Marcus by Goldman Sachs High Yield Savings Account wins — Marcus by Goldman Sachs leads with a higher 4
Scores: Marcus By Goldman Sachs High Yield Savings Account 8.2/10 · Fidelity Cash Management Account 7.8/10
Marcus by Goldman Sachs leads with a higher 4.10% APY and zero-friction setup according to Bankrate and NerdWallet comparisons. Fidelity Cash Management wins on usability with its debit card and bill pay features as noted in Fidelity documentation and Consumer Reports. This is a close call for savers prioritizing yield versus those needing transactional access.
| Marcus By Goldman Sachs High Yield Savings Account | Fidelity Cash Management Account | |
|---|---|---|
| APY | 4.10% | 3.95% |
| Minimum to Open | $0 | $0 |
| Monthly Fees | $0 | $0 |
| FDIC Insurance | Up to $250,000 | Up to $250,000 via sweep |
Our pick: Marcus By Goldman Sachs High Yield Savings Account. It edges out the alternative on no minimum balance or fees. That said, Fidelity Cash Management Account still wins on debit card with atm fee reimbursement — consider it if that single trade matters most for your use.