Morgan Stanley Private Bank

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 to1,000,000 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

Max-Rate Checking Account

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

It’s easy. Simply open a new Premium Savings Account from Morgan Stanley Private Bank, National Association, Member FDIC, by the 11/30/2026 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.

Yes! To enroll in the cash bonus, be sure to enter promo code SAVE200 when you open your new Premium Savings Account. You'll get a $200 cash bonus based on a deposit of at least $20,000. (Note: your deposit must be received within 30 days of account opening.) In addition, you'll earn the boosted rate on your cash for six months. Please see offer details below for complete information.

Setting up direct deposit is simple. In a few easy steps you can automatically move your employer payroll or social security deposit to your Max-Rate Checking account. Our new automated deposit switching tool can make it easier to make the switch.

You can also set up direct deposit directly with your employer or payment provider. They will need your checking or savings account number and routing number, and may also ask for your account type, which is checking, and the name of the financial institution: Morgan Stanley Private Bank. If your employer accepts a direct deposit form, you can also download by clicking here.

For more information visit www.etrade.com/directdeposit or contact our customer service team at 800-387-2331.

You can quickly find your account number online by logging on. You can find your account and routing number on your Complete View page and clicking Quick Links.
If you’re on the mobile app, you can find your account number by clicking Menu > Transfer > Set Up Direct Deposit.

You can always find your account and routing numbers on the checks associated with your account. For your reference, the routing number for Morgan Stanley Private Bank checking accounts is 256072691.

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.