Convenience you can bank on
Enjoy banking powered by Morgan Stanley Private Bank that’s fully integrated with your E*TRADE accounts.
Modern banking that checks all the boxes
24/7 banking
Manage your money online or with our mobile app.
Exceptional value
Enjoy competitive yields and low fees for deposits.
See bank deposit rates and fees.
Easy money movement
Move money where you need it most with just a few clicks—both inside and outside E*TRADE from Morgan Stanley.1
Safe and secure
Your money is FDIC protected, up to applicable limits.4,11
Explore our bank offerings
See which Morgan Stanley Private Bank solution is right for you.
Premium Savings Account
Earn a competitive rate from Morgan Stanley Private Bank
- NEW: Earn APY2, 10X the national average3
- FDIC insured up to $500,000.4 View details
- No minimum deposit5
- Instantly move money to E*TRADE brokerage accounts online 1, 6
Max-Rate Checking
High-yield checking with even more value
- APY7, 37X the national average8
- ATM fee refunds worldwide.9,10
- FDIC insured up to applicable limits11
- No transaction fees for online wire transfers, stop payments, and more. See rates and fees
- Maintain an average monthly account balance of $5,000 to waive the $15 monthly account fee.12 See more ways to avoid a fee
Checking
Everyday banking with no monthly fees and no minimums
- ATM refunds nationwide10,13
- FDIC insured up to applicable limits11
- No transaction fees for online wire transfers, stop payments, and more. See rates and fees
- No minimum deposit
Line of Credit14
Unlock the power of your portfolio for cash when you need it most
- Borrow against eligible assets in your E*TRADE from Morgan Stanley brokerage accounts15
- Potentially preserve your investment strategy by not selling your securities16
- Enjoy low interest rates to make borrowing more affordable17
- Flexible repayment schedules makes repaying easier
- Easy application process lets you apply online in minutes
- Typically no fees for set-up costs or late payments
Explore lending solutions
Take advantage of competitive rates and simple, online applications with a line of credit or home loan
Line of Credit
Unlock the power of your portfolio for cash when you need it most.14
- Borrow against eligible assets in your E*TRADE from Morgan Stanley brokerage accounts15
- Potentially preserve your investment strategy by not selling your securities16
- Enjoy low interest rates to make borrowing more affordable17
- Flexible repayment schedules makes repaying easier
- Easy application process lets you apply online in minutes
- Typically no fees for set-up costs or late payments
Tips to help you reach your financial goals
What's the difference between saving and investing?
The terms “saving” and “investing” both refer to money being used for a goal or purchase down the road. So, what is the difference?
How do you prioritize your savings and financial goals?
Learn about four key guidelines to help you prioritize your saving and balance your long- and short-term financial goals.
Helping a loved one buy a home
Record-high prices, rising mortgage rates and high inflation are all obstacles for potential new homeowners. Learn how you can help a loved one break into a tough market.
Experience better banking today
Integrate your banking and investing for easier money management.