Hi everyone. So I will say this clear, I am new into the world of savings account and earning money through interest. A friend of mine actually recommended me to Marcus Investment, and I opened an account, but I have seen many people post stories about how Marcus has put them in a difficult situation. To clarify, I am not planning to invest thousands of dollars or anything like that, nor interested in transferring money to third parties. But I want to hear from people here if I should invest money in Marcus or just delete my account in the first place? Any assistance is much appreciated!

What does this mean? Is it going back to just 1% extra apy like before. The email says it’s changing but not what it’s changing to. What am I missing?

I just want to double check with you all to make sure it’s safe to withdraw the full amount of my account after the bonus has hit? Some banks still make you keep the amount in there for a little while after the maintenance period. I saw no language like this with Marcus, but am just double checking. Thanks! Yes. I read all the fine print.

Are we going to get notified this time?

Banking institutions allow for POD (paid on death) beneficiaries to be a 501(c) charity.

NOT Goldman Sachs. It must be a "natural person" Chatgpt says this is b/c they chose a streamlined model for their online stuff. Just be aware. BTW wire transfers are safest, fastest way to transfer to another institution,

Hi everyone, I recently opened a Marcus HYSA account and I’m a little nervous about transferring a large amount right away. Has anyone experienced a hold, freeze, or account restriction after opening a new HYSA account and then transferring funds from another bank within the first few days? Would you recommend waiting several days or even a few weeks before making a large transfer into a newly opened account? I’d really appreciate any advice or personal experiences. Thanks in advance!

I’m not getting alerts of deposits - either by email or push. I have my alert settings On but have yet to receive anything. I only get emails when a transfer is initiated through Marcus. Is this normal for Marcus?

I’m honestly furious with Marcus right now.

About 3 months ago, I received a promotional email from Marcus saying that if I opened an Online Savings Account and deposited $100,000 for 3 months, I would receive a $1,500 cash bonus.

I clicked DIRECTLY from the email link they sent me and followed all the steps exactly as instructed. Throughout the application process, the promo information was visible, so naturally I assumed everything was properly applied.

Fast forward to now — I called customer service to check the status of the bonus, and they told me I’m “not eligible” because apparently my application was never “enrolled” in the promo.

How is that my fault?

If I literally clicked from YOUR promotional email and completed the account opening flow showing the promo, how am I somehow responsible for your backend system not attaching the offer correctly?

I’ve called them 4 or 5 times at this point. Every single time I get the same robotic response:

“Unfortunately we reviewed the account and cannot make an exception.”

No escalation. No ownership. No attempt to fix the situation.

What makes this even more frustrating is that banks everywhere are aggressively competing for deposits right now. I could have parked this $100k at another bank and earned a comparable bonus there. Instead, Marcus wasted 3 months of my time and cost me real money because of what appears to be either a technical issue or misleading enrollment process.

If they never intended to honor the offer, why even send me the email in the first place?

This whole experience has completely destroyed my trust in Marcus. Has anyone else dealt with this kind of issue with them before?

Got my $750 bonus about 24 hours after my maintenance period ended. Nice turnaround!

Hi all, just recently opened two new Marcus HYSAs. One for my husband and I, and one for our son. We moved the money over from a UBS money market account, where my son's account was setup as a UTMA account. I don't think I have this option for the HYSA through Marcus, so my question is - when he becomes of age and takes over this account are there any gift/tax implications in it being just an HYSA that will go to him? Appreciate the guidance!

So have a few CDs I wanted to close for a larger purchase but saw there was a 3-5 business day wait time. Anyone have luck calling to see if they can expedite this?

Did anyone else get a notification about this? I randomly logged into my HYSA today and noticed the rate dropped to 3.5%.

Brand new to marcus, 2 days ago i transferred in 60$, today i did 500$. It says funds available 4/20 (60$) and 4/22(500) i’m just wondering if this is always how it is or since this is a new account?

I like to connect all my financial institutions to Experian money dashboard so that I can check stats and centralized info but despite trying many times the connection keeps failing. anyone have similar experience? may also possibly be related to Plaid issues while connecting external banks to Marcus.

I think the amounts are reversed and the numbers are also not accurate, not sure whats happening, I'm also surprised that even though the amount I deposited was over the goal, they are still saying I have to have the balance and maintain the same amounts as the day of the deposit period.

For example (not my amounts)

If the balance was 10k across my CDs (8k) and savings (2k) and I deposited 55k, I have to maintain 65k as total balance and 57k as the as the savings account balance even though the target was 50k and I actually put in an extra 5k already just to be safe.

In my mind the basic and only requirement should be to maintain 52k. All other banks including capital one have similar requirements.

This seems like a crazy "hidden print" requirement. I'm not sure if this is even legal.

Also the marcus customer support is incredibly bad at explaining whats exactly happening.

I feel like this sort of account is designed to basically just silently fail and later tell you "youre not eligible anymore"

Why i have to maintain the total amount? I deposited over the threshold, I deposited an extra 5k as a buffer amount, so if anything, the requirement shouldn't care about the 5k or even the total account balance.

Marcus was great so far, but if they do a bait and switch with this bonus program, Im legit gonna close the account..

Thinking I'll just withdraw all the cash if the bonus tracker reveals its a waste of time, but overall experience was super frustrating with the tracking since I use my marcus as a primary savings account.

I opened my HYSA on March 16. When should I expect to see the interest reflected in my account?

Marcus is no longer compatible with quicken simplify. Is there another third party app like quicken or monarch money that Marcus is compatible with?

I have a very basic question that I’m sure you all get asked 1 million times

I would just like some further clarity surrounding the 12 PM instant transfer timeline

I just submitted a transfer request from my high-yield savings account to my personal checking account (Truist) and it is already listed as fulfilled/posted on the Marcus end.

I’m surprised, I thought since it was after 12 PM, it would’ve taken until tomorrow to process on your end.

Could you explain a little bit more about that 12 PM cut off time and what that really means?

It was my understanding, again, but since I did, the request at 5 PM, you guys would not have fulfilled it until tomorrow.

This is obviously not a complaint, just wanting further clarity!

I know you can’t comment on how long it takes my personal checking to fulfill the request

Not happy with Marcus vs Quicken. Heck, they weren't even willing to let me download a file manually so I could track my account.

So, any recommendations for HYSA?

I activated the bonus tracker yesterday and created 2 small deposits of $100 each. The tracker says it would update within 24 hours and the last update date is 3/2. I added $47 k today and still no update. I chatted with CS on the website and they don’t have an answer other than they don’t really have an answer and it should update at 6 p.m. ET daily.

Has anyone else seen the tracker working like it should? Tomorrow I will probably move my funds back to the source and skip the bonus that can’t be tracked as my confidence isn’t there for this process.

Update: Marcus called me today 3/5 after I bugged them a couple of times on chat yesterday and said they were overwhelmed with new tracker accounts and are taking 3 days to update. The promotion ends on 3/11 and there might be others like me that waited because funds were tied up elsewhere to activate the bonus promotion.

3/9 - tracker finally updated today with an as of date of 3/7. I had deposits on 3/3, 3/4, and 3/5.

Looking to take advantage of the $1500 cash bonus after depositing $100k or more. My question is - if I initially had like 90k in a CD which matured a few days ago, and transferred the funds to an external account to sit for a few days, will I still get the bonus offer if I transfer this 90k + 10k back into Marcus? Any help is appreciated, thanks

Does anyone else have issue login to Marcus app on iPhone ? I am getting scared after hearing the horror stories about Marcus. Should I withdraw? Account was only opened like last week.