Max-Rate Checking

A higher interest rate of 0.05% APY.1 Unlimited ATM refunds.2

This is how checking should work. You’ll never look at your checking account the same way again.

Start banking today

What you get with a Max-Rate Checking Account

Enjoy unlimited fee refunds at any ATM machine nationwide2,3

Access your cash every-where with 2 million+ ATM locations around the world

Pay bills free. And your first checkbook order is on the house.4

Rated #1 by Kiplinger, our mobile app5 makes managing your money a whole lot easier.

Waive the $15 monthly account fee when you maintain an average monthly balance of $5,000, set up a direct deposit of $200 or more per month, or place at least 30 stock or options trades per quarter.2

Ways to fund

No minimum opening deposit to get started. There are four easy ways to fund your account.

Transfer money

Up to three business days6

Transfer Money is a free service that allows you to move money between your accounts and from outside financial institutions.

Wire transfer

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 deposit7 using our E*TRADE Mobile app or by mail.

Find the account for you

E*TRADE offers a wide range of bank and brokerage accounts.

a desk with a computer, keyboard, and plant with a calendar on the wall

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 a higher 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.

Open an account

FDIC Insured
Bank deposits insured to at least $250,000 Learn more