Marcus by Goldman Sachs is a free Android application that provides personal finance tools to help users save, borrow, and invest. The app features a high-yield Online Savings Account, high-yield CDs, and No-Penalty CDs that let you grow your money on the go. The app also offers a managed portfolio of ETFs with low costs and balanced risk and returns for automated investing. Furthermore, the app provides free tools and trackers called Marcus Insights that help users organize and optimize their finances. These tools allow users to link external accounts to track their finances in one place, explore their spending breakdown by category, and visualize their cash flow. The app is FDIC-insured and offered by Goldman Sachs Bank USA and Goldman Sachs & Co. LLC subsidiaries of The Goldman Sachs Group, Inc.