Watch this short 2 minute video to learn more about about the benefits of CashPlus.
Access Your Cash, Anytime, Anywhere
Access your cash from banks or tellers that
accept Mastercard® and manage your cash on
the go with Morgan Stanley Online and the
Morgan Stanley Mobile App.
For important information and disclosures, please refer to the CashPlus Account Disclosure Statement
No Cash Management Fees1
Enjoy unlimited ATM fee rebates worldwide. Save with no cash advance fees2 and no foreign transaction fees.
Comprehensive Protection
Get Identity and Credit Protection provided by Experian®, including Monthly 3-Bureau Credit Reports, Real-Time Credit Alerts, and more. Plus, Extended Warranty*, Satisfaction Guarantee*, and Price Protection* from Mastercard3 with the Morgan Stanley Debit Card.

Easily Manage Your Account Online
Manage your finances anytime, anywhere6, with online bill pay, setting alerts, easy money movement, eAuthorizations, and tools to transfer and manage your cash.
Get a $695 Annual Engagement Bonus

Which Account Is Right for You?
Experian enrollees must be a CashPlus account owner.
$2,500 monthly deposit (or Social Security deposit in any amount)
-or-
$25,000 Average
Daily Cash Balance (in the Bank Deposit Program)
$5,000 monthly deposit (or Social Security deposit in any amount)
-and-
$25,000 Average
Daily Cash Balance (in the Bank Deposit Program)
** Monthly account fee of $45. Effective 02/01/2022, $55 per month.
$15
$45**
Get Started with a Premier or Platinum CashPlus Account
Or call your Morgan Stanley team to learn more.
FREQUENTLY ASKED QUESTIONS
What is a Morgan Stanley CashPlus Account?
CashPlus Accounts are brokerage accounts specifically designed for your cash management needs.
Is there a fee for the CashPlus Account?
There is no monthly account fee if the following criteria are met collectively across all CashPlus Accounts in your Account Link Group:
For a Premier CashPlus Account:
- $2,500 in total monthly deposits OR $25,000 in Average Daily Cash Balance (in the Bank Deposit Program)
- Additional eligible Morgan Stanley investment account
- Morgan Stanley Online enrollment
For a Platinum CashPlus Account:
- $5000 in total monthly deposits AND $25,000 in Average Daily Cash Balance (in the Bank Deposit Program)
- Additional eligible Morgan Stanley investment account
- Morgan Stanley Online enrollment
For important account information please refer to the CashPlus Account Disclosure Statement.
What deposits are eligible for total monthly deposit?
Eligible deposits consist of:
- Direct Deposit of payroll
- Incoming Transfers
- Mobile Check Deposit
- Branch Check Deposit
- Incoming Send Money with Zelle®
- Incoming Wire
- Any Social Security Deposit Amount
- Distributions from a Morgan Stanley Retirement Account
A Morgan Stanley investment relationship is required to avoid a monthly fee. What constitutes an eligible Morgan Stanley investment relationship?
Eligible investment accounts include but are not limited to:
- AAA Account
- Self-Directed Brokerage Accounts
- Morgan Stanley Access Investing Account
- Discretionary/Non-discretionary Advisory Account or program through Morgan Stanley's Advisory Program
Retirement Plan accounts including IRAs and 529 Accounts are currently not eligible.