Cash Management

E*TRADE and Morgan Stanley Private Bank offers a variety of seamlessly integrated cash management features that let you access, move, and manage the cash sitting in your bank and brokerage account.

Explore available features

Access the cash in your account with ease anytime, anywhere, with a $0 minimum.


Free debit card1

Get cash and pay for purchases from your account any time of day, no matter where you are.

  • Get ATM fee refunds from any machine nationwide2 (for eligible customers)
  • Make point-of-purchase payments at millions of locations around the world
  • Add your card to Apple Pay, Samsung Pay, or Google Pay and make payments in store, in app, and online through your Wallet app

Free cash transfers

We believe that nothing should stand between you and your money.

  • Your first checkbook is free (for eligible customers)3
  • Stay in control with 24/7 access to cleared check images
  • Move money to and from any financial institution with our convenient Transfer Money service

Free online Bill Pay4

Pay anyone, anywhere with our fast and convenient online Bill Pay service.

  • Save time (and stamps) by receiving and paying your bills online in one convenient place
  • Eliminate late fees by scheduling recurring payments
  • Manage payments online or through your mobile device

Do you have cash in your account you are not investing?

Save time with Mobile Check Deposit


Securely deposit checks using the E*TRADE Mobile app on your smartphone or tablet.5

See how it works