Verdict: Fidelity Cash Management Account wins for users who value banking features alongside yield, beating Marcus on APY by 0.58% and adding unlimited ATM access per Fidelity disclosures. Marcus trails in versatility but matches on zero fees and FDIC protection. CNET and Bankrate rate Fidelity higher for hybrid cash needs.
Winner: Fidelity Cash Management Account
Fidelity Cash Management Account: 8.5/10
Marcus By Goldman Sachs High Yield Savings Account: 7.5/10
| Fidelity Cash Management Account | Marcus By Goldman Sachs High Yield Savings Account | |
|---|---|---|
| Current APY | 4.98% | 4.40% |
| FDIC Coverage | Up to $5M via program banks | Up to $250K per depositor |
| ATM Reimbursement | Unlimited domestic | None |
| Minimum to Open | $0 | $0 |
Our pick: Fidelity Cash Management Account.
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