The fastest way to fund your Marcus account is a direct transfer from your linked bank account
You can move money into Marcus through an ACH transfer from any U.S. bank account you own. The process takes one to three business days, and Marcus does not charge a fee. You start by logging into your Marcus account online or through the mobile app, finding the transfer section, and entering your external bank's routing and account numbers. Marcus will then initiate the pull from your bank.
If you want the money to arrive faster, you can use a wire transfer, which typically lands the same business day or within 24 hours. Wire transfers do cost money — Marcus charges a fee for incoming wires, which varies but is usually between $0 and $15 depending on the wire type. You will need to contact Marcus directly by phone or through the app to set up a wire, since you cannot initiate one yourself online.
A third option is to deposit a check through the mobile app using mobile check deposit. You photograph the front and back of the check, and Marcus deposits it into your account. This method typically takes three to five business days and is free.
Key Takeaways
- ACH transfers from your linked bank account are free and take one to three business days.
- Wire transfers arrive the same day or next business day but carry a fee that Marcus charges on the receiving end.
- Mobile check deposit through the app is free and takes three to five business days.
- You must own the external bank account you are transferring from — Marcus does not accept transfers from accounts in other people's names.
- The first time you link a bank account, Marcus may hold the transfer for verification, which can add one to two business days.
Setting up an ACH transfer from your bank
Log into your Marcus account on the website or app and look for "Transfer Money" or "Add Funds." Select the option to transfer from an external bank. Marcus will ask for your bank's routing number and your account number. You can find both on a check, or by logging into your bank's website and looking at account details.
Enter the amount you want to transfer and confirm. Marcus will initiate an ACH pull from your bank, which means Marcus requests the money from your bank rather than your bank sending it. This is the standard method and is safer than giving your account details to a third party. The transfer will appear in your Marcus account within one to three business days.
On your first transfer, your bank may require you to verify the deposit. Some banks send a small test deposit to your Marcus account, and you then confirm the amount in your bank's app or website. This verification step can add one to two business days but only happens once per linked account.
Using wire transfer for same-day funding
If you need the money in your Marcus account the same day, call Marcus customer service or use the app to request a wire transfer. You will need to provide your bank account information and the amount. Marcus will give you wire instructions, including the wire routing number, account number, and any reference information you should include.
Take those instructions to your bank and initiate an outgoing wire. Your bank will charge you a wire fee (typically $15 to $30 on the sending end), and Marcus will charge a receiving fee as well. The total cost is usually $15 to $50 depending on your bank and the wire type. The money should arrive in your Marcus account within hours or by the next business day.
Wire transfers are irreversible once sent, so double-check the account number and routing number before you authorize the wire at your bank. If you make a mistake, the money may go to the wrong account and cannot be recovered by Marcus or your bank.
Mobile check deposit through the app
Open the Marcus mobile app and look for "Deposit a Check" or "Mobile Deposit." Take a photo of the front of the check and then the back, making sure all four corners are visible and the text is clear. The app will show you a preview of both images before you submit.
Enter the check amount and confirm the deposit. The check will be held for verification, and the funds will appear in your account within three to five business days. You should destroy the physical check after the deposit clears to prevent it from being deposited twice.
Mobile check deposit works only for checks made out to you and only if you are the account holder. You cannot deposit checks made out to someone else, even if they sign the back.
What to do if your transfer is delayed or fails
If an ACH transfer does not arrive within three business days, log into your Marcus account and check the transfer status. The app or website will show whether the transfer is pending, completed, or failed. If it failed, the reason will usually be listed — common reasons include an incorrect routing number, insufficient funds at your bank, or a mismatch between the account number and the account holder's name.
Contact your bank first to confirm the account number and routing number are correct. Then contact Marcus customer service with the transfer details. Marcus can sometimes resubmit a failed transfer, but you may need to correct the information first.
If a wire transfer fails, Marcus will contact you immediately. Wire failures are rare but can happen if the receiving bank rejects the wire for security reasons. Marcus will work with you to resubmit or refund the wire fee if the failure was on Marcus's end.
Linking multiple bank accounts to Marcus
You can link more than one external bank account to your Marcus account. Each account must be in your name and at a U.S. bank. To add another account, go to the transfer section and select "Add a New Bank Account." Enter the routing and account numbers, and Marcus will verify the account the same way it did for your first one.
Once verified, you can transfer from any of your linked accounts. This is useful if you have checking at one bank and want to move money from a different account, or if you want to spread transfers across multiple banks to stay within any internal limits your banks may have.
You can remove a linked account at any time through the settings menu. Removing an account does not affect any transfers already in progress.
Frequently Asked Questions
Can I transfer money from someone else's bank account to my Marcus account?
No. Marcus only accepts transfers from bank accounts in your name. If someone else wants to send you money, they must transfer it to your personal bank account first, and then you can transfer it to Marcus from there.
What is the maximum amount I can transfer to Marcus at one time?
Marcus does not publish a single-transfer limit, but your own bank may have daily or monthly transfer limits. Check your bank's settings or contact them to see what they allow for outgoing ACH transfers. Wire transfers may have different limits.
Do I need to verify my identity before I can transfer money in?
Marcus verifies your identity when you open the account, not when you transfer money in. If you have already opened your Marcus account, you can transfer immediately. Your bank may require additional verification the first time you link it, which can add one to two business days.
What happens if I send a wire to Marcus with the wrong account number?
The wire will likely be rejected by Marcus's bank and returned to your bank. You will then need to resubmit the wire with the correct information. Your bank will charge you a fee for the failed wire, and Marcus may charge a fee as well. Always confirm the account number and routing number before authorizing a wire.
Can I set up automatic transfers to Marcus?
Marcus does not offer automatic recurring transfers. You must initiate each transfer manually through the app or website. However, you can set a reminder on your phone or calendar to transfer money on a regular schedule.