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Current vs. Marcus Comparison

Compare providers side-by-side, allowing for easy comparison of features, rates, and terms. The comparison tool encourages individuals to thoroughly review all aspects of each service before making a smart financial decision.

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Online Banking

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Personal Loans

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Online Banking

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Good For
Banking and Credit Building Simplified
Good For
By Goldman Sachs Bank USA
Account types
  • Checking
  • Savings
Account types
  • Savings
Pros
  • The 4% APY available on Savings Pods is very good
  • Does not require any credit check for a checking account
  • Charges minimal fees across the various account types
  • The Current mobile app offers money management tools
Pros
  • No fees, no minimum opening deposit or balance requirements
  • 24/7 account access
  • Live customer care is available 24/7
  • Financial security of a Goldman Sachs company
Cons
  • cons Only offers a mobile app and no desktop platform
  • cons Current caps the 4% APY to $6,000 in savings
Cons
  • cons No ATM card or debit card is issued
  • cons No physical banking locations
Min Deposit
No minimum
Min Deposit
No minimum
Min APY Savings
0
Min APY Savings
3.30
ATM Network
40,000+
ATM Network
Personal Loans drop-down-btn
Good For
No Fees, Simple Process
Min Credit Score
740
APR

6.99-24.99%

Loan Amount

$4K-$40K

Lender Type
  • Direct
Loan Type
  • Unsecured Personal Loans
Loan Purpose
  • Credit Card Refinance
  • Debt Consolidation
  • Medical Expenses
  • Vacation
  • Other
Repayment terms
36-72 Months
Soft Credit Pull
Yes
Pros
  • No origination fees
  • On-time payment reward system
  • Good customer support
Cons
  • cons Borrowers need good credit
  • cons No option to add a cosigner
  • cons No next day funding
Not provided

Service isn't provided

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