Convenience you can bank on
Enjoy banking powered by Morgan Stanley Private Bank that’s fully integrated with your E*TRADE accounts.
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.1
Safe and secure
Your assets and privacy are protected by our Complete Protection Guarantee.
Explore our bank offerings
We’ve enhanced our Max-Rate Checking and Checking accounts to bring you more value. See which Morgan Stanley Private Bank solution is right for you.
Premium Savings Account
Earn a competitive rate from Morgan Stanley Private Bank
- Earn 4.25% APY2, 9X the national average3
- FDIC insured up to $500,000.4 View details.
- No minimum deposit5
- Instantly move money to E*TRADE brokerage accounts online 1, 6
Max-Rate Checking
High-yield checking with even more value
- 3.00% APY7, 42X the national average8
- Fee refunds at any ATM worldwide9,10
- FDIC insured up to applicable limits.11
- 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.12 See more ways to avoid a fee.
Checking
Everyday banking with no monthly fees, no minimums, and no gimmicks
- 1.50% APY13, 21X the national average8
- ATM fee refunds nationwide10,14
- FDIC insured up to applicable limits.11
- No transaction fees for online wire transfers, stop payments, and more. See rates and fees.
Line of Credit15
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 accounts16
- Potentially preserve your investment strategy by not selling your securities17
- Enjoy low interest rates to make borrowing more affordable18
- 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
Line of Credit
Unlock the power of your portfolio for cash when you need it most.15
- Borrow against eligible assets in your E*TRADE from Morgan Stanley brokerage accounts16
- Potentially preserve your investment strategy by not selling your securities17
- Enjoy low interest rates to make borrowing more affordable18
- 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
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
Experience better banking today
Integrate your banking and investing for easier money management.