Max-Rate Checking from Morgan Stanley Private Bank

Banking just got better with APY1 for your money.

Plus, ATM refunds worldwide2,3

Start banking today

Max-Rate Checking Account from Morgan Stanley Private Bank Rated Best Checking Account by U.S. News and World Report 

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 refunds worldwide2,3

Exceptional value with no transaction fees for online wire transfers, stop payments, and more. See rates and fees.

Your money is FDIC protected, up to applicable limits.

Waive the $15 monthly account fee when you maintain an average monthly balance of $5,000.5

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.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 Nationwide3,8 Worldwide2,3

No Transaction Fees

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

See rates and fees.

FDIC Protection

Monthly Account Fee None


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

See more ways to avoid a fee


Max-Rate Checking

Get ATM fee refunds2,3 and earn interest on your checking account.

Open an account