I have been a member of Marcus for almost 3 years now and I have had as good an experience as you can have from an online bank. Transfers are smooth, the website and app are smooth, and customer service is helpful. When you use this link, you and I will both receive an additional 1.00% interest rate on top of the typical 3.30% APY interest rate for a total of 4.30% APY for the first 3 months.