Convenience you can bank on
Enjoy banking powered by Morgan Stanley Private Bank, Member FDIC 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-insured, 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
- Earn APY2, 9X the national average3
- FDIC-insured; certain conditions must be satisfied.4 View details
- No minimum deposit5
- Instantly move money to E*TRADE brokerage accounts online 1, 6
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
Certificates of Deposit (CD)
Fixed rate for terms from to
- Competitive rates. APY up to .18,20
- No monthly fees and no minimums19
- FDIC insured up to applicable limits.11
- Daily compounding of interest
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 securities16
Not FDIC Insured • No Bank Guarantee • May Lose Value
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
- Earn APY2, 9X the national average3
- FDIC insured; certain conditions must be satisfied.4 View details
- No minimum deposit5
- Instantly move money to E*TRADE brokerage accounts online 1, 6
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
Certificates of Deposit (CD)
Fixed rate for terms from to
- Competitive rates. APY up to .18,20
- No monthly fees and no minimums19
- FDIC insured up to applicable limits.11
- Daily compounding of interest
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
Not FDIC Insured • No Bank Guarantee • May Lose Value
Award winning products built to help you earn more
Rated Best Checking Account 2024
Rated Best Savings Account for Investors
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?
Three ways to manage your cash more strategically
Discover the different types of cash accounts and how they serve different purposes. Learn how to use them to help meet your 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.