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.1

Safe and secure

Your assets and privacy are protected by our Complete Protection Guarantee.

Explore our bank offerings

We’ve enhanced our Max-Rate Checking and Checking accounts to bring you more value. 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

  • NEW 3.00% APY7, 42X the national average8
  • NEW Unlimited fee refunds at any ATM worldwide9,10
  • 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.


Everyday banking with no monthly fees, no minimums, and no gimmicks

  • NEW 1.50% APY13, 21X the national average8
  • NEW Unlimited ATM fee refunds nationwide10,14
  • FDIC insured up to applicable limits.11
  • No transaction fees for online wire transfers, stop payments, and more. See rates and fees.

Line of Credit15

Access cash at competitive rates whenever you need it.

Borrow against eligible assets in your E*TRADE brokerage account

Avoid selling securities and disrupting your investment strategy16

Enjoy low interest rates with flexible repayment schedules

Member FDIC insurance logo 
FDIC Insured
Learn more

Experience better banking today

Integrate your banking and investing for easier money management.

Open an account