Max-Rate Checking
from Morgan Stanley Private Bank
Banking just got better with APY1 for your money.
Plus, ATM and foreign transaction refunds worldwide2,3
Start banking today
What you get with a Max-Rate Checking Account
Earn even more with a competitive rate of APY1, 37X the national average4
Any ATM is your ATM with ATM and foreign transaction fee refunds worldwide2,3
Exceptional value with no transaction fees
Waive the $15 monthly account fee when you maintain an average monthly balance of $5,000.5
Rated Best Checking Account 2024
Max-Rate Checking Account from Morgan Stanley Private Bank rated "Best Checking Account 2024" by U.S. News and World Report
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.6
Compare the Morgan Stanley Private Bank
Checking Accounts
You choose which bank account is right for you:
| Checking | Max-Rate Checking | |
|---|---|---|
| Earn Interest | APY7 | APY1 |
| ATM Refunds | Nationwide8 | Worldwide2 |
| Foreign Transaction Fee Refunds3 | ✗ |
✓ |
No Transaction Fees for online wire transfers, stop payments, insufficient funds, and more. |
✓ |
✓ |
| FDIC Protection | ✓ |
✓ |
| Monthly Account Fee | None | $15 Waived if you maintain $5,000 average monthly balance.5 |
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Max-Rate Checking
Get ATM and foreign transaction fee refunds2,3, while earning interest on your checking account.