Fund my account
Five easy ways to fund
Transfer money
Up to three business days1
Transfer Money is a free service that allows you to move money between your accounts and from outside financial institutions.
Wire transfer
Same business day
A wire transfer is an electronic transfer of money between accounts, including accounts at different financial institutions.
Transfer an account
10+ business days
Transferring an account simply means moving all of your assets (cash and securities) from an outside financial institution to E*TRADE or Morgan Stanley Private Bank.
Deposit a check
Up to five business days
Choose from two convenient ways to deposit checks into your account: by mobile check deposit2 using our E*TRADE mobile app or by mail.
Direct deposit
1-2 pay cycles
Set up a direct deposit to get your paycheck and other recurring income automatically deposited into your account.
Already initiated funding? Learn how soon you can use your funds
Transfer Money
Transfer Money is a free online service that allows you to move money between your E*TRADE and/or Morgan Stanley Private Bank accounts and from outside financial institutions. It's easy, convenient, and 100 percent protected by our exclusive E*TRADE Complete Protection Guarantee.
- Select the appropriate accounts from the From and To menus and enter your transfer amount.
- Enter the date you want the transfer to occur in the Date field.
- Select how often you want your transfer to occur from the Repeat this transfer? dropdown, click on Preview transfer, and then Confirm.
Transfer Now
(Logon required)
Funds Availability
| Deposit type | Funds available |
|---|---|
| From external account to E*TRADE or Morgan Stanley Private Bank | Third business day after the Transfer Money request is entered if submitted before 4 p.m. ET |
| From external account to E*TRADE Brokerage | Third business day after the Transfer Money request is entered if submitted before 4 p.m. ET Based on cleared equity in your E*TRADE Brokerage account, some or all of the funds may be available for investment immediately. |
| From E*TRADE or Morgan Stanley Private Bank to E*TRADE Brokerage | Immediately |
| From E*TRADE Brokerage to E*TRADE or Morgan Stanley Private Bank | Immediately |
| From E*TRADE or Morgan Stanley Private Bank to E*TRADE or Morgan Stanley Private Bank | Immediately |
| From E*TRADE Brokerage to E*TRADE Brokerage | Immediately |
| From E*TRADE Brokerage or Morgan Stanley Private Bank to an E*TRADE IRA | Immediately |
| From E*TRADE or Morgan Stanley Private Bank to an External Account | Contact the external institution you are transferring funds to. |
Check the status of your request in Transfer activity. You'll also receive updates online via alerts.
Wire transfer
Wire transfer is an electronic transfer of money between accounts, including accounts at different financial institutions. Wire transfers are fast and highly secure.
Wire money to your E*TRADE brokerage account:
- Complete and print out our E*TRADE from Morgan Stanley Wire Transfer Form.
- Send the completed form to your other financial institution and ask them to wire funds to E*TRADE.
The receiving institution information:
Morgan Stanley Smith Barney LLC
PO Box 484
Jersey City, NJ 07303-0484
ABA Routing Number: 056073573
Your information:
- The amount you want to wire
- Your nine-digit E*TRADE number. (Your account number can be found on the Complete View page when you first log on.)
- Your name and address
Wire money to your Morgan Stanley Private Bank account:
- Complete and print out our Morgan Stanley Private Bank Wire Transfer Form.
- Send the completed form to your other financial institution and ask them to wire funds to Morgan Stanley Private Bank.
The receiving institution information:
Morgan Stanley Private Bank
PO Box 484
Jersey City, NJ 07303-0484
ABA Routing Number: 256072691
Your information:
- The amount you want to wire
- Account number
- The name, address, and phone number of the primary account holder
If your financial institution is located outside of the United States
Non-US wire and the non-US bank has a correspondent US bank
Amount of incoming wire in US dollars or non-US currency
Receiving institution information:
- Morgan Stanley Smith Barney LLC, 2000 Westchester Avenue, Purchase, NY 10577
- ABA Routing Number: 056073573
- The bank name for this routing number is Morgan Stanley Private Bank National Association (MSPBNA).
- Your nine-digit Morgan Stanley Smith Barney account number
- Your name and address
Non-US wire and the non-US bank does not have a correspondent US bank
Amount of incoming wire in US dollars or non-US currency
Receiving institution information:
- Wells Fargo Bank, N.A., 420 Montgomery Street, San Francisco, CA 94104
- SWIFT Code: WFBIUS6S
- Intermediary: FBO: Morgan Stanley Smith Barney LLC
- ABA Routing Number: 056073573
- The bank name for this routing number is Morgan Stanley Private Bank National Association (MSPBNA).
- Your nine-digit Morgan Stanley Smith Barney account number
- Your name and address
Funds availability
Same business day if received before 6 p.m. ET
Check the status of your request in the Transfer activity. You'll also receive updates online via alerts.
Transfer an account
Transferring an account simply means moving all of your cash or securities from an outside financial institution to E*TRADE from Morgan Stanley. Consolidating assets will simplify your life and make managing your finances much easier with the value, tools, and guidance E*TRADE provides.
NOTE: This option is only available for funding brokerage accounts.
Log on and use our easy Transfer an Account feature for the quickest delivery. It will guide you step-by-step through the process.
You'll want to have the following information from your monthly statement handy:
- The name of the delivering financial institution
- Your account number at that financial institution
- The registration (ownership of the account)
If you prefer, or if you are changing the account registration, you can complete our paper Account Transfer Form and mail it to the address provided.
Transfer now
(Logon required)
Funds availability
| If transfer request submitted: Electronically Via mail |
Assets typically delivered: 10+ business days 3—6 weeks |
Deposit a check
Choose from two convenient ways to deposit checks into your Morgan Stanley Private Bank or E*TRADE from Morgan Stanley brokerage account.
Mobile check deposit
Use the E*TRADE Mobile app to securely deposit checks directly into your account.2
- Launch E*TRADE Mobile and go to Check Deposit
- Enter the amount and select your account
- Sign the back of the check and write "For electronic deposit" above your endorsement on all Checks deposited through the Service.
- Snap a picture of the front and back of your endorsed check
- Tap Submit to make your deposit
Download E*TRADE Mobile
Mail a check
For checks made payable to E*TRADE or Morgan Stanley Private Bank:
- Write your nine-digit or ten-digit account number on the memo line.
- Sign the back of the check and write "for deposit only to [account number]" next to or directly under your signature.
- Attach a deposit slip (if you have one)
For checks made payable to you:
- Sign the back of the check and write "for deposit only to [account number]" next to or directly under your signature.
- Attach a deposit slip (if you have one)
Mail your brokerage deposits to:
Regular US mail
E*TRADE from Morgan Stanley
PO Box 484
Jersey City, NJ 07303-0484
Overnight mail
E*TRADE from Morgan Stanley
Harborside 2
200 Hudson Street, Suite 501
Jersey City, NJ 07311-1113
Mail your bank deposits 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 07311-1113
Funds availability
Funds deposited to your brokerage account will be available for investing or withdrawal on the fourth business day after the date of deposit (items received prior to 4 p.m. ET). For funds deposited to your bank account, generally the first $225 will be available on the first business day after the date of deposit (items received prior to 4 p.m. ET), an additional $5,300 will be available on the second business day after the date of deposit, and the remaining amount will be available on the fourth business day after the date of deposit.
Check the status of your request in the Transfer activity. You'll also receive updates online via alerts.
Direct deposit
Get your paycheck and other recurring income electronically deposited into your account when you set up a direct deposit.
Set up a direct deposit to your Morgan Stanley Private Bank Checking or Savings account:
- Access your checking or savings account number and routing number to set up or change an existing direct deposit (e.g. employer payroll, pension, social security):
Routing number:
256072691
Account number:
Online: Click Accounts > Complete View > Quick Links
Mobile: Click Menu > Transfer > Set up Direct Deposit
- Account and routing numbers are also available on the checks associated with your account.
- You may also need the following information:
Financial institution name:
Morgan Stanley Private Bank
Account type:
Checking, Savings
- Access your employer’s payroll provider to update your information or download a Direct Deposit Form, if accepted.
- For direct deposits from the Social Security Administration, go to ssa.gov/myaccount and click "Set up or change direct deposit" to get started.
Set up a direct deposit to your E*TRADE Brokerage Account:
- Access your brokerage account number and routing number to set up or change an existing direct deposit (e.g. employer payroll, pension, social security):
Routing number:
056073573
Account number:
Online: Click Accounts > Complete View > Quick LInks
Mobile: Click Menu > Transfer > Set up Direct Deposit
- Account and routing numbers are also available on the checks associated with your account.
- You may also need the following information:
Financial institution name:
E*TRADE from Morgan Stanley
Account type:
Checking
- Access your employer’s payroll provider to update your information or download a Direct Deposit Form, if accepted.
- For direct deposits from the Social Security Administration, go to ssa.gov/myaccount and click "Set up or change direct deposit" to get started.
Funds Availability
1-2 pay cycles for initial setup, then immediately