Banking

Experience Better Banking Today

As part of your workplace benefits, you have access to a range of banking solutions through Morgan Stanley Private Bank to help you make the most of your money.

Modern Banking That Checks All the Boxes

Exceptional Value

Enjoy competitive yields and fees for deposits. See bank deposit rates and fees

Easy Money Movement

Move money where you need it most with just a few clicks.

​24/7 Banking

Manage your money online or with our mobile app.

Safe and Secure

Your assets are FDIC insured up to applicable limits.

Explore Our Bank Offerings

Whether you’re looking to earn a higher rate on your savings or an account for your everyday cash, Morgan Stanley Private Bank offers a variety of high-yield bank accounts. Plus, if you have a linked stock plan account or an E*TRADE brokerage account, you’ll have a consolidated view of your banking and investing, so you can easily manage your finances in one convenient place.

Premium Savings Account
    • Earn 4.25% APY 3, 9X the national average 4
    • Rated Best Savings Account for Investors by Buy Side from WSJ *
    • FDIC insured up to $500,000.5 View details.
    • No minimum deposit 6

     

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Max-Rate Checking
  1. High-yield checking with even more value

    • 3.00% APY7 , 37X the national average8
    • Rated Best Checking Account by U.S. News and World Report**
    • ATM fee refunds 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. See more ways to avoid a fee.

     

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Checking
  1. Everyday banking with no monthly fees and no minimums

    • ATM fee refunds nationwide 10,13

    • FDIC insured up to applicable limits.11

    • No transaction fees for online wire transfers, stop payments and more. See rates and fees.

    • No minimum deposit

     

    Learn More

Discover What’s Beyond Your Benefits

Morgan Stanley at Work gives you access to the full power of Morgan Stanley and E*TRADE from Morgan Stanley, to help take your financial future further.

Financial Advice
Our experienced Financial Advisors can help you plan, invest and prepare for your future.
Trading and Investment Accounts
Open the door to opportunity by taking advantage of self-directed trading and investment accounts.
Perks
Explore curated offers and discounts on popular brands in wellness, travel, apparel, gifts and more.