You can withdraw from Marcus through online transfer, ACH to another bank, or ATM card — each takes a different amount of time
Marcus offers three ways to move money out of your savings account: transfer it online to another bank account you own, request an ACH transfer to a linked external account, or use a debit card at an ATM. Online transfers between your own accounts are fastest — usually same-day or next business day. ACH transfers to external accounts take one to three business days. ATM withdrawals happen immediately but only if you have a Marcus debit card, which you can order through your account.
The method you choose depends on how quickly you need the money and whether you have linked external accounts. If you need cash in hand today, ATM withdrawal is your only option. If you can wait a day or two and want to move money to pay a bill or transfer to savings elsewhere, an online transfer or ACH works fine. Marcus does not charge fees for any of these withdrawal methods.
Key Takeaways
- Online transfers to your own linked bank accounts complete within one business day and cost nothing.
- ACH transfers to external accounts take one to three business days depending on the receiving bank.
- ATM withdrawals are instant if you have a Marcus debit card, but you must order one first through your online account.
- Marcus does not impose withdrawal limits or fees, but your receiving bank may charge you for incoming transfers.
- If a transfer fails, check that the account number and routing number are correct, and contact Marcus support to retry.
Online transfer to your own linked account
The fastest way to move money out of Marcus is to transfer it online to another bank account in your name. Log into your Marcus account, select the savings account, and choose "Transfer Money." Select "Send to my other bank" and pick the linked account from the list, or add a new one by entering the receiving bank's routing number and your account number at that bank.
Enter the amount and confirm. Marcus will show you the expected arrival date — usually the next business day if you transfer before 5 p.m. ET on a weekday. If you transfer after 5 p.m. or on a weekend, it will process the next business day. The receiving bank may take an additional day to post the funds to your account, so plan for one to two business days total.
You do not need to pre-link an account before transferring. Marcus lets you add a new receiving account on the spot, but you will need the routing number and account number ready. If you are not sure of either, log into your other bank's website or call their customer service line — they can provide both numbers in seconds.
ACH transfer to an external account
An ACH (Automated Clearing House) transfer is a bank-to-bank electronic payment that takes longer than an online transfer but works the same way. In your Marcus account, select "Transfer Money," then "Send to my other bank." If the account is not already linked, enter the routing number and account number of the bank you want to send money to.
ACH transfers typically take one to three business days, depending on how quickly the receiving bank processes incoming transfers. Some banks post ACH deposits the same day they receive them; others wait until the next business day. Marcus sends the transfer immediately, but you cannot control how fast the other bank moves it.
If the transfer does not arrive within three business days, log back into Marcus and check the transfer status. If it shows as completed on Marcus's end, contact the receiving bank to ask if they received it. If Marcus shows it as pending or failed, contact Marcus support and provide the transfer confirmation number — they can investigate whether the routing or account number was incorrect.
ATM withdrawal with a Marcus debit card
Marcus offers a debit card that lets you withdraw cash from ATMs instantly. If you do not have one yet, order it through your account settings. Go to "Cards" or "Debit Card" in your account menu, select "Order a Card," and provide your mailing address. The card arrives in five to seven business days.
Once you have the card, use it at any ATM that accepts Mastercard — most ATMs in the United States do. The withdrawal posts immediately to your account. If the ATM is not owned by Marcus's partner network, you may be charged a fee by the ATM operator, though Marcus itself does not charge you. The ATM will tell you the fee before you complete the withdrawal, so you can cancel if you want to avoid it.
If your debit card is lost or stolen, contact Marcus immediately through your account or by phone. They can freeze the card right away and issue a replacement. Fraudulent charges on a Marcus debit card are covered under Mastercard's zero-liability policy, so you are not responsible for unauthorized transactions if you report them promptly.
Withdrawal limits and fees
Marcus does not impose a limit on how much you can withdraw or how often you withdraw. You can move your entire balance out in a single transfer if you want, and you can do it as many times as you need. There are no fees from Marcus for any withdrawal method — online transfers, ACH, or ATM withdrawals all cost you nothing.
Your receiving bank or the ATM operator may charge you a fee. Some banks charge for incoming ACH transfers (rare, but it happens), and ATM operators often charge a fee if you use an out-of-network machine. These fees come from the other institution, not from Marcus, so check with your bank or the ATM before you complete the transaction if you want to avoid surprises.
If you are moving a large amount of money, consider doing it in stages over a few days rather than all at once. This is not a requirement — Marcus allows it — but it can help you catch any errors in account numbers before you move your entire balance.
What to do if a transfer fails or is delayed
If a transfer does not arrive within the expected timeframe, first check the status in your Marcus account. Log in, go to your transfer history, and look for the transaction. Marcus will show whether it is pending, completed, or failed. If it shows completed but the money has not arrived at the other bank, wait one more business day — the receiving bank may be processing it slowly.
If the transfer shows as failed in Marcus, the most common reason is an incorrect routing number or account number. Double-check both numbers against your other bank's website or a recent statement. If you find an error, you will need to start a new transfer with the correct information. Marcus cannot modify a failed transfer — you have to create a new one.
If the transfer shows as completed in Marcus but the receiving bank says they never got it, contact Marcus support with the transfer confirmation number. Provide the date, amount, and receiving account details. Marcus can investigate on their end and may be able to trace the transfer through the ACH network. This process can take several business days, so be patient.
If you suspect fraud — a transfer you did not authorize — report it to Marcus immediately. They can freeze your account and investigate. Under federal law, you have up to 60 days to report unauthorized transfers, but reporting sooner makes the investigation faster.
Frequently Asked Questions
Can I withdraw money the same day I request it?
Yes, if you use the ATM debit card. Online transfers and ACH transfers take at least one business day. If you need cash immediately and do not have a Marcus debit card, you will need to order one, which takes five to seven business days to arrive.
What if I do not have a linked bank account yet?
You can add a new external account during the transfer process. You will need the routing number and account number of the bank you want to send money to. If you do not have those, log into that bank's website or call them — they can provide both numbers in minutes.
Does Marcus charge a fee to withdraw money?
No. Marcus does not charge fees for online transfers, ACH transfers, or ATM withdrawals. Your receiving bank or an ATM operator may charge you, but Marcus itself does not.
How long does an ACH transfer take?
Marcus sends ACH transfers immediately, but they typically arrive at the receiving bank within one to three business days. The receiving bank controls the final posting time, so some may deposit it the same day while others wait until the next business day.
What should I do if my transfer was rejected?
Check the transfer status in your account history. If it shows failed, the routing or account number was likely incorrect. Verify both numbers against your other bank's records and start a new transfer with the correct information. If you need help, contact Marcus support with the failed transfer details.