Marcus by Goldman Sachs Near Me

Marcus by Goldman Sachs is the consumer-banking brand of Goldman Sachs Bank USA, the New York-based investment bank’s deposit-taking subsidiary. The Marcus brand was launched in October 2016 to offer Goldman’s first retail products: at first personal loans, and later online high-yield savings accounts (added 2018) and certificates of deposit. Marcus remains an active brand for online savings, CDs, and MarcusPay (buy-now-pay-later), but Goldman Sachs has been steadily retreating from consumer lending since 2023: Marcus personal loans are now invitation-only, the GM Rewards Mastercard moved to Barclays in August 2025, and the Apple Card partnership is transferring from Goldman to JPMorgan Chase. Goldman Sachs is headquartered at 200 West Street in Lower Manhattan; Marcus has no retail branches anywhere in the United States and no ATM or debit card for its savings accounts.

Map of Marcus by Goldman Sachs locations near me

Use the map below to find Goldman Sachs offices near you. Marcus by Goldman Sachs does NOT operate retail bank branches, ATMs, or customer-service locations: it is an online-only deposit bank, with banking handled through the Marcus website (marcus.com), the Marcus mobile app, and the 24/7 customer service phone line at 1-855-730-7283. The map shows the locations of Goldman Sachs offices for reference; these are corporate and investment-banking offices, not customer-facing Marcus branches. You can click ‘Use my location‘ to see Goldman Sachs offices around you on the map.

Marcus by Goldman Sachs at a glance

• Official name: Marcus by Goldman Sachs (the consumer brand of Goldman Sachs Bank USA, Member FDIC)
• Parent company: The Goldman Sachs Group, Inc. (NYSE: GS)
• Bank entity: Goldman Sachs Bank USA (a New York state-chartered bank, FDIC certificate 33124)
• Brand launched: October 2016 (named after Marcus Goldman, the bank’s co-founder in 1869)
• Headquarters: 200 West Street, New York, NY 10282 (Goldman Sachs corporate HQ; Marcus has no separate customer-facing headquarters)
• Retail branches: none (online-only)
• ATM card or debit card: none (Marcus does not issue an ATM card or debit card for savings accounts)
• Checking accounts: none (Marcus does not offer checking)
• Active products in 2026: Online Savings Account, Certificates of Deposit (CDs), No-Penalty CDs, IRA CDs, MarcusPay (buy-now-pay-later at select retailers)
• Discontinued or transferred (Goldman consumer-lending retreat): Marcus Personal Loans (now invitation-only since early 2023), GM Rewards Mastercard (transferred to Barclays in August 2025), Apple Card (transferring from Goldman to JPMorgan Chase)
• Customer service: 1-855-730-7283, 24 hours a day, 7 days a week
• FDIC insurance: yes, deposits insured up to $250,000 per depositor, per insured bank, per account ownership category

Marcus by Goldman Sachs branch near me

Marcus by Goldman Sachs has no retail branches anywhere in the United States. It is, and has always been, an online-only deposit bank. All accounts are opened, funded, and serviced through marcus.com or the Marcus mobile app, and customer service runs through a 24/7 telephone line.

Goldman Sachs office locations (for reference)

Goldman Sachs maintains corporate and investment-banking offices in many US cities, including New York (200 West Street, the headquarters), Salt Lake City, Dallas, Chicago, Los Angeles, San Francisco, Miami, Washington DC, and Boston. These offices are not customer-facing Marcus branches and do not provide retail banking services. The Salt Lake City office is the operational hub for many Marcus customer service functions, since Goldman Sachs Bank USA’s consumer banking operations have a major presence in Utah.

Why Marcus stays online-only

Marcus was built as a low-cost, fully digital deposit bank that returns the cost savings of having no retail branches to customers as higher savings APYs, no monthly fees, and no minimum balance requirements. The online-only model lets Marcus offer interest rates that consistently rank among the top high-yield savings accounts in the United States, alongside competitors like Ally Bank, Discover Bank, and American Express National Bank.

Marcus by Goldman Sachs ATM near me

This is the section where Marcus is genuinely different from most online banks. Marcus does NOT issue an ATM card or debit card for its savings accounts. There is no Marcus ATM machine network, no Allpoint or MoneyPass partnership for Marcus savings customers, and no way to withdraw cash directly from a Marcus account at any ATM.

How to actually access cash from a Marcus account

To get cash from a Marcus Online Savings Account or CD, you need to send the money to a bank that does offer ATM or branch access. Marcus supports three ways to move money out:

• ACH transfer to another bank: the standard method. Link your everyday checking account at another bank (Chase, Bank of America, Capital One, Ally, etc.), then initiate an ACH transfer from Marcus to that account. ACH transfers typically take 1 to 3 business days; same-day ACH is available for amounts up to $100,000 if requested before the daily cutoff.
• Wire transfer: faster but may incur fees from the receiving bank. Useful for larger amounts.
• Mailed check: you can request a paper check from Marcus to be mailed to the account holder’s address on file. Slowest option.

Once the funds arrive at your linked checking account, you can withdraw cash from that other bank’s ATM network. Marcus does not impose any fee on outgoing ACH transfers or check requests, and the Marcus Savings Account has no limit on the number of withdrawals (unlike some savings accounts that cap transfers at 6 per month).

If you need an everyday checking-plus-ATM account

Marcus is designed to be a complement to (not a replacement for) a traditional checking account. Many Marcus customers keep Marcus as their high-yield savings and pair it with a checking-plus-debit-card account at a different bank. Alternatives that include both high-yield savings AND a debit card with ATM access:

• Ally Bank, online-only, includes both high-yield savings and Spending Checking with debit card and Allpoint ATM access
• Discover Bank, existing customers only after January 2026; Cashback Debit account includes ATM access
• Capital One Bank, 360 Performance Savings + 360 Checking, with the same 60,000+ fee-free ATM network
• Charles Schwab Bank, Investor Checking with unlimited worldwide ATM fee rebates (linked Schwab brokerage required)

Marcus by Goldman Sachs accounts in 2026

Marcus Online Savings Account

Marcus’ flagship product. Currently paying approximately 3.65% to 4.10% APY (variable, may change at any time; check marcus.com for the current rate). No monthly fees, no minimum opening deposit, no minimum balance required to earn the APY, and FDIC-insured up to $250,000 per depositor. The account supports unlimited withdrawals and transfers (most savings accounts cap transfers at 6 per month). Same-day ACH transfers of $100,000 or less are available when requested before the cutoff.

Marcus Certificates of Deposit (CDs)

Marcus offers fixed-term CDs in maturities from 6 months to 6 years (72 months), with APYs typically in the 3.70% to 4.00% range depending on the term. Minimum opening deposit is $500. Early-withdrawal penalties apply: 90 days of interest on terms up to 12 months, 270 days for 13 to 60 months, and 365 days for 61+ months.

Marcus No-Penalty CD

A distinctive Marcus product: a CD with the rate certainty of a fixed-term deposit but the ability to withdraw the full balance plus accrued interest after just 7 days, with no early-withdrawal penalty. Useful for customers who want CD-like rates without locking up funds. Available in 7-month, 11-month, and 13-month terms, with a $500 minimum deposit.

Marcus IRA CDs

Traditional IRA and Roth IRA Certificates of Deposit, with the same maturity options as standard Marcus CDs. The IRA wrapper provides tax advantages on the interest earned. $500 minimum deposit.

MarcusPay (buy-now-pay-later)

A point-of-sale installment payment option for purchases at select Marcus partner retailers. The customer can split a single qualifying purchase into fixed monthly installments at a fixed APR. MarcusPay is not a revolving credit line and not a credit card; it is a closed-end installment loan tied to a specific purchase.

Marcus Invest (closed to new customers)

Marcus formerly offered an automated investing service called Marcus Invest. This service was shut down in 2024 as part of Goldman Sachs’ broader retreat from consumer wealth management; existing Marcus Invest accounts were transferred to Betterment.

Marcus Personal Loans (invitation only)

Marcus launched in 2016 with personal loans as its first product. As part of Goldman Sachs’ consumer-lending retreat, Marcus stopped accepting new personal-loan applications from the general public in early 2023; the product remains available only by mailed or emailed invitation code. Goldman Sachs sold portions of its existing Marcus personal-loan portfolio to third-party buyers in 2022 and 2023.

Marcus by Goldman Sachs hours, customer service hours, and open now

Marcus operates online only; “branch hours” do not apply. The relevant hours are customer service availability and ATM-network access. Note: Marcus has no ATMs of its own; the ATM access mentioned here refers to the bank you pair with Marcus for everyday spending.

The Marcus Savings and CD line at 1-855-730-7283 is staffed 24/7 every day of the year, including all federal holidays. ACH transfers do not process on federal holidays because the Federal Reserve’s ACH network is closed; transfers initiated on a holiday post the next business day.

Federal holidays:

• New Year’s Day (January 1)
• Martin Luther King Jr. Day (third Monday of January)
• Presidents Day (third Monday of February)
• Memorial Day (last Monday of May)
• Juneteenth National Independence Day (June 19)
• Independence Day (July 4)
• Labor Day (first Monday of September)
• Columbus Day (second Monday of October)
• Veterans Day (November 11)
• Thanksgiving Day (fourth Thursday of November)
• Christmas Day (December 25)

Is Marcus by Goldman Sachs open now near me? The 24/7 customer service phone line at 1-855-730-7283 is always staffed for Savings and CD inquiries. The website and mobile app are always available. There are no Marcus branches with hours to check.

Contact Marcus by Goldman Sachs: customer service phone numbers

• Marcus Savings and CDs: 1-855-730-7283 (24 hours a day, 7 days a week)
• Marcus Personal Loans (existing customers): 1-844-627-2872 (Monday to Friday 8:00 AM to 10:00 PM ET; Saturday and Sunday 9:00 AM to 7:00 PM ET)
• Marcus Personal Loans (new applications, invitation only): 1-844-627-2871
• MarcusPay (new customers): 1-833-331-6279 (Monday to Friday 8:00 AM to 10:00 PM ET; Saturday and Sunday 9:00 AM to 7:00 PM ET)
• MarcusPay (existing customers): 1-844-627-2872 (same hours as Personal Loans existing)
• International callers (Personal Loans from outside the US): +1-212-357-0026 (Monday to Friday 8:00 AM to 10:00 PM ET)
• Goldman Sachs general inquiries: +1-212-902-1000 (Goldman Sachs main switchboard, business hours only)

The 24/7 Marcus Savings and CD line at 1-855-730-7283 is one of Marcus’ signature customer-service features and reflects Goldman Sachs’ investment in retail customer support since the brand launched in 2016. For most account questions, transfer initiations, rate verification, and lost-or-forgotten login support, this is the right number.

About Marcus by Goldman Sachs: history and the consumer-lending retreat

Origin: 2016 launch of Marcus by Goldman Sachs

Goldman Sachs launched Marcus by Goldman Sachs in October 2016 as the firm’s first major retail-consumer banking brand. The name comes from Marcus Goldman, the German-American immigrant who co-founded Goldman Sachs in 1869 in New York. The Marcus brand was launched alongside an initial product (online personal loans) and was housed within Goldman Sachs Bank USA, a New York state-chartered bank that Goldman had originally created in 2008 to access Federal Reserve emergency lending during the financial crisis.

Expansion: Online Savings and CDs (2018 to 2022)

Marcus added the Online Savings Account in 2018 by acquiring GE Capital Bank’s online deposit business, instantly making Marcus one of the largest direct online banks in the US. Certificates of Deposit followed in 2019. The Marcus Insights and Marcus Invest robo-advisor products launched in 2020 and 2021. By 2022, Goldman Sachs had over $100 billion in Marcus deposits and was talking about competing directly with Ally, Discover, American Express, and the other major online banks.

The consumer-lending retreat (2023 to 2025)

Goldman Sachs’ consumer ambitions ran into significant losses, particularly in unsecured personal lending and the Apple Card portfolio. Beginning in early 2023, Goldman announced it would scale back consumer lending:

• Early 2023: Marcus stopped accepting new personal-loan applications from the general public; existing customers can still access existing loans, and new applications are invitation-only. Goldman sold portions of the Marcus personal-loan portfolio.
• 2024: Marcus Invest (the robo-advisor) was shut down. Existing Marcus Invest accounts were transferred to Betterment.
• August 25, 2025: the GM Rewards Mastercard partnership transferred from Goldman Sachs (Marcus) to Barclays Bank Delaware. Goldman reportedly took a $400 million loss on the GM card partnership.
• 2026 onward: the Apple Card partnership is transferring from Goldman Sachs to JPMorgan Chase. Goldman is exiting the Apple Card portfolio, which had approximately $20 billion of receivables.

The retreat does NOT affect Marcus Online Savings, CDs, No-Penalty CDs, IRA CDs, or the FDIC insurance on existing deposits. Goldman Sachs Bank USA continues to operate; only the consumer-lending and consumer credit-card products are being wound down or transferred.

What remains active in 2026

The Marcus brand is now focused on deposit products: high-yield savings, CDs, and MarcusPay. The deposit business remains profitable for Goldman because customer deposits are a cheap funding source for Goldman Sachs’ overall balance sheet, while the loan side of the consumer business has been the source of most of the losses. Expect Marcus Online Savings and CDs to remain available for the foreseeable future.

Frequently asked questions

Where is the Nearest Marcus by Goldman Sachs Branch Near Me?

Marcus by Goldman Sachs has no retail branches anywhere in the United States. It is an online-only deposit bank with banking handled through marcus.com, the Marcus mobile app, and the 24/7 phone line at 1-855-730-7283. Goldman Sachs corporate offices exist in major cities (New York at 200 West Street is the global HQ, plus Salt Lake City, Dallas, Chicago, Los Angeles, San Francisco, Miami, Washington DC, and Boston), but these are not customer-facing Marcus branches.

How to Find the Closest Marcus by Goldman Sachs ATM Around Your Location

There is no Marcus ATM near you because Marcus does not issue ATM cards or debit cards for savings accounts and does not operate or partner with any ATM network for cash withdrawals. To get cash from a Marcus account, send the money via ACH transfer to a linked checking account at another bank, then withdraw from that other bank’s ATM network. Same-day ACH transfers of up to $100,000 are available before the daily cutoff.

Use the Map to See Locations of Marcus by Goldman Sachs Around You

The map on this page shows Goldman Sachs corporate offices, which are NOT customer-facing Marcus branches. Marcus banking is conducted entirely online or by phone. The closest practical “location” to use Marcus is wherever you have internet access or a phone signal.

Does Marcus by Goldman Sachs have an ATM card or debit card?

No. Marcus does not issue an ATM card or debit card for its savings accounts. There is no Marcus ATM network. To access cash, you must ACH transfer funds from Marcus to another bank account at a bank that does offer ATM access, then withdraw from that other bank’s network.

Does Marcus by Goldman Sachs have a checking account?

No. Marcus offers Online Savings, CDs (regular and IRA), No-Penalty CDs, and the MarcusPay buy-now-pay-later product, but does NOT offer a checking account. Marcus is designed to be a complement to a checking account at another bank, not a replacement for one. Many Marcus customers pair Marcus high-yield savings with a checking-plus-debit-card account at a different bank such as Ally, Chase, or Capital One.

Is Marcus by Goldman Sachs still accepting new accounts in 2026?

Yes, for savings and CDs. Marcus Online Savings, Certificates of Deposit (regular, No-Penalty, and IRA), and MarcusPay are all open to new applicants. Marcus Personal Loans, however, are invitation-only since early 2023 and not accepting general public applications. Marcus Invest was discontinued in 2024.

What is the Marcus by Goldman Sachs customer service phone number?

The main Marcus Savings and CD line is 1-855-730-7283, available 24 hours a day, 7 days a week. For Marcus Personal Loans (existing customers), call 1-844-627-2872 (Monday to Friday 8:00 AM to 10:00 PM ET; weekends 9:00 AM to 7:00 PM ET). For MarcusPay, the same 1-844-627-2872 line serves existing customers; new MarcusPay inquiries go to 1-833-331-6279. International callers reach Marcus at +1-212-357-0026.

Is Marcus by Goldman Sachs FDIC insured?

Yes. Marcus by Goldman Sachs deposits sit at Goldman Sachs Bank USA (FDIC certificate 33124), which is FDIC-insured. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category. If you also have deposits at Goldman Sachs Bank USA through any other channel (institutional, private wealth, etc.), the FDIC limit applies to your combined balance at the bank.

Where is Marcus by Goldman Sachs headquartered?

Marcus by Goldman Sachs operates within Goldman Sachs Bank USA, which is headquartered at 200 West Street, New York, NY 10282 (the Goldman Sachs corporate global headquarters in Lower Manhattan). Many Marcus customer service operations are housed at Goldman’s Salt Lake City office. There are no Marcus customer-facing branches.

What is the current Marcus Online Savings APY?

The Marcus Online Savings Account APY is variable and changes as market interest rates change. Recent rates have been in the 3.65% to 4.10% APY range. Check marcus.com for the current published rate before opening or transferring funds. Marcus has a reputation for not pulling surprise rate cuts and for tracking the broader high-yield savings market closely.

What happened to the GM Rewards Mastercard and Apple Card?

Both partnerships were part of Goldman Sachs’ consumer-lending push and both have been transferred or are being transferred away. The GM Rewards Mastercard transferred from Goldman Sachs (Marcus) to Barclays Bank Delaware on August 25, 2025. The Apple Card partnership is transferring from Goldman Sachs to JPMorgan Chase; the transition is in progress. Existing GM Rewards and Apple Card holders continue to use the cards through and after the transition; only the issuer changes.

Why is Goldman Sachs exiting consumer lending?

Goldman Sachs entered consumer banking in 2016 with the Marcus launch and grew the business aggressively through personal loans, the Apple Card, the GM Rewards card, and online savings. The lending side of the consumer business generated significant losses (estimated to total several billion dollars across personal loans, the Apple Card portfolio, and the GM card), while the deposit side (Marcus Savings, CDs) has been a profitable source of cheap funding for Goldman. The retreat from consumer lending reflects Goldman’s strategic decision to keep the deposit business while exiting the loan and credit-card businesses where it underperformed.

Can I open a Marcus account from outside the United States?

No. Marcus by Goldman Sachs deposit products are available only to US residents with a valid Social Security number or ITIN, a US street address, and a US-based checking account at another bank for funding and withdrawals. International customers are not eligible for Marcus savings, CDs, or MarcusPay.

For more banking guides

• Ally Bank Near Me, the closest direct competitor to Marcus among online-only banks (includes a debit card and ATM access that Marcus does not)
• Discover Bank Near Me, another major online-only deposit bank now owned by Capital One
• American Express National Bank Near Me, AmEx’s online savings and CD operation
• Capital One Bank Near Me, an alternative that offers both high-yield savings and checking-plus-ATM access
• Charles Schwab Bank Near Me, an online-first bank with unlimited worldwide ATM fee rebates
• Banks Open on Holidays Near Me, the federal holiday schedule and which banks observe which holidays
• ATM Near Me, find ATMs at any bank, surcharge-free options, and drive-thru ATMs
• Banks Near Me homepage, a directory of 70+ US, UK, and international banks