Checking from Morgan Stanley Private Bank

No monthly fees. No minimums.

Plus, your cash can now earn a competitive interest of 1.50% APY.1

Start banking today

Open an account

What you get with a Checking Account

Earn more with a competitive 1.50% APY1, 21X the national average2

ATM refunds nationwide3,4

Your money is FDIC protected, up to applicable limits.

No monthly fees. No minimums. No transaction fees for online wire transfers, stop payments, and more.
See rates and fees.

Benefits offered with every checking account


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.

Compare the Morgan Stanley Private Bank
Checking Accounts

You choose which bank account is right for you:
 
  Checking Max-Rate Checking
Earn Interest 1.50% APY1 3.00% APY5
ATM Refunds Nationwide3,4 Worldwide4,6

No Transaction Fees

for online wire transfers, stop payments, insufficient funds, and more.

See rates and fees.

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FDIC Protection

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Monthly Account Fee None

$15

Waived if you maintain $5,000 average monthly balance.7

See more ways to avoid a fee.
   

Experience Checking from Morgan Stanley Private Bank

Everyday banking with clear benefits.

Start banking today.

Open an account