Capital One 360 vs Marcus by Goldman Sachs Savings, Compared
We don't publish either institution's current APY here — see the methodology for why we'd rather show a real national benchmark than an unsourced bank-specific number. What we can compare, sourced from each bank's own disclosures: what it costs to open and keep the account, what it takes to earn the top published rate, and how you actually get cash out. Capital One 360's catch: No ATM card on the savings account, and — as of early 2026 — Capital One is also the institution absorbing former Discover deposit customers post-merger, so its own savings product and the migrated Discover balances are converging into one system. Marcus by Goldman Sachs's catch: Zero card access, period — not "link a checking account," just no path to a physical card. Fine for a pure savings parking spot, a real friction point if you need occasional cash.
The comparison
What actually differs, sourced from each bank
Every figure below is a structural account term, checked against Capital One 360's and Marcus by Goldman Sachs's own disclosures as of early August 2026 — not an APY. Rates change constantly and we don't yet publish named-institution rates (see the methodology); confirm the current rate directly with each bank before you decide.
Capital One 360
Marcus by Goldman Sachs
FDIC entity
Capital One, N.A.
Goldman Sachs Bank USA
Open to new applicants
Yes
Yes
Minimum to open
$0
$0
Monthly fee
$0
$0
To earn the top rate
360 Performance Savings pays its published rate to every balance, with no direct-deposit or activity requirement.
Marcus pays its published Online Savings rate to every balance, with no direct-deposit or activity requirement.
ATM / debit access
Not on Performance Savings directly — ATM/debit access requires linking a 360 Checking account (70,000+ fee-free Capital One and partner ATMs via that checking account).
None at all — there is no debit or ATM card on any Marcus savings product; every withdrawal routes out by ACH transfer, wire, or check to a linked external account (same-day ACH available up to $100,000).
The catch on each
Capital One 360
No ATM card on the savings account, and — as of early 2026 — Capital One is also the institution absorbing former Discover deposit customers post-merger, so its own savings product and the migrated Discover balances are converging into one system.
Marcus by Goldman Sachs
Zero card access, period — not "link a checking account," just no path to a physical card. Fine for a pure savings parking spot, a real friction point if you need occasional cash.
On the rate itself
We don't publish Capital One 360's or Marcus by Goldman Sachs's current APY — both change frequently and we don't yet have a sourced, dated feed for named-institution rates. What we do publish is the real, dated FDIC national-average benchmark, so you have a floor to check either bank's advertised rate against. See the high-yield savings guide for that benchmark and how to read an APY.
Next step
See how every savings option compares.
We don't open accounts or hold your money. We lay out the account terms against a published standard so you can decide with the fine print in plain sight, then take it to the bank that holds the account.
Compare savings accountsGet an email when Capital One 360 or Marcus by Goldman Sachs rates change.
We track both of these. We'll email you the moment either changes — no checking back.
Frequently asked
Are Capital One 360 and Marcus by Goldman Sachs both FDIC-insured?
Yes. Capital One 360 deposits are held by Capital One, N.A.; Marcus by Goldman Sachs deposits are held by Goldman Sachs Bank USA. Both are FDIC member institutions, insuring deposits up to $250,000 per depositor, per ownership category. The insurance comes from the bank through the FDIC, not from ClearValue Banking. Confirm current FDIC status at the FDIC's BankFind tool before you move money.
What's the minimum to open an account — Capital One 360 vs Marcus by Goldman Sachs?
Capital One 360 requires $0 to open and charges $0 in monthly fees. Marcus by Goldman Sachs requires $0 to open and charges $0 in monthly fees.
Does Capital One 360 or Marcus by Goldman Sachs require direct deposit to earn its top rate?
Capital One 360: 360 Performance Savings pays its published rate to every balance, with no direct-deposit or activity requirement. Marcus by Goldman Sachs: Marcus pays its published Online Savings rate to every balance, with no direct-deposit or activity requirement. Confirm current tiering directly with each bank before you decide — this changes without notice.
Can I get an ATM or debit card with Capital One 360 or Marcus by Goldman Sachs?
Capital One 360: Not on Performance Savings directly — ATM/debit access requires linking a 360 Checking account (70,000+ fee-free Capital One and partner ATMs via that checking account). Marcus by Goldman Sachs: None at all — there is no debit or ATM card on any Marcus savings product; every withdrawal routes out by ACH transfer, wire, or check to a linked external account (same-day ACH available up to $100,000).