An interest rate of 0.05% APY.1
Fewer fees. Unlimited ATM refunds.2
What you get with a Max-Rate Checking Account
Ways to fund
No minimum opening deposit to get started. There are four easy ways to fund your account.
Up to three business days5
Transfer Money is a free service that allows you to move money between your accounts and from outside financial institutions.
Same business day
A wire transfer is an electronic transfer of money between accounts, including accounts at different financial institutions.
Transfer an account
10+ business days
Transferring an account simply means moving all of your assets (cash and securities) from an outside financial institution to E*TRADE or Morgan Stanley Private Bank.
Deposit a check
Up to five business days
Choose from two convenient ways to deposit checks into your account: by mobile check deposit6 using our E*TRADE Mobile app or by mail.
Find the account for you
E*TRADE and Morgan Stanley Private Bank offer a wide range of bank and brokerage accounts.
We fight fraud
We have a lot invested in your security. Check out all the lengths we go through to secure and protect your assets.
Help from actual people
Robots are cool, but not fun to talk to. When you need help, our support team is ready to lend a hand.
Checking, the way it should be
Earn an interest rate of 0.05% APY1 on your checking account and get free, unlimited ATM fee refunds2
Opening a Max-Rate Checking Account is quick and easy.