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
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. |
✓ |
✓ |
| FDIC Protection | ✓ |
✓ |
| Monthly Account Fee | None | $15 Waived if you maintain $5,000 average monthly balance.5 |
Max-Rate Checking
Get ATM fee refunds2,3 and earn interest on your checking account.