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 Refresh October 31, 2022 12:57 PM ET
Help Center: Learn about FDIC insurance



Deposits at Morgan Stanley Private Bank are insured by the FDIC.

The Federal Deposit Insurance Corporation (FDIC) is an independent agency
created by the U.S. Congress in 1933 to help maintain public confidence in the
nation's financial system. One of the primary goals of the FDIC is to insure
deposits in banks and thrift institutions. Learn more.

To check if your Morgan Stanley Private Bank accounts are fully protected, visit
the FDIC Estimator.

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What does FDIC insurance cover?
FDIC insurance covers all types of deposits received at Morgan Stanley Private
Bank, including deposits in checking, savings, and money market deposit
accounts.

The balance of each depositor's account is covered dollar for dollar up to the
insurance limit, including principal and any accrued interest through the date
of the insured bank's closing.

FDIC insurance does not cover money invested in stocks, bonds, mutual funds,
life insurance policies, annuities, or municipal securities.

How much insurance does the FDIC provide?
 * The basic insurance amount is $250,000 per depositor at Morgan Stanley
   Private Bank.
 * Deposits in Morgan Stanley Private Bank are insured separately from deposits
   in other insured banks.
 * Deposits maintained in different categories of legal ownership at the same
   bank can be separately insured. Therefore, it is possible to have deposits of
   more than $250,000 at one insured bank and still be fully insured.


For more information on coverage for accounts and ownership categories such as
trusts, PODs, and corporate accounts, visit www.fdic.gov.

You can verify coverage by calling the FDIC toll-free consumer hotline at
1-877-275-3342 and providing Morgan Stanley Private Bank's certificate number -
34221.

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