Marcus by Goldman Sachs offers FDIC-insured CDs that can serve business cash management needs. RMO Business CDs offer dedicated business CDs at member rates with full business-bank ecosystem. Here’s how they compare.
Both can hold business cash in CDs. Marcus is primarily consumer-focused; RMO offers dedicated business banking.
Marcus by Goldman Sachs is primarily a consumer-banking brand; business cash management via Marcus is feasible but secondary to consumer focus.
RMO Business CDs vs. Marcus on business focus, ecosystem, and pricing.
| Feature | RMO Bank Business Certificates of Deposit | Marcus by Goldman Sachs Business CDs |
|---|---|---|
| Business-account focus | Yes — dedicated business CDs | Primarily consumer; some business products via Goldman |
| FDIC insurance | Yes | Yes |
| Term range | 3-60 months typical | 6-72 months |
| Member-rate pricing | Yes | Public APY |
| Bundle with business checking | Yes — RMO Business Checking | Limited |
| Treasury sweep integration | Yes — RMO Treasury | Limited |
| CD ladder tools | Yes — MyRMO builder | Manual |
| Business-banker relationship | Yes — dedicated banker | Limited |
| Retail center access | Yes | No |
| Best for | Businesses wanting dedicated business bank | Consumer users adding business CDs separately |
If you need a full business-banking relationship, dedicated business banks fit better than primarily-consumer brands holding business cash.
Marcus offers great consumer CDs that can hold business cash. RMO Business CDs are purpose-built for business cash management with full business-bank ecosystem.
3-72 month terms posted at member rates.
Open online and fund from RMO Business Checking or external ACH.
Stagger maturity across multiple terms for treasury yield + liquidity balance.
Marcus primarily offers consumer products. Business cash placement may be feasible in certain structures — verify directly with Marcus / Goldman business banking.
Member-rate pricing is typically competitive with leading online banks for active RMO members.
RMO Treasury sweeps eligible business balances into money market funds for additional yield, complementing CD positioning.
RMO Business CDs export to QuickBooks, Xero, and major accounting platforms with maturity tracking.
Each CD is held in a single account name. For multi-entity treasury structures, talk to an RMO Business banker about appropriate account configurations for FDIC coverage planning.
Guides, plans, and more RMO comparisons to help you decide with confidence.
FDIC-insured business certificates of deposit at member rates with a CD ladder builder in MyRMO.
