Marcus by Goldman Sachs Routing Number: Online Savings Guide

What is the Marcus by Goldman Sachs routing number?

Marcus by Goldman Sachs uses routing number 124085024 for its online savings accounts and CDs. This ABA routing number is used for ACH transfers, direct deposits, and linking external bank accounts to fund your Marcus account.

Marcus is the consumer banking brand of Goldman Sachs, launched in 2016. Named after Goldman Sachs founder Marcus Goldman, the platform offers high-yield savings accounts, certificates of deposit, and personal loans — making institutional-grade financial services accessible to everyday consumers.

How to find your Marcus routing number

Log into your Marcus account at marcus.com or through the mobile app and navigate to account details. Your routing number (124085024) and account number are displayed in the account information section.

Marcus uses a single routing number for all online savings and CD accounts. This is separate from Goldman Sachs' institutional banking routing numbers, so always use 124085024 specifically for Marcus consumer accounts.

Marcus transfers and direct deposit

Fund your Marcus savings account by linking an external checking account and initiating ACH transfers. Marcus also accepts direct deposits using routing number 124085024 and your Marcus account number for payroll, tax refunds, and government benefits.

Marcus processes ACH transfers on standard Federal Reserve settlement timelines. Transfers from linked accounts typically take 1-3 business days to complete. Marcus does not charge fees for incoming or outgoing ACH transfers.

Marcus savings and CD features

Marcus offers high-yield online savings accounts with no fees, no minimum deposit, and competitive APY rates. Their CD products include no-penalty CDs that allow early withdrawal without fee, along with standard term CDs with higher rates.

All Marcus deposits are FDIC-insured up to $250,000 per depositor through Goldman Sachs Bank USA. Marcus focuses on deposit and lending products and does not offer checking accounts or debit cards.

Business banking with Slash

Marcus by Goldman Sachs is designed for personal savings and does not offer business banking services. Slash provides a complete business banking platform with up to 2% cashback on card spend, unlimited virtual cards, and full business checking functionality.

For businesses that want competitive yield and robust financial tools, Slash delivers treasury yield, real-time spend tracking, stablecoin payments, automated expense categorization, multi-entity management, and native accounting integrations — a complete business solution that a personal savings account cannot match.