Choose the method that works best for you:

1. Transfer money electronically: Use our Transfer Money service to transfer within 3 business days.
2. By check: You can easily deposit many types of checks.
3. By wire transfer: Wire transfers are fast and secure.
4. Transfer an account: Move an account from another firm.
5. Direct deposit: Automatically deposit your paycheck and other recurring income to your Morgan Stanley Private Bank checking or savings accounts or your E*TRADE brokerage account.

Go now to fund your account.

It’s easy. Simply open a new Premium Savings Account from Morgan Stanley Private Bank, National Association, Member FDIC, by the 6/9/2026 offer expiration date. Any funds you deposit up to the $10,000,000 maximum balance amount will automatically earn the boosted rate for six months from the account opening date. Afterward, you’ll continue to earn our base rate, which you can find on etrade.com/ratesheet. If your account balance exceeds $10,000,000 at any time, the entire account balance may earn the base rate.

This offer is valid only for one individual and jointly owned Max-Rate Checking or Checking account newly opened from 09/08/2025 - 05/31/2026 and funded within 90 days of account opening.

You are not eligible if you have or had owned or co-owned (joint) a Max-Rate Checking or Checking Account within the last 12 months from when you enroll in this offer. View full offer eligibility details below.

Yes, all Morgan Stanley Private Bank accounts are insured. See below for details.

*Morgan Stanley Private Bank, National Association ("MSPBNA”)’s Premium Savings Account offers an enhanced Federal Deposit Insurance Corporation ("FDIC") coverage feature (“Enhanced FDIC Coverage Feature”, or, the “Feature”) which gives MSPBNA the ability to transfer any amount held on deposit in your Premium Savings Account (“PSA Deposits”) to other depository accounts at FDIC member banks (“Program Banks”) with the purpose of providing you additional FDIC insurance coverage. The Feature is designed to offer up to $500,000 in FDIC coverage for individual accounts and up to $1,000,000 for joint accounts. Learn more.

As of , the Annual Percentage Yields (APY) and Interest Rates of the Morgan Stanley Private Bank, National Association, Member FDIC accounts are:

Premium Savings Account

Certificates of Deposit

Checking Account

Max-Rate Checking Account

Please visit etrade.com/ratesheet for more information regarding the current interest rates and corresponding APYs.