Banking
Get convenient, low-fee banking that’s fully integrated with your E*TRADE Securities account.
Why bank with Morgan Stanley Private Bank?
Integrated account view
Investing and savings accounts appear in the same view so you can do everything in one place
Low fees
Pay less for your banking, and earn competitive yields.
See bank deposit rates and fees.
Free Transfer Money service
We make it easy to move money between your accounts and outside financial institutions1
Protection, guaranteed
Protect your privacy and your assets with our Complete Protection Guarantee
Compare bank accounts
From interest-bearing savings to no-fee checking, see which Morgan Stanley Private Bank account is right for you.

Premium Savings Account
Get 4.25%2 APY From Morgan Stanley Private Bank
- Earn 4.25% APY2
- Rates 10X 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
Convenient mobile and online banking with no ATM fees.8
- 0.05% APY7
- No minimum opening deposit to get started
- FDIC insured up to $250,000. View details
- Maintain an average monthly balance of $5,000 to waive the $15 monthly fee.7 More ways to avoid fee
- Free online Bill Pay service
- Unlimited free ATM fee refunds8
- Free Max-Rate Checking debit card
- Online images of cleared and deposited checks

Checking
No monthly account fees for this non-interest-bearing account.
- 0% APY
- No minimum opening deposit to get started
- FDIC insured up to $250,000. View details
- No minimum balance and no monthly account fee
- Free online Bill Pay service
- Unlimited debit and check transactions
- Free Checking debit card
- Online images of cleared and deposited checks
Need cash? Explore Line of Credit
Unlock the power of your portfolio for cash when you need it most.9
Borrow against eligible assets in your E*TRADE brokerage account10
Avoid selling securities and disrupting your investment strategy11
Enjoy low interest rates with flexible repayment schedules12