Refresh March 31, 2025 2:23 AM ET
 Refresh March 31, 2025 2:23 AM ET

Deposit money & assets

At E*TRADE and Morgan Stanley Private Bank, we offer a number of convenient ways to deposit money and assets into your bank and brokerage accounts.

Note:
For questions about transferring full or partial accounts to E*TRADE, please see Transfer assets.
Get general deposit information Find out the status of deposits Deposit money with Transfer Money Send checks, deposit checks via mobile app, wire money, or use direct deposit Deposit stock certificates
Know all the ways I can deposit money
Your deposit options depend on the type of account where you'll be depositing money. Find your account type below for a full list of options.

For your Morgan Stanley Private Bank or E*TRADE account: If you're opening an account and making your first deposit, see Know all the ways I can make my first deposit.

For your IRA account:
  • Request an online transfer of funds using Transfer Money.
  • Deposit a check through our Mobile App.
  • Send us a personal check, cashier's check, or bank check.
  • Send a letter authorizing a cash transfer from an Morgan Stanley Private Bank or E*TRADE account.
For more specific details on making a deposit into your IRA, see Contribute to my IRA account.

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Know all the ways I can make my initial deposit
There are a number of ways you can make your initial deposit, including check, wire, and online transfer. We cannot accept cash deposits. Your options for making your first deposit vary based on whether you're opening a bank or brokerage account.

For a new Morgan Stanley Private Bank account:

Here are the main ways to fund a new Morgan Stanley Private Bank account:
  • Transfer money from an existing Morgan Stanley Private Bank or E*TRADE account. Through the online application process or via TransferMoney, you can move money quickly from another Morgan Stanley Private Bank or E*TRADE account to fund your new Morgan Stanley Private Bank account.

  • Transfer money electronically from another institution.
    The online application process enables the transfer of funds from other financial institutions. You'll just need the account number and ABA transit routing number for your other account (you can find both of these numbers on checks for that account).

  • Deposit a check
    Choose from 2 convenient ways to deposit a check:
    • Mobile Check Deposit
      You can use the E*TRADE Mobile app to securely deposit check to your account
    • Mail your deposit.
      If you're going to mail a check made payable to yourself or Morgan Stanley Private Bank to make your initial deposit, send it to:
      Regular US Mail
      Morgan Stanley Private Bank
      Attention: Deposit Operations
      PO Box 484
      Jersey City, NJ 07303-0484

      Overnight Mail
      Morgan Stanley Private Bank
      Harborside 2
      200 Hudson Street, Suite 501
      Jersey City, NJ 07311

    Please click here to review the types of checks accepted for initial deposit

  • Wire your money.
    Find out more about wiring funds to your Morgan Stanley Private Bank account under Wire money into my account.

For a new E*TRADE account:

Here are the main ways to fund a new E*TRADE account:
  • Instantly fund your new account during the online application process.
    The online application process enables the transfer of funds from other financial institutions. You'll just need the account number and ABA transit routing number for your other account (you can find both of these numbers on checks for that account).

  • Transfer money from an existing Morgan Stanley Private Bank or E*TRADE account. Through the online application process or via TransferMoney, you can move money quickly from another Morgan Stanley Private Bank or E*TRADE account to fund your new Morgan Stanley Private Bank account.

  • Deposit a check
    Choose from 2 convenient ways to deposit a check:
    • Mobile Check Deposit
      You can use the E*TRADE Mobile app to securely deposit check to your account
    • Mail your deposit.
      If you're going to mail a check made payable to yourself or E*TRADE to make your initial deposit, send it to:
      Regular U.S. Mail
      E*TRADE
      PO Box 484
      Jersey City, NJ 07303-0484
      Please click here to review the types of checks accepted for initial deposit

      Overnight Mail
      E*TRADE
      Harborside 2
      200 Hudson Street, Suite 501
      Jersey City, NJ 07311
    For more specific information, see our lists of items you can and cannot deposit into your brokerage account.

  • Wire your money.
    Find out more about wiring funds to your E*TRADE account under Wire money into my account.


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Know what I need to have handy to open a brokerage or bank account
To make your application go as smoothly as possible, make sure you have the following information handy before you open an E*TRADE or Morgan Stanley Private Bank account.

  1. You'll need to know the following about yourself and any co-applicants:
    • Legal name
    • Social Security number or Tax ID*
    • Birth date
    • Driver's license number
    • E-mail address

  2. You'll need to know this about any beneficiaries:
    • Legal name
    • Social Security number or Tax ID
* For business accounts (only checking accounts can be opened as business accounts), you will also need to send in the first two pages of the corporate resolution with your deposit.

Note:
If you plan to transfer your initial deposit from another institution, you'll also need to know the ABA (routing) number and your account number at that institution.

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Know which types of items I can deposit into my account
You can deposit most types of checks and some drafts into your accounts. Also see the list of items you can't deposit.

Note:
If you're applying for an account and making your first deposit, in addition to the following options, you can also transfer funds from another account during the online account application process.

Your initial deposit to open an account can be:
  • Any of the following made payable to yourself or Morgan Stanley Private Bank for bank accounts or E*TRADE for brokerage accounts:
    • Personal checks (if the name of the check matches the name on your new account)
    • Certified checks
    • Cashier's checks
    • Corporate checks
    • Foreign checks payable in US dollars and through a US bank

Once your account is open, you can deposit:
  • Any of following made payable to yourself or Morgan Stanley Private Bank for bank accounts or E*TRADE for brokerage accounts:
    • Personal checks
    • Certified checks
    • Cashier's checks
    • Corporate checks
    • Debit checks
    • Foreign checks payable in US dollars and through a US bank

  • Any of the following if endorsed to Morgan Stanley Private Bank or E*TRADE:
    • Government checks
    • Tax refund checks
    • Corporate checks
    • Checks made payable to you (if the name on the check matches the name on your brokerage account)

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Know which types of items I can't deposit into my account
There are certain types of items we cannot accept for deposit into accounts. There are also some types of checks we cannot accept as your initial deposit when opening your account.

We cannot accept:
  • Cash
  • Traveler's checks
  • Money orders
  • Temporary checks
  • Starter checks
  • Checks issued more than six months ago
  • Checks not payable to yourself or Morgan Stanley Private Bank or E*TRADE, or their respective account holders
  • Post-dated checks
  • Credit card checks
  • Loan checks
  • Unsigned checks
  • Incomplete checks
  • Foreign currency checks
  • Checks drawn on non-US institutions
  • Third party checks
  • Counter checks are not accepted by E*TRADE
  • Altered checks (white-out, revised amounts, etc.)
And each of the following items cannot be accepted as an initial deposit when opening an account:
  • Government checks
  • Tax refund checks
  • Corporate checks not payable to Morgan Stanley Private Bank or E*TRADE
  • Personal checks made payable to you
Also see our list of items you can deposit.

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Deposit money into my IRA
You can deposit money into your IRA account by transferring funds online from a bank or brokerage account, sending us a check by mail, or setting up your contribution over the phone.

Find out more...

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Know how soon funds are available after using Transfer Money
Transfer Money is one of the fastest ways to make deposits and move money.

Find out more...

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Know when funds I deposit are available for withdrawal
Funds deposited into your bank or brokerage account are available for withdrawal once the hold time expires.

Find out more...

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Learn more about depositing money using Transfer Money
Transferring money and assets is quick and convenient.

Find out more...

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Deposit a check through our Mobile App
Mobile is a convenient, free service that allows you to quickly and easily deposit checks into your E*TRADE or Morgan Stanley Private Bank account online using eligible devices. You can deposit many types of checks and some drafts into your account. Below, you'll find instructions for bank and brokerage accounts.

To deposit a check or draft through our mobile app into your account:
  1. To make a deposit, simply enter the amount of the check, select a valid account, and follow the onscreen instructions.

Notes:
  • Mobile Check Deposit is available to all US retail customers. Mobile Check Deposit can be used with most E*TRADE brokerage accounts and Morgan Stanley Private Bank accounts. CD, HELOC and futures accounts are not eligible for Mobile Check Deposit.
  • Ensure check is properly endorsed to avoid deposit rejection.
  • Mobile check deposit limit is $250,000 per day, per customer logon ID.
  • Any Mobile Check Deposit received before 4 p.m. ET and in good order will post to your account at the end of that banking business day. Check deposits made after 4 p.m. ET will be processed and will post the following banking business day.
  • Mobile Check Deposit feature is available on E*TRADE Mobile for Apple iPhone®(IOS 12.0 and higher), as well as Android™ phones (8 or higher).

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Send a check for deposit
You can deposit many types of checks and some drafts into your account. Below, you'll find separate instructions for bank and brokerage accounts.

Don't forget to include a deposit slip with each transaction. Deposit slips are sent to you with your monthly statements. You can also find them in your checkbook. For a brokerage or bank IRA contribution, please include this deposit slip with your check.

To send a check or draft to your account:

1. Prepare a deposit slip from your account indicating the deposit amount. Deposit slips for your account can be ordered through the Reorder Checks and Deposit Slips form.
2. Review the list of the types of items you can deposit into your account.
3. Mail your bank deposits to: Mail your brokerage deposits to:

Regular US Mail
Morgan Stanley Private Bank
Attention: Deposit Operations
PO Box 484
Jersey City, NJ 07303-0484

Regular US Mail
E*TRADE
PO Box 484
Jersey City, NJ 07303-0484

Overnight Mail
Morgan Stanley Private Bank
Harborside 2
200 Hudson Street, Suite 501
Jersey City, NJ 07311
Overnight Mail
E*TRADE
Harborside 2
200 Hudson Street, Suite 501
Jersey City, NJ 07311
4. Contact an investment professional at the closest Financial Center to see if they accept deposits.


Notes:
  • Once your deposit is posted to your bank or brokerage account, these funds may begin to accrue interest or reduce your margin balance the business day of the deposit. However, funds are not available for investment or withdrawal until they have been paid (are cleared). For more specific information, see the section on funds availability.
  • If you write checks or initiate cash transfers before the funds are cleared, you'll be charged a $25 fee per item
  • Any checks used to fund a new account must be made payable to yourself or Morgan Stanley Private Bank for bank or E*TRADE for brokerage.

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Reorder deposit slips
Running low on checks or deposit slips? Place a new order right here online.

Find out more...

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Wire money into my account
It's fast and easy to wire money into your account from another institution. Below, you'll find separate instructions for wiring money to your bank and brokerage accounts.

To wire money to your E*TRADE account:
  1. Ask your other financial institution to wire the funds to your E*TRADE account, or print out and complete our incoming wire form.
  2. Provide them with:

    If your financial institution is located in the United States:
    • The amount you want to wire
    • The receiving institution information:
      E*TRADE
      PO Box 484
      Jersey City, NJ 07303-0484
      ABA transit routing number 056073573
    • Your nine-digit E*TRADE account number
    • Your name and address

    If your financial institution is located outside the United States:
    • The amount you want to wire in US dollars(USD)
    • The receiving institution information:
      Wells Fargo Bank, N.A.
      420 Montgomery Street
      San Francisco, CA 94104
      Swift Code: WFBIUS6S
      FBO: E*TRADE
      Routing Number: 056073573
    • Your nine-digit E*TRADE account number
    • Your name and address
    • Please note that international wires usually take 2-7 business days to process.
    • Please note, your wire should ONLY be routed through the Wells Fargo WFBIUS6S swift code if your international bank does not have a correspondent US bank. Any attempt should be made by your bank to send directly to ABA 056073573 as sending through the additional account may lead to delays in the processing of your wire.
    • Please note, funds sent in foreign currency to the USD account above will be automatically converted to USD at daily rates by Wells Fargo Bank and E*TRADE prior to posting the amount to your account. The daily conversion rates will include the following Wells Fargo Bank and E*TRADE fees:

      $0-$49,999.99=160 bps
      $50,000.00 to $99,999.99=110 bps
      $100,000.00 to $499,999.99=90 bps
      $500,000.00 to $749,999.99=75 bps
      $750,000.00 or more= 63 bps

      In the event that the USD funds cannot be posted to your account, the wire will be returned to the originator in USD. The returned wire may be subject to Wells Fargo Bank and E*TRADE fees. If you do not wish your foreign currency funds to be automatically converted to USD by Wells Fargo and E*TRADE, please convert the funds in USD at your local financial institution prior to sending wire to the instructions above.
Check your account the next business day to verify that the funds have been received. If your institution included your account number and the wire was received before 6 p.m. ET the previous business day, the funds should be in your account.

To wire money to your Morgan Stanley Private Bank account:
  1. Contact your other financial institution and ask them to wire funds to your Morgan Stanley Private Bank account, or print out and complete our incoming wire form.
  2. Provide your other financial institution with:
    • The amount you want to wire
    • The receiving institution information:
      Morgan Stanley Private Bank
      PO Box 484
      Jersey City, NJ 07303-0484
      ABA transit routing number 256072691
    • Account number (if a new account, use your Social Security number instead)
    • Social Security number of the primary account holder
    • The name, address, and phone number of the primary account holder
    • Account type and term (one-year CD, money market, etc.)

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Set up direct deposit
With direct deposit you can have funds automatically deposited into your account. You can also set up direct deposit for more than one account. Below, you'll find separate instructions for bank and brokerage accounts.

For your Morgan Stanley Private Bank account:
  1. Get a direct deposit authorization form from your employer, or download one from our website.
  2. Provide the following information on the form:
    • The ABA transit routing number: 256072691
    • The financial institution name: Morgan Stanley Private Bank
    • The account type (indicate checking, money market, or savings)
    • Your Morgan Stanley Private Bank account number (you can find this number on your statement and at the bottom of your checks)

  3. Give the form to your employer.
For your E*TRADE account:
  1. Contact your employer, government agency, or mutual fund company and request a direct deposit authorization form, or get one from us.
  2. Complete the form, sign it, and include:
    • The ABA transit routing number: 056073573
    • The financial institution name: E*TRADE
    • The account type: Checking
    • Provide your 9-digit brokerage account number

  3. Mail the form to the company or agency that will be transferring the funds.

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Deposit a security into my brokerage account
You can deposit stock or bond certificates from another institution into your E*TRADE brokerage account.

Find out more...

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