Max-Rate Checking and Checking with Morgan Stanley Private Bank
Upgrade your checking with up to APY.1,2
Enjoy no transaction fees, ATM fee refunds3,4,5 and more.
Explore our checking offerings
See which checking account is right for you
Max-Rate Checking
High-yield checking with even more value
- APY2, 37X the national average6
- No transaction fees.
- ATM and foreign transaction fee refunds worldwide4,5
- FDIC-insured up to applicable limits7
- Maintain an average monthly account balance of $5,000 to waive the $15 monthly account fee.8
Checking
Everyday banking with no monthly fees and no minimums
- ATM fee refunds nationwide3,4
- FDIC-insured up to applicable limits7
- No transaction fees for online wire transfers, stop payments, and more. See rates and fees
- No minimum deposit
Benefits offered with every checking account
Safe and secure
Your money is FDIC-insured, up to applicable limits.
Worry-free banking with Coverdraft Protection
Enjoy peace of mind when enrolled in free Coverdraft Protection.
Easy Money Movement
Enjoy unlimited online wires, money transfers and mobile check deposits.
Integrated Account View
View your checking, savings and investing in one place.
24/7 Banking
Manage your money, pay bills and more with our best-in-class mobile app or online.9