Fidelity and Marcus don't have a direct connection in Fidelity's system, so you can't link them the way you would link two traditional banks
Fidelity and Marcus by Goldman Sachs are separate financial institutions that don't share the same backend systems. When you try to link a Marcus savings account to Fidelity through Fidelity's transfer or funding tools, the connection often won't go through because Marcus doesn't appear in Fidelity's list of supported banks. This isn't a technical error on your end — it's a limitation of how Fidelity's platform is built.
The good news is that you can still move money between the two accounts. It just requires a different method than the standard linking process. Instead of searching for Marcus in Fidelity's dropdown list, you'll add Marcus as an external account by entering its routing and account numbers manually. Both directions work — from Marcus to Fidelity and from Fidelity to Marcus — and both use the same verification method.
Key Takeaways
- Marcus doesn't appear in Fidelity's supported bank list, so you cannot link the accounts through Fidelity's standard search and link process.
- You can transfer money from Marcus to Fidelity by logging into Marcus, selecting transfer, and entering your Fidelity routing number (021000021) and account number.
- To transfer from Fidelity to Marcus, add Marcus as an external account in Fidelity using Marcus's routing number (121000248) and your Marcus account number.
- Both directions require verification through test deposits, which typically takes one to two business days, followed by one to three business days for the actual transfer.
- Fidelity may charge a fee for outgoing transfers to external accounts depending on your account type, while Marcus does not charge for outgoing transfers.
How to transfer money from Marcus to Fidelity
The easiest direction is moving money out of Marcus into Fidelity. Log into your Marcus account on their website or mobile app. Look for a "Transfer" or "Send Money" option — the exact wording varies, but it's usually in the main menu or under account settings. Select the option to transfer funds out of Marcus.
You'll be asked to add a destination account. Enter your Fidelity account information: your Fidelity routing number (021000021 for most Fidelity accounts, though some brokerage accounts use different routing numbers), your Fidelity account number, and your account type (checking or savings). Marcus will verify the account by sending two small test deposits — usually amounts under a dollar — to your Fidelity account. Once you confirm those amounts in your Fidelity account, the link is verified and you can transfer larger amounts.
The verification process takes one to two business days. After that, transfers from Marcus to Fidelity typically complete within one to three business days. You can check the status of any transfer by logging back into Marcus and viewing your transaction history.
How to transfer money from Fidelity to Marcus
Moving money from Fidelity to Marcus requires you to add Marcus as an external account within Fidelity's system. Log into Fidelity and find the "Transfer & Pay" or "Transfers" section — this is usually in the main navigation or under account management. Select "Add External Account" or "Link Bank Account."
You'll enter Marcus's routing number (121000248 for Marcus savings accounts) and your Marcus account number. Fidelity will send two small test deposits to your Marcus account, just like Marcus does when you link from their side. Log into Marcus, find the deposit verification section, and confirm the amounts. This typically takes one to two business days.
Once verified, you can initiate transfers from Fidelity to Marcus. These transfers also take one to three business days. Note that Fidelity may charge a fee for outgoing transfers to external accounts, depending on your account type — check your account terms or contact Fidelity to confirm whether your account includes this fee.
Why the direct link doesn't work in Fidelity
When you search for Marcus in Fidelity's list of supported banks, it won't appear. This happens because Fidelity maintains a curated list of financial institutions it has direct connections with through the ACH (Automated Clearing House) network. While both Fidelity and Marcus can send and receive ACH transfers, Fidelity's interface doesn't include Marcus as a pre-populated option in its dropdown menu.
This is a design choice, not a technical barrier. Fidelity prioritizes the largest and most commonly used banks in its dropdown list to keep the interface straightforward and fast. For less common banks or financial institutions like Marcus, you have to add them manually as external accounts by entering their routing and account numbers. The transfer still goes through the same ACH network — you're just bypassing the search step.
What to do if the verification deposits don't arrive
Occasionally the test deposits from Marcus or Fidelity don't show up within two business days. First, check that you entered the routing and account numbers correctly — a single digit wrong will cause the transfer to fail or go to the wrong account. Log back into the account where you initiated the link and double-check the information you entered against your account statements or the official routing numbers.
If the numbers are correct, contact the institution that sent the deposits. If you're linking from Marcus's side, call Marcus customer service. If you're linking from Fidelity's side, contact Fidelity. They can resend the test deposits or manually verify the account for you, which usually takes an additional one to two business days. Keep your confirmation number from the linking attempt so you can reference it when you call.
Timing and what to expect during a transfer
Once your accounts are linked and verified, transfers between Marcus and Fidelity follow standard ACH timing. Most transfers complete within one to three business days. Weekends and federal holidays don't count as business days, so a transfer initiated on Friday afternoon might not arrive until Wednesday or Thursday.
You can check the status of a transfer by logging into the account where you initiated it. Both Marcus and Fidelity show pending transfers in your transaction history with an expected delivery date. If a transfer doesn't arrive by the expected date, contact the sending institution — they can trace the transfer and determine where it's stuck. Delays are rare once the link is verified, but they do happen occasionally during high-volume periods.
Alternative: Using a third-party money transfer service
If you need to move money faster than the standard one- to three-day window, some third-party services like PayPal, Wise, or Square Cash can move money between accounts more quickly. However, these services typically charge a fee and may have daily or monthly limits on how much you can transfer.
For routine transfers between Marcus and Fidelity, the direct ACH method is free and reliable, even if it takes a few days. Reserve third-party services for situations where you genuinely need the money to arrive the same day or next day, and factor in the fee when deciding whether it's worth it.
Frequently Asked Questions
Why does Fidelity show "bank not found" when I search for Marcus?
Marcus isn't in Fidelity's pre-populated list of banks. Instead of searching, add Marcus as an external account manually by entering its routing number (121000248) and your account number. Fidelity will verify it through test deposits.
Can I link my Marcus account directly through Fidelity's mobile app?
Yes, the process is the same on mobile as on the website. Open the Fidelity app, go to Transfers, select "Add External Account," and enter Marcus's routing and account numbers. You'll still need to verify through test deposits.
What if I entered the wrong account number when linking?
Stop the transfer when ready if it's still pending. Log into the account where you initiated the link and cancel it. Then start over with the correct information. If the transfer has already completed, contact the receiving institution to see if they can reverse it.
Do I get charged a fee to transfer between Marcus and Fidelity?
Marcus doesn't charge for outgoing transfers. Fidelity's fees depend on your account type — some accounts charge for external transfers, others don't. Check your account agreement or contact Fidelity to confirm what applies to you.
How long does it take to verify the link between accounts?
Verification usually takes one to two business days after you confirm the test deposit amounts. Once verified, you can transfer larger amounts, which then take an additional one to three business days to complete.