Max-Rate Checking and Checking with Morgan Stanley Private Bank

Upgrade your checking with up to 3.00% APY.1,2

Enjoy ATM fee refunds.3,4,5

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Explore our checking offerings

See which checking account is right for you
Max-Rate Checking

Max-Rate Checking

High-yield checking with even more value

  • 3.00% APY2, 42X the national average6
  • ATM fee refunds worldwide4,5
  • FDIC insured up to applicable limits.
  • No transaction fees for online wire transfers, stop payments, and more. See rates and fees.
  • Maintain an average monthly account balance of $5,000 to waive the $15 monthly account fee.7 See more ways to avoid a fee.
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Checking

Checking

Everyday banking with no monthly fees, no minimums, and no gimmicks

  • 1.50% APY1, 21X the national average6
  • ATM fee refunds nationwide3,4
  • FDIC insured up to applicable limits.
  • No transaction fees for online wire transfers, stop payments, and more. See rates and fees.
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Benefits offered with every checking account


Worry-free banking with Coverdraft Protection

Enjoy peace of mind when enrolled in free Coverdraft Protection.


Easy Money Movement

Enjoy unlimited online wires, money transfers and mobile check deposits.


Integrated Account View

View your checking, savings and investing in one place.


24/7 Banking

Manage your money, pay bills and more with our best-in-class mobile app or online.

Experience Checking from Morgan Stanley Private Bank

Start banking today.

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