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

Premium Savings Account

Get 2.75%2 APY From Morgan Stanley Private Bank

  • Earn 2.75% APY2
  • Rates 16X the national average3
  • FDIC insured up to $500,000. View details
  • No minimum monthly account fee
  • Instantly move money to E*TRADE brokerage accounts online 1, 4
Max-Rate Checking

Max-Rate Checking

Convenient mobile and online banking with no ATM fees.6

  • 0.05% APY5
  • 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.5 More ways to avoid fee
  • Free online Bill Pay service
  • Unlimited free ATM fee refunds6
  • Free Max-Rate Checking debit card
  • Online images of cleared and deposited checks
Checking

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.7

Borrow against eligible assets in your E*TRADE brokerage account8

Avoid selling securities and disrupting your investment strategy9

Enjoy low interest rates with flexible repayment schedules10

Member FDIC insurance logo 
FDIC Insured
Learn more


Start banking today

Ready to integrate your banking and investing experience?

Open an account