Marcus by Goldman Sachs vs Wealthfront (Brokerage Cash)
Head-to-head comparison of Marcus Online Savings Account and Wealthfront Cash Account, updated daily.
Wealthfront (Brokerage Cash) currently wins on APY: 4.50% vs 3.65%
| Feature | Marcus by Goldman SachsLive | Wealthfront (Brokerage Cash)Updated 1d ago |
|---|---|---|
| APY | 3.65% | 4.50%★ |
| Min opening deposit | $0★ | $1 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | monthly |
| ATM access | No | Yes★ |
| Check writing | No | Yes★ |
| Mobile app | Yes | Yes |
| Editor rating | 4.5 / 5 | 4.7 / 5★ |
Marcus by Goldman Sachs verdict
Marcus is the conservative choice. It does not have the absolute highest APY on the market, but it is consistently within the top tier and is backed by one of the most established financial institutions in the world. For savers who prioritize stability over chasing rates, this is our recommended option.
Read full Marcus by Goldman Sachs review →Wealthfront (Brokerage Cash) verdict
Wealthfront's Cash Account is technically a brokerage sweep product, not a bank account — but the practical experience is identical, and the FDIC pass-through coverage ceiling is the highest on this list. If you have over $250k in cash, Wealthfront is the cleanest way to keep it fully insured in one place.
Read full Wealthfront (Brokerage Cash) review →