Marcus by Goldman Sachs is a US-only online banking brand offering an Online Savings Account and certificates of deposit through Goldman Sachs Bank USA. Customers can open savings accounts online or in the Marcus app, link outside bank accounts, schedule transfers, and access FDIC-insured deposit products, subject to applicable account terms and limits.
No fees for the Online Savings Account; see official pricing for other products
Check access termsThe Online Savings Account has no fees and no minimum deposit. Marcus is a banking and cash-alternative offering rather than a broker account; CDs have separate opening requirements and terms, so a general free-plan classification is not verified.
Web · Marcus mobile app
These are neutral, fact-based tradeoffs, not ratings or a personal recommendation.
Information checked on November 5, 2026. Pricing, eligibility, products, and regional availability may change.
Ally Bank is a US online consumer bank offering Spending, Savings, Money Market, CD, and IRA accounts. Its official site describes online and mobile access, mobile check deposit, transfers, bill pay, ATM access, and 24/7 customer support. Account-opening pages state no monthly maintenance fees or minimum balance requirements for opening, while product terms vary.
No-fee access terms Features, costs & detailsCapital One 360 is Capital One’s US consumer banking offering with online checking and savings accounts, digital account management, debit-card access, mobile check deposit, cash deposits at participating stores, and access to Capital One branches, Cafés, and fee-free partner ATMs. The official pages describe no monthly fees and no minimum balance for 360 Checking.
No-fee access terms Features, costs & details