660+ | |
| 1-Year CD Rate(%) | 4.50% | 4.50% | |
| Minimum Balance Requirement(USD) | $0 | $0 | |
| Customer Service Rating (Trustpilot)(stars) | 4.5/5 | 4.5/5 | |
| Product Categories Offered(primary categories) | 4 (savings, CDs, personal loans, HELOC) | 4 (savings, CDs, personal loans, HELOC) | |
| High-Yield Savings Account APY(%) | 4.50% | 4.50% | |
| 12-Month CD APY(%) | 4.60% | 4.60% | |
| 60-Month CD APY(%) | 5.00% | 5.00% | |
| Personal Loan APR Floor(%) | 6.99% | 6.99% | |
| Personal Loan APR Ceiling(%) | 19.99% | 19.99% | |
| Loan Term Options Available(options) | 3 terms (3, 5, 7 years) | 3 terms (3, 5, 7 years) | |
| Typical APR for Good Credit (720 score)(%) | ~11.99% - 15.99% | ~11.99% - 15.99% | |
| 5-Year CD Rate(%) | 4.25% | 4.25% | |
| Minimum CD Deposit(USD) | $2,500-$25,000 | $2,500-$25,000 | |
| FDIC Insurance Coverage(USD) | $250,000 | $250,000 | |
| CD Term Options Available(count) | 6 options | 6 options |
Sourced from publicly available data ·
Key Differences
7 attributes compared head-to-head
- Traditional retail bank with physical branchesBusiness ModelDigital-only online platform(winner)
- 0.01% APYHigh-Yield Savings Rate (2026)4.50% APY(winner)
- 4,700+ branches nationwide(winner)Physical Branch Locations0 branches (online only)
- Full checking with debit card and checks(winner)Checking Account AvailabilityNo checking accounts offered
- 5.99%-21.24%Personal Loan APR Range6.99%-13.99%(winner)
- 50+ credit card products(winner)Credit Card OptionsNo credit cards
- Phone, in-branch, online, 24/7Customer Service AvailabilityPhone and online only, 24/7
- Business Model
Chase Bank
Traditional retail bank with physical branches
Marcus by Goldman Sachs
Digital-only online platform(winner)
- High-Yield Savings Rate (2026)
Chase Bank
0.01% APY
Marcus by Goldman Sachs
4.50% APY(winner)
- Physical Branch Locations
Chase Bank
4,700+ branches nationwide(winner)
Marcus by Goldman Sachs
0 branches (online only)
- Checking Account Availability
Chase Bank
Full checking with debit card and checks(winner)
Marcus by Goldman Sachs
No checking accounts offered
- Personal Loan APR Range
Chase Bank
5.99%-21.24%
Marcus by Goldman Sachs
6.99%-13.99%(winner)
- Credit Card Options
Chase Bank
50+ credit card products(winner)
Marcus by Goldman Sachs
No credit cards
- Customer Service Availability
Chase Bank
Phone, in-branch, online, 24/7
Marcus by Goldman Sachs
Phone and online only, 24/7
Full Comparison
| Attribute | Chase Bank | Marcus by Goldman Sachs |
|---|---|---|
| Savings Account APY(%) | 0.01% | — |
| Physical Branches(locations) | 4,700+(winner) | 0 |
| Surcharge-Free ATM Network(ATMs) | 55,000+ | — |
| Physical Branch Locations(count) | 4,700+ | — |
| ATM Network Access(ATMs) | 16,000+ ATMs(winner) | 0 ATMs |
| Physical Locations(branches) | 4,700+ branches(winner) | 0 branches |
Show 1 more attributeMinimum CD Deposit(USD) $2,500-$25,000 — | ||
| Monthly Maintenance Fee(USD) | $0-$12 (varies) | $0(winner) |
| Overdraft Fee(USD) | $34 per occurrence | — |
| Monthly Account Maintenance Fee(USD) | $0 - $25 | $0(winner) |
| Monthly Maintenance Fees(USD) | $12 (waivable) | $0(winner) |
| Monthly Maintenance Fee($) | $0 | — |
| Minimum Balance Required(USD) | $0-$100 (varies by product) | — |
| Minimum Initial Deposit($) | $0 | — |
| Minimum Balance Requirement(USD) | $0 | — |
| Mobile App Rating(stars out of 5) | 4.5 stars (2.1M reviews) | — |
| Interest on $10,000 Savings (Annual)(USD) | $1 (at 0.01% APY) | — |
| Checking Account Rate(%) | N/A | — |
| 5-Year CD Rate(%) | 4.25% | — |
| Personal Loan APR (Best Rate)(%) | 6.99% | 6.99% |
| Personal Loan Origination Fee(text) | None | — |
| Personal Loan APR Floor(%) | 6.99% | — |
| Personal Loan APR Ceiling(%) | 19.99% | — |
| Personal Loan APR (Worst Rate)(%) | 24.99% | 13.99%(winner) |
| Credit Card Products(products) | 50+ options(winner) | 0 products |
| Checking Account Availability | Yes, with debit card | No |
| Physical US Branches(branches) | 4,700+ | — |
| International Countries Served(countries) | 60+ | — |
| Customer Satisfaction Rating(stars out of 5) | 80% (J.D. Power 2024) | — |
| Customer Satisfaction Rate(%) | 95% (estimated from app ratings) | — |
| Customer Service Rating (Trustpilot)(stars) | 4.5/5 | — |
| Total Assets Under Management(billion USD) | $3.8 trillion | $95 billion(winner) |
| Basic Checking Account Monthly Fee(USD) | $12/month (waivable) | — |
| International Wire Transfer Fee Range(USD) | $15-45 per transfer | — |
| US Mortgage Market Share(%) | 10.2% (largest) | — |
| Mobile App Availability(platforms) | iOS, Android, web—24/7 support | — |
| US Credit Card Market Share(%) | 26% | — |
| Global Cardholder Base(millions) | 156 million | — |
| Maximum Rewards Rate (Best Cards)(points per $1) | 5x points | — |
| Merchant Acceptance (US)(%) | 99% | — |
| Premium Card Annual Fee Range(USD) | $95-$695 | — |
| Foreign Transaction Fees (Average)(%) | 0-3% | — |
| Fraud Rate(%) | 0.15% | — |
| FDIC Insurance Coverage(USD) | $250,000 | — |
| Travel Credit Value (Premium Cards)(USD) | $750 annually | — |
| High-Yield Savings APY(%) | 0.01% | 4.50%(winner) |
| Personal Loan APR Range(%) | 5.99%-21.24% | 6.99%-13.99% |
| Mobile App Rating (iOS)(stars) | 4.7 stars | 4.8 stars(winner) |
| Mobile App Rating(quality level) | 4.8/5 | — |
| High-Yield Savings APY(%) | 4.35% | — |
| Certificate of Deposit (CD) APY(%) | 4.75% (1-year average) | — |
| Total Assets Under Management(B) | Part of Goldman Sachs ($1,100B+) | — |
| Banking Service Breadth | Savings accounts, CDs, personal loans | — |
| Origination Fee(%) | $0 (0%) | — |
| APR Range(%) | 6.99% - 36% | — |
| Typical APR for Good Credit (720 score)(%) | ~11.99% - 15.99% | — |
| Maximum Loan Amount(USD) | $40,000 | — |
| Loan Term Options(years) | 3, 5, 7 | — |
| Prepayment Penalty | None | — |
| Loan Term Options Available(options) | 3 terms (3, 5, 7 years) | — |
| Minimum Loan Amount(USD) | $3,500 | — |
| Funding Speed(business days) | 2-5 business days | — |
| Minimum Credit Score(points) | 660 | — |
| Minimum Credit Score Required(score) | 660+ | — |
| Cost Comparison (36-Month $10,000 Loan at 12% APR)(USD total interest) | $1,956 (no origination fee) | — |
| Maximum Loan Term(months) | 72 months | — |
| Loan Amount Range (Maximum)(USD) | $40,000 | — |
| Loan Amount Range (Minimum)(USD) | $3,500 | — |
| 1-Year CD Rate(%) | 4.50% | — |
| Product Categories Offered(primary categories) | 4 (savings, CDs, personal loans, HELOC) | — |
| High-Yield Savings Account APY(%) | 4.50% | — |
| Interest Checking Account APY(%) | Not Offered | — |
| 12-Month CD APY(%) | 4.60% | — |
| 60-Month CD APY(%) | 5.00% | — |
| Mobile App User Rating(stars) | 4.7 (42K reviews) | — |
| CD Term Options Available(count) | 6 options | — |
Chase BankMarcus by Goldman SachsShow 1 more attribute
Pros & Cons
10 pros·6 cons across both
Chase Bank
Pros
- 4,700+ physical branches for in-person banking and cash deposits
- Comprehensive product suite: checking, savings, credit cards, mortgages, auto loans, investments, and business banking
- Award-winning mobile app with 4.7-star rating on iOS
- Extensive ATM network with 16,000+ ATMs nationwide
- Established brand with strong security and FDIC insurance on deposits up to $250k
Cons
- Savings accounts earn only 0.01% APY, significantly below market rates
- Monthly maintenance fees on some checking accounts ($12/month); requires minimum balance or direct deposit for fee waiver
- Higher personal loan APRs (5.99%-21.24%) compared to digital competitors
Marcus by Goldman Sachs
Pros
- High-yield savings account at 4.50% APY (450x higher than Chase savings)
- No monthly fees, no minimum balance requirements, and no hidden charges
- Competitive personal loan APRs (6.99%-13.99%), 1-8 percentage points lower than Chase
- Simple user interface with 4.8-star mobile app rating on iOS
- FDIC insured deposits and transparent terms; no fine print
Cons
- No checking accounts, debit cards, or bill pay features; savings-only platform
- No physical branches for in-person support or cash deposits; limited to electronic transfers
- No credit cards, mortgages, investment products, or wealth management services
Frequently Asked Questions
5 questions
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.
Resources & Learn More
Curated sources to dive deeper
Wikipedia
- W
Chase Bank on Wikipedia (opens in new tab)
Major U.S. retail bank offering checking, savings, credit cards, mortgages, and investment services with 4,700+ branches.
- W
Marcus by Goldman Sachs on Wikipedia (opens in new tab)
Digital-only financial platform offering high-yield savings accounts and personal loans with no monthly fees or minimum balances.
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