Convenience you can bank on

Enjoy banking powered by Morgan Stanley Private Bank that’s fully integrated with your E*TRADE accounts.

Modern banking that checks all the boxes

24/7 banking

Manage your money online or with our mobile app.

Exceptional value

Enjoy competitive yields and low fees for deposits.
See bank deposit rates and fees.

Easy money movement

Move money where you need it most with just a few clicks—both inside and outside E*TRADE from Morgan Stanley.1

Safe and secure

Your money is FDIC protected, up to applicable limits.4,11

Explore our bank offerings

See which Morgan Stanley Private Bank solution is right for you.

Premium Savings Account

Premium Savings Account

Earn a competitive rate from Morgan Stanley Private Bank

  • Earn 4.25% APY2, 9X the national average3
  • FDIC insured up to $500,000.4 View details.
  • No minimum deposit5
  • Instantly move money to E*TRADE brokerage accounts online 1, 6
Max-Rate Checking

Max-Rate Checking

High-yield checking with even more value

  • 3.00% APY7, 42X the national average8
  • ATM fee refunds worldwide.9,10
  • FDIC insured up to applicable limits.11
  • No transaction fees for online wire transfers, stop payments, and more. See rates and fees.
  • Maintain an average monthly account balance of $5,000 to waive the $15 monthly account fee.12 See more ways to avoid a fee.
Checking

Checking

Everyday banking with no monthly fees and no minimums

  • ATM refunds nationwide10,13
  • No monthly fees. No transaction fees for online wire transfers, stop payments, and more. See rates and fees.
  • No minimum deposit
  • Your money is FDIC protected, up to applicable limits11
Man at his desk looking at a laptop

Line of Credit14

Unlock the power of your portfolio for cash when you need it most

  • Borrow against eligible assets in your E*TRADE from Morgan Stanley brokerage accounts15
  • Potentially preserve your investment strategy by not selling your securities16
  • Enjoy low interest rates to make borrowing more affordable17
  • Flexible repayment schedules makes repaying easier
  • Easy application process lets you apply online in minutes
  • Typically no fees for set-up costs or late payments

Explore lending solutions

Take advantage of competitive rates and simple, online applications with a line of credit or home loan

man at his desk looking at his laptop

Line of Credit

Unlock the power of your portfolio for cash when you need it most.14

  • Borrow against eligible assets in your E*TRADE from Morgan Stanley brokerage accounts15
  • Potentially preserve your investment strategy by not selling your securities16
  • Enjoy low interest rates to make borrowing more affordable17
  • Flexible repayment schedules makes repaying easier
  • Easy application process lets you apply online in minutes
  • Typically no fees for set-up costs or late payments
a row of homes

Home Loans

Explore options for making a home purchase or refinancing your existing mortgage.

  • Competitive rates with potential discounts
  • Professional guidance at every step of the process
  • Prequalify and apply online with our digital tools
  • Securely upload documents for a more seamless application
  • Track loan status in real time
Member FDIC insurance logo 
FDIC Insured
Learn more


Experience better banking today

Integrate your banking and investing for easier money management.

Open an account