Convenience you
can bank on
Enjoy banking powered by Morgan Stanley Private Bank, Member FDIC that’s fully integrated with your E*TRADE accounts.
Get $300 for a limited time
Open a Checking or Max-Rate Checking Account by December 31, 2025 with qualifying deposits.* Learn how
Terms apply. Use promo code: CHECKING25
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.2,3
Explore our bank offerings
See which Morgan Stanley Private Bank solution is right for you.
Premium Savings Account
High-yield savings account with no fees
- Earn APY4, 9X the national average5
- FDIC-insured; certain conditions must be satisfied.2 View details
- No minimum deposit6
- Instantly move money to E*TRADE brokerage accounts online 1,7
Max-Rate Checking
High-yield checking with even more value
- APY8, 28X the national average9
- No transaction fees
- ATM and foreign transaction fee refunds worldwide10,11
- Maintain an average monthly account balance of $5,000 to waive the $15 monthly account fee12
Checking
Everyday banking with no monthly fees and no minimums
- APY13
- No transaction fees for online wire transfers, stop payments, and more. See rates and fees
- Access cash from ATMs nationwide14,11
- No minimum deposit6
Certificates of Deposit (CD)
Fixed CD rates for terms
from to
- Competitive rates up to APY15,16
- No monthly fees and no minimums17
- FDIC-insured up to applicable limits3
- Daily compounding of interest
Line of Credit
Unlock the power of your portfolio for cash when you need it most18
- Borrow against eligible assets in your E*TRADE from Morgan Stanley brokerage accounts19
- Potentially preserve your investment strategy by not selling securities20
Explore our bank offerings
See which Morgan Stanley Private Bank solution is right for you.
Premium Savings Account
High-yield savings account with no fees
- Earn APY4, 9X the national average5
- FDIC-insured; certain conditions must be satisfied.2 View details
- No minimum deposit6
- Instantly move money to E*TRADE brokerage accounts online1,7
Max-Rate Checking
High-yield checking with even more value
- APY8, 28X the national average9
- No transaction fees
- ATM and foreign transaction fee refunds worldwide10,11
- Maintain an average monthly account balance of $5,000 to waive the $15 monthly account fee12
Checking
Everyday banking with no monthly fees and no minimums
- APY13
- No transaction fees for online wire transfers, stop payments, and more. See rates and fees
- Access cash from ATMs nationwide14,11
- No minimum deposit6
Certificates of Deposit (CD)
Fixed rate for terms
from to
- Competitive rates up to APY15,16
- No monthly fees and no minimums17
- FDIC-insured up to applicable limits3
- 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.18
- Borrow against eligible assets in your E*TRADE from Morgan Stanley brokerage accounts19
- Potentially preserve your investment strategy by not selling your securities20
Award winning products built to help you earn more
Rated Best Checking Account of 2025
For a second year in a row, our Max-Rate Checking Account from Morgan Stanley Private Bank is rated “Best Checking Account” by U.S. News and World Report.21
Rated Best Savings Account for Investors 2025
Recognized in Best Online Banks 2025
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.
Helping a loved one buy a home
Record-high prices, rising mortgage rates and high inflation are all obstacles for potential new homeowners.
What is compounding interest?
When it comes to saving, compound interest is one of the most powerful tools available to grow your money over time.
Get $300 for a limited time
Open a Checking or Max-Rate Checking Account by December 31, 2025 with qualifying deposits.* Learn how
Terms apply. Use promo code: CHECKING25
Experience better banking today
Integrate your banking and investing for easier money management.