Marcus Bank: $100 Bonus on $10,000 Deposit (New and Existing Customers)

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Marcus by Goldman Sachs is offering a $100 bonus if you deposit $10,000+ in new funds into their online savings account within 10 days of enrollment at this special offer page. Valid for both new and existing customers. You must enroll by 2/15/2023 and maintain the new $10,000+ deposit for 90 days (after the end of the 10-day funding period). You then get the $100 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).

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.

Offer available to new and existing customers. Each customer is limited to one cash bonus under this Offer. This Offer can only be applied once to an account. If an Account has multiple owners, the Account is limited to being enrolled for this Offer under only one of the Account owners and receiving only one cash bonus. Remaining Account owners may be eligible to use another eligible Account to enroll in this Offer. This Offer may be combined with other promotional offers available to Marcus Online Savings Account customers.

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 get an extra 1.00% on all your balances for 3 months. Right now, that means 3.30% APY + 1.00% for the first 3 months. 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. This is a 1% bonus on $10,000 if you keep it there for 90 days, which makes it the equivalent of ~4% APY annualized. The bonus is on top of the standard interest rate, currently 3.30% APY as of 1/20/2023. (3.40% APY for AARP members.) Rates can change, but a total of roughly 7.30% APY over 90 days makes it a great short-term rate at that balance size when compared to my January 2023 update of best interest rates. I have gotten the bonus in the past with no issues.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned. is also a member of the Amazon Associate Program, and if you click through to Amazon and make a purchase, I may earn a small commission. Thank you for your support.

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  1. I like the bonus process at Marcus as once you enroll they will provide exact dates for every step.

  2. My Marcus referral link if anyone would like to use it:

  3. 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.

  4. 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?

  5. 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

    • Yes, I also just received the same email today. Calling them now but the hold is forever…

  6. 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.

  7. 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

  8. Jim Beam says

    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.

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