Banking » Compare Banks » Axos vs Marcus: Which Online Bank is Better in 2024?
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Axos vs Marcus: Which Online Bank is Better in 2024?

Both Axos and Marcus offer fee free savings accounts to make managing your money easy. However, Axos offers a better savings rate. Additionally, Axos offers a basic checking account and you can upgrade to enjoy up to 1% on your balance or 1% cash back on your debit card purchases, while Marcus does not have a checking account option.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table Of Content

Marcus by Goldman Sachs Bank provides online savings accounts, CDs, and personal loans. Marcus has no physical locations, so you'll have to access your accounts through the Marcus website, mobile app, and phone-based customer service.

Marcus, on the other hand, debuted in 2016, making Goldman Sachs banking more accessible to the general public. Our in-depth Marcus review may assist you in determining whether this online bank is right for you. 

Goldman Sachs is one of the world's largest investment banks, with offices in every major financial center and a long list of clients that includes other banks and even the state of New Jersey. However, with Marcus, you could be next on the list.

Axos is one of the most established online-only banking services. It has been in operation since 2000 and continues to expand its services for both individuals and businesses. The bank is headquartered in San Diego, California, and is a subsidiary of Axos Financial. While the bank has three locations, the majority of its customers are served online.

While Axos Bank is an online bank, it also provides full-service banking and a variety of accounts to suit the needs of most private customers and small businesses. So, in this section, we'll look into Axos Bank to see if it has any accounts that meet your needs.

Banking Options

Axos Bank
Marcus
Savings Accounts
Checking Accounts
CDs
Money Market Account
Debit Card
Credit Cards
Personal Loans
Mortgage
Government Mortgage
Business Loans
Investing Capabilities

Savings Account

Although Marcus offers an impressive 4.40% APY for its savings account, Axos has an even better rate, depends on your conditions. You can earn Up to 0.61% APY on balances up to $24,999. After this the rate drops, depends on your account balance. However, it is unlikely that you would use this type of savings product if you had a larger sum to deposit. Both considered among the best savings account in the industry.

The downside of this is that there is a minimum deposit of $250 to open an Axos savings account. However, once your account is opened, there are no minimum monthly account balance requirements.

Axos Bank
Marcus
APY
Up to 0.61%
4.40%
Fees
$0
$0
Minimum Deposit
$250
$0
Checking Needed?
No
No
Main Benefits
  • Tiered interest, with the 0.61% rate available up to $24,999
  • Free ATM card available on request.
  • Biometric security authentication
  • No fees or minimum deposits
  • Same day transfers up to $100,000 to and from other banks
  • Access to 24/7 support and learning resources
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to get the maximum rate (up to $50,000) you'll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).

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Checking Account

There is no comparison here. While Axos offers a fee free account with some innovative features like Direct Deposit Express, which allows you to access your paycheck up to two days early, Marcus does not have a checking account option.

In fact, Axos has a number of checking account options to help you to choose the best one for your needs. For the purpose of the above table, we looked at the Essential Checking account, which is Axos’s basic checking account, but you can upgrade.

The Rewards Checking account pays 1% on your account balance, while the Cash Back Checking offers up to 1% cash back. While these accounts are fee free, there are some opening requirements. The most obvious is that you need an initial $50 deposit to open these accounts.

Axos Bank
APY
Up to 3.30% APY to get the maximum rate (up to $50,000) you'll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).
Fees
$0
Minimum Deposit
$0
Main Benefits
  • Get paid up to 2 days early with Direct Deposit Express.
  • No overdraft or non-sufficient funds fees.
  • Make Peer to Peer payments directly from your account.
  • Account alerts via text, email or push notifications..

CDs

This is one area, where a straight comparison is possible and Marcus has the edge. While Axos has a minimum deposit requirement of $1,000 and a flat 0.20% rate regardless of the CD term, Marcus only requires $500.

You can also access better rates if you commit to a longer term, with up to 0.80% available. However, even on the basic one year CD, Marcus’s rate is more than double that of Axos. This makes Marcus the clear winner in this comparison.

Axos Bank
Marcus
Minimum Deposit
$1,000
$500
APY Range
0.20%
3.90% – 5.10%

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CD Rate: 5.00% – 5.20% APY
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Personal Loans

Marcus provides personal loans with no fees, including late fees, prepayment fees, and application fees. The interest rates are slightly higher than the competition because you are only required to pay the principal loan amount and interest. However, for those with good credit who want to avoid annoying fees, this can be a good option.

Marcus personal loans are distinguished by the availability of prequalification. If you are unsure whether you will be eligible for a loan, you can fill out a simple, short form. This is only a soft credit check, so you avoid triggering a hard credit check and potentially jeopardizing your credit score. Prequalification allows you to research and compare Marcus loan options.

Axos Bank provides personal loans through their website. If you have a low credit score, a high debt-to-income ratio, and no income or credit history, it may be difficult to qualify with Axos Bank.

Regardless of how you apply, your credit should not be affected during the pre-qualifying process. Because Axos personal loans do not charge an early payoff fee, you can pay off your loan early and save a significant amount of money in interest.

You should receive funds within two days after your loan has been approved and you have agreed to the terms.

Axos Bank
Marcus
APR
11.79% – 20.84%
6.99% – 24.99%
Loan Amount
$5,000 – $50,000
$3,500 – $40,000
Terms
36-72 months
36-72 months

Customer Service

Axos has a 24/7 helpline, but you can also chat with the Evo virtual assistant or browse the extensive support page on the website.

Marcus has a number of toll free numbers, according to your query area, but none of them are 24/7. Most of the lines are open from 8 am or 9 am to 10 pm ET.

Online/Digital Experience

Both Axos and Marcus have an easy to use website to explore products and access support and help with various finance topics. This ensures a great user experience, particularly if you’re not sure exactly what banking services and products are the best option for you.

Both the banks also have highly rated apps. The Axos app is rated 4.7/5 and 4.5/5 for Apple and Google respectively, while the Marcus app is rated 4.9/5 on the Apple Store and 4 out of 5 on Google.

These apps allow you to not only transfer funds and manage your transactions, but you can access support and manage your card. You can even locate the nearest fee free ATM through the app, making it highly convenient if you’re in an unfamiliar neighborhood.

Which Bank is The Winner?

These banks offer different products and services, but does this mean one is a better bank? We’ll need to look a little closer to make that determination.

Both Axos and Marcus offer fee free savings accounts to make managing your money easy. However, Axos offers a better savings rate. Additionally, Axos offers a basic checking account and you can upgrade to enjoy up to 1% on your balance or 1% cash back on your debit card purchases, while Marcus does not have a checking account option.

Marcus has obviously geared its services towards those interested in investments. So, its CDs far outstrip the Axos offerings. The minimum deposit is smaller and you can achieve rates of up to 0.80%, while Axos only offers 0.20% regardless of term.

Marcus logo
The Smart Investor Logo
APY Savings The annual percentage yield (APY) is a percentage that represents the amount of money or interest earned on your savings account over the course of a year. The APY factored in compound interest. A savings calculator can help you quickly determine how much you'll earn with a given APY.
4.40%
Up to 0.61%
Up to 5.02%
Checking Fee The monthly fee on checking account
Not Available
$0
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Mobile App Rating
4.9/5 on iOS
3.9/5 on Android
4.7/5 on iOS
4.4/5 on Android
Various Banks
Open Account
on Marcus website
Open Account
on Axos website
Compare
on our website

FAQs

As of July 2024, Marcus has no promotions on their savings account.  If you're looking for promotions, check out our top savings account promotions of July 2024.

The Marcus by Goldman Sachs Online Savings Account may be a good choice if you want to minimize fees while maximizing interest. But only if you don't mind not being able to visit a branch, deposit checks via a mobile app, or withdraw cash from an ATM.

If those features are important to you, consider a few other options. In fact, it's always a good idea to compare prices. After all, the APYs offered by high-yield savings accounts change on a regular basis, and online banks frequently introduce new features and incentives.

Axos Bank is a good option for transferring your banking activities online. There are options for checking, saving, and investing with competitive rates and low fees. On iOS, the bank's mobile app has a high rating. While its mobile banking app does not stand out, you can use it to perform basic tasks such as checking balances and viewing and activating cash back offers.

The bank excels in customer service hours: customer service representatives are available 24 hours a day, seven days a week. The exceptions are Christmas and Thanksgiving. Despite the lack of physical locations, Axos Bank provides excellent customer service, making it an excellent choice for the majority of customers.

While Chime does not charge monthly fees, the main advantage of this platform is that you can pay friends using the mobile app. This makes it a less comprehensive banking service when compared to Axos, which offers a wide range of accounts at competitive rates. So, unless you frequently send money to friends, Axos Bank is likely to be far more appealing for your day-to-day banking needs.

Marcus is well-known for not charging any fees. There are no fees associated with its savings account. You will also not be charged any fees if you obtain a loan.

The only catch is that CDs require a $500 minimum deposit and, unless you open a no-penalty CD, you may be charged an early withdrawal penalty if you take your money out before maturity.

Review Alternative Banks

Banking Reviews

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Ally Bank is an online bank that arose from the banking division of General Motors Acceptance Corporation. GMAC used to be an auto financing company before being purchased by Ally Bank. This bank now offers a wide range of products. Among the products available are credit cards, home loans, investing products, savings accounts including certificates of deposit, and checking account options. Ally Bank serves millions of customers and provides high-quality banking services.

Axos is a well-established online-only banking service. It has been in business since 2000 and is constantly expanding its services for both individuals and businesses. The bank is a subsidiary of Axos Financial and is headquartered in San Diego, California. Despite the fact that the bank has three locations, the vast majority of its customers are served online.

Read Full Comparison: Axos Vs Ally Bank Comparison – Which Is Better?

Axos Bank is still committed to providing a “100% digital” experience, as evidenced by the absence of branches. When there are no branches, customers benefit from higher rates of return on financial products. Axos Bank is also a full-service bank, providing individuals and businesses with deposit accounts and loans.

Discover Bank, while not a full-service bank, is part of the Discover Group, which provides a wide range of loan products. If you have a Discover Bank account, you will be in their system if you ever need a loan or a credit card. With the exception of Delaware, Discover Bank does not have bank branches.

Read Full Comparison: Axos vs Discover: Which Bank Account Is Better?

Axos Bank offers home improvement loans as well as checking and savings accounts online. Because Axos is a low-cost online lender, it is able to pass on significant savings to its customers. Axos waives many fees and reimburses ATM and rewards checking fees.

Chime is an online-only company that works with two banks to provide checking and savings accounts. Online banking with Chime is not the same as using a traditional banking system. Chime secures and protects your online financial accounts. It is a safe place to keep your money and access it without any technical difficulties.

Read Full Comparison: Axos VS Chime: Which Online Bank Is Better?

Axos is a large online bank that offers checking, savings, CDs, investing, and other services. Customers can earn interest or cash back on a variety of checking account options. The APY on Axos Bank's Rewards Checking account isn't the highest among online banks, but it's high enough to justify opening an account as part of a larger online banking strategy, and there aren't many fees.

Varo Bank is a web-based bank that offers a variety of deposit and loan products. It was founded in 2015 and is based in San Francisco. Varo offers high-yield savings accounts and cash-back checking accounts, as well as a fee-free ATM network (see below for more information from Varo) and automatic savings tools.

Read Full Comparison: Axos vs Varo: Compare Banking Products

Marcus, a Goldman Sachs Bank division, provides online savings accounts, CDs, and personal loans. Marcus has no physical locations, so you can only access your accounts through the Marcus website, mobile app, or phone-based customer service.

In addition to assisting you in avoiding typical bank fees, Chime includes useful new features such as early direct deposits and automatic saving. While Chime does not provide credit cards or loans, its savings options and competitive interest rates make it an excellent choice, especially for younger people.

Read Full Comparison: Chime vs Marcus: Which Online Bank Wins?

CIT Bank provides a variety of savings account options. If you link your checking account and make qualifying deposits, you can earn a higher rate on the two-tiered Savings Connect. The other savings option is the Savings Builder, which offers 0.399 percent if you keep a balance of $25k or more, or make at least $100 in monthly deposits. There is a six-transaction limit per statement cycle, but there are no account maintenance fees.

Marcus provides an impressive 0.50 percent without the CIT hoops. There is no required minimum deposit or balance. You can also make same-day transfers to and from the account of up to $100,000.

Read Full Comparison: CIT Bank vs Marcus: Compare Banking Options

Marcus distinguishes itself through its investment options. With a variety of IRA options, you can experiment with different account types and portfolios. Marcus may appeal to you if you want the convenience of having your funds in a high yield savings account or if you are new to investing. 

Synchrony focuses on accounts that help you save money. So there are high yield savings accounts, CDs, and money market accounts. You can also gain access to IRAs. Synchrony does, however, offer a variety of credit cards.

Read Full Comparison:: Marcus vs Synchrony Bank: Where to Save Your Money?

Marcus' banking product offering is more specialized. Marcus' product line reflects its investment pedigree as part of the Goldman Sachs Group. CDs, high-yield savings, investment options, and a variety of loans are available.

Ally has a banking product line that competes with traditional, high-street banks. A checking account, savings account, CDs, mortgages, auto loans, personal loans, retirement products, and investments are among the numerous products available.

Read Full Comparison: Ally vs Marcus: Which Online Bank Is Better?

Marcus is a subsidiary of Goldman Sachs, which is reflected in its banking products. Marcus provides high-yielding savings and CDs, as well as investment options and a variety of loans. This does not, however, include a checking account.

SoFi's banking products are more akin to those of traditional banks. While there are no checking or savings accounts available, rather a hybrid account, you can access loans, mortgages, and investment products. SoFi also offers insurance. CDs and traditional savings accounts, on the other hand, are not available in the SoFi catalog.

Read Full Comparison: Marcus vs SoFi Money: Which Banking Service Is Better?

Compare Marcus With Other Banks

CIT Bank provides a variety of savings account options. If you link your checking account and make qualifying deposits, you can earn a higher rate on the two-tiered Savings Connect. The other savings option is the Savings Builder, which offers 0.399 percent if you keep a balance of $25k or more, or make at least $100 in monthly deposits. There is a six-transaction limit per statement cycle, but there are no account maintenance fees.

Marcus provides an impressive 0.50 percent without the CIT hoops. There is no required minimum deposit or balance. You can also make same-day transfers to and from the account of up to $100,000.

Read Full Comparison: CIT Bank vs Marcus: Compare Banking Options

Marcus distinguishes itself through its investment options. With a variety of IRA options, you can experiment with different account types and portfolios. Marcus may appeal to you if you want the convenience of having your funds in a high yield savings account or if you are new to investing. 

Synchrony focuses on accounts that help you save money. So there are high yield savings accounts, CDs, and money market accounts. You can also gain access to IRAs. Synchrony does, however, offer a variety of credit cards.

Read Full Comparison:: Marcus vs Synchrony Bank: Where to Save Your Money?

Marcus' banking product offering is more specialized. Marcus' product line reflects its investment pedigree as part of the Goldman Sachs Group. CDs, high-yield savings, investment options, and a variety of loans are available.

Ally has a banking product line that competes with traditional, high-street banks. A checking account, savings account, CDs, mortgages, auto loans, personal loans, retirement products, and investments are among the numerous products available.

Read Full Comparison: Ally vs Marcus: Which Online Bank Is Better?

Marcus is a subsidiary of Goldman Sachs, which is reflected in its banking products. Marcus provides high-yielding savings and CDs, as well as investment options and a variety of loans. This does not, however, include a checking account.

SoFi's banking products are more akin to those of traditional banks. While there are no checking or savings accounts available, rather a hybrid account, you can access loans, mortgages, and investment products. SoFi also offers insurance. CDs and traditional savings accounts, on the other hand, are not available in the SoFi catalog.

Read Full Comparison: Marcus vs SoFi Money: Which Banking Service Is Better?

Marcus, a Goldman Sachs Bank division, provides online savings accounts, CDs, and personal loans. Marcus has no physical locations, so you can only access your accounts through the Marcus website, mobile app, or phone-based customer service.

In addition to assisting you in avoiding typical bank fees, Chime includes useful new features such as early direct deposits and automatic saving. While Chime does not provide credit cards or loans, its savings options and competitive interest rates make it an excellent choice, especially for younger people.

Read Full Comparison: Chime vs Marcus: Which Online Bank Wins?

Both Barclays and Marcus bank offer great savings rates for depositors who are interested in CDs or savings accounts. How they compare? Barclays Bank vs. Marcus

How We Compared Axos Bank and Marcus: Methodology

In our comprehensive banking comparison, The Smart Investor team thoroughly assessed Axos Bank and Marcus across five main categories:

  • Checking Accounts (30%): We scrutinized essential features like direct deposit, debit card availability, monthly maintenance fees, ATM and branch access, check deposit, bill pay options, and account alerts. Additionally, we considered any special checking account options and promotions offered to customers.
  • Savings Accounts including CDs (20%): Our evaluation focused on critical factors such as APY (Annual Percentage Yield), minimum deposit requirements, Terms and Flexibility of accounts, and the assurance of FDIC insurance. We also examined special savings options, variety of CDs, automatic renewal options, and early withdrawal penalties.
  • Credit Cards (15%): We analyzed the rewards program, annual fees, intro bonuses, travel benefits, APR, and balance transfer options offered by each bank's credit cards, ensuring a comprehensive comparison of available features.
  • Lending Options (15%): We assessed the variety of lending options available, including personal loans, student loans, mortgages, secured loans, HELOCs, and Home Equity Loans, providing consumers with insights into the bank's lending capabilities.
  • Customer Experience And Bank Reputation (20%): Our evaluation included an analysis of online banking and mobile app usability and ratings, customer support accessibility, online reviews, JD Power research, Trustpilot ratings, and the overall Financial Stability of each bank, ensuring a holistic view of customer experience and reputation.
Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Up to 3.30% APY
to get the maximum rate (up to $50,000) you’ll need monthly direct deposits of $1,500 (0.40% APY), 10 transaction on your debit card (+0.30% APY), average daily balance of $2,500 on Axos Invest Managed Portfolio (+1.00% APY), average daily balance of $2,500 on Axos Invest Self Directed Trading Account(+1.00% APY) and make full monthly payment on loans (mortgage, personal and auto) with Axos account (+0.60% APY).

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