Convenience you can bank on

Enjoy banking powered by Morgan Stanley Private Bank that’s fully integrated with your E*TRADE accounts.
Premium Savings Account from Morgan Stanley Private Bank Rated Best Savings Account for Investors by Buy Side from WSJ and Max-Rate Checking Account from Morgan Stanley Private Bank Rated Best Checking Account by U.S. News and World Report 

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.
Certificates of 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
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Checking

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
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Max-Rate Checking

Max-Rate Checking

High-yield checking with even more value

  • APY7, 37X the national average8
  • No transaction fees.
  • ATM fee and foreign transaction refunds worldwide.9,10
  • FDIC insured up to applicable limits11
  • Maintain an average monthly account balance of $5,000 to waive the $15 monthly account fee.12
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Premium Savings Account

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
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Man at his desk looking at a laptop

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
man at his desk looking at his laptop

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
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a row of homes

Home Loans

Explore options for making a home purchase or refinancing your existing mortgage.

  • Competitive rates with potential discounts
  • Professional guidance at every step of the process
  • Prequalify and apply online with our digital tools
  • Securely upload documents for a more seamless application
  • Track loan status in real time
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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?

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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.

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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.

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Experience better banking today

Integrate your banking and investing for easier money management.

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