Updated offer for 2026. May sure you enroll first! Marcus by Goldman Sachs is offering a up to a $1,500 deposit bonus (starting at $100 bonus on $10,000 in new funds) into their online savings account within 10 calendar days of enrollment at this special offer page. Valid for both new and existing customers. You must enroll first by 3/11/26 and maintain the new funds for 90 days (after the end of the 10-day funding period, so possibly up to 100 days total). You then get the bonus after another 14 days. No offer or promo code required. They have done a similar promotion in past years (and it’s nice that you can keep doing it). Here are the tiers:
After enrolling, you must deposit $10,000 or more in new funds from an external account into your Account within 10 calendar days of enrollment (the “Funding Period”). The Account balance plus a minimum of $10,000 in new funds (the “Required Dollar Amount”) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at 12 am ET the day you enroll. Once the Funding Period has ended, your Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for purposes of this Offer.
Important disclosures: Enroll your Online Savings Account in the Offer, then deposit (within 10 calendar days of enrollment) and maintain at least $10,000 (for $100 bonus), $50,000 (for $750 bonus), or $100,000 (for $1,500 bonus) of New Funds, plus your balances in your enrolled account and across all Marcus accounts as of 6:00 pm ET on 1/27/26, for 90 days after the 10-day Funding Period. Withdrawals made by you or a joint owner while enrolled, including CD maturities to non-Marcus accounts or CD early withdrawals, may result in a lower bonus or losing eligibility, depending on your balances.
New customer referral offer. If you don’t have a Marcus account yet, if you open with a Marcus referral link from an existing customer, you will a small 0.25% bonus (it keeps shrinking!). That’s my referral link, thanks if you use it! I’d open and get the referral offer first, and then later enroll in this $100 offer as an existing customer.
Bonus math. Here’s how it works out for each tier:
- $100 is a 1% bonus on $10,000 if you keep it there for 90 days, which makes it the equivalent of ~4% APY annualized.
- $750 is a 1.5% bonus on $50,000 if you keep it there for 90 days, which makes it the equivalent of ~6% APY annualized.
- $1,500 is a 1.5% bonus on $100,000 if you keep it there for 90 days, which makes it the equivalent of ~6% APY annualized.
The bonus is on top of the standard interest rate, currently 3.65% APY as of 1/29/2026. Compare with my latest update of best interest rates. I have gotten a similar Marcus bonus in the past with no issues. Make sure you enroll at the link above first before transferring in your new funds.
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I like the bonus process at Marcus as once you enroll they will provide exact dates for every step.
Yeah it’s the best online bank at telling you what to expect and when.
This is a great offer as I’m also an AARP member. I signed up and then went back and added the $100 offer. I funded the account when I signed up and the transfer is currently processing. I’m hoping that my original funding qualifies for the $100 bonus added after the fact due to the delay in transfer. The AARP account has to be added externally. In other words, I asked, they commented that I needed to call and have a representative attach my AARP account manually for the additional APY. Thanks for all that you do Jonathan! I am working really hard to fund my retirement and every little bit helps. You always provide such great information and it is very much appreciated.
We signed up the offer again. Thanks to Jonathan post.
Also CU1 has a $1000 bonus offer for its Savings 3.75% APY thou rate can change w/o notice. Due to the 12 months requirement, not sure if it’s a good deal. Your thoughts?
https://www.creditunion1.org/bank/savings/high-yield-savings-plus/
How much do they make you deposit and how long to keep?
Anyone got email :”$100 Cash Bonus: Requirements not met”
I enrolled on first day 1/18 and immediately do a transfer for my wife and my account.
both account just got the $100 Cash Bonus: Requirements not met email.
there is no bonus status anymore in the account. there were after I enrolled.
forgot to check after a few days.
there is no chat on line, even though the website say it does.
calling is a forever hold online.
actually there is a chat, it’s under help. so hard to find
What is the catch?
I received the same email and wondering what did wrong
I also saw chat, but the hold time is long on that also for an agent.
I am guessing that I transferred money from an external account using Marcus (did a Pull) instead of initiating the deposit of funds at the external account (doing a Push)
I am thinking about taking out the funds and restarting the process before the deadline of 2/15
that’s not going work, as that will count as taking out fund during the promotion period.
Yes, I also just received the same email today. Calling them now but the hold is forever…
still waiting on chat.
I wonder if they have a glitch and now they are flooded with calls.
Marcus just called me back saying it was a system glitch and they will send out an email in two days to explain it. She told me my enrollment offer remains valid depite the email.
So, is this offer equivalent to 4% as you mention in the 1st paragraph, or 7% as you mention in the 2nd paragraph?
Thank you
This offer was deceptive. I deposited 10 thousand and after 90 days they did NOT deposit $100. Customer service tells me it’s because I did not “Enroll”. I asked what that meant. I was told that I didn’t talk to an agent to enroll me in the program. Marcus is a good bank, but there are others just as competitive. I don’t like being lied to. I’m closing all of my accounts. It’s a huge error on their part to lose a potential life long customer who likes to invest in CDs. And to be fair, I worked for Wells Fargo for 8 years- and basically all banks use any and all legal loop holes to trick their customers. There’s nothing special about Marcus.
You make an excellent point.
I also used to work for WF. Back in the day, we were strongly incentivized to open Credit card/loan accounts for as many customers as possible. I remember the people were lining up and complaining that all of a sudden they had loan accounts that they did not even sign up for.
Can anyone confirm that you can combine the referral bonus (extra 0.25%) with the deposit bonus? I was going to have my mom do this but didn’t want to mess up her eligibility.
I just want to make sure I am reading this offer correctly.
If I deposit $100,000.00 within the 10-day funding period, can I withdraw the interest earned within the 90 day holding period, ensuring that the account balance is always $100,000.00 after any interest withdrawals?