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   * Overview
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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

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

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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PLEASE READ THE IMPORTANT DISCLOSURES BELOW.



 1. As of 04/18/2024, the Annual Percentage Yield (APY) of the Checking Account
    is 1.50%. Your interest rate and APY may change at any time and fees may
    reduce earnings. Please visit etrade.com/ratesheet for information regarding
    this account's current interest rate and corresponding APY.
 2. As of 04/18/2024, the Annual Percentage Yield (APY) of the Max-Rate Checking
    Account is 3.00% for balances of $50,000 or more, 3.00% for balances of
    $5,000 - $49,999, and 3.00% for balances of less than $5,000. Your interest
    rate and APY may change at any time and fees may reduce earnings. Please
    visit etrade.com/ratesheet for information regarding interest rate tiers,
    current interest rates, and corresponding APYs.
 3. With Checking, Morgan Stanley Private Bank, National Association ("Morgan
    Stanley Private Bank") will not charge you a fee for withdrawing funds from
    any institution's ATM but the owner/operator of the ATM may charge a fee. In
    those cases, we will refund ATM fees charged nationwide. For additional
    information and important details about how the ATM fee refund will be
    applied, please visit the etrade.com/rateandfee for more details.
 4. Morgan Stanley Private Bank imposes a charge equal to 1% of the transaction
    amount (including credits and reversals) for non-U.S. currency transactions.
    Refer to the etrade.com/rateandfee for more details.
 5. With Max-Rate Checking, Morgan Stanley Private Bank, National Association
    ("Morgan Stanley Private Bank") will not charge you a fee for withdrawing
    funds from any institution's ATM but the owner/operator of the ATM may
    charge a fee. In those cases, we will refund ATM fees charged worldwide. For
    additional information and important details about how the ATM fee refund
    will be applied, please visit the etrade.com/rateandfee for more details.
 6. Based on comparison to the National Deposit Interest Checking Average Annual
    Percentage Yield (APY) as published on the FDIC Weekly National Rates and
    Rate Caps Weekly Update, as of October 13, 2023.
 7. The $15 monthly account fee can be waived when you maintain an average
    monthly balance of at least $5,000 in the account on or after the end of the
    second statement cycle. Alternatively, you can also waive the fee by 1)
    setting up a direct deposit of $200 or more per month to the account (a
    combination of direct deposits totaling $200 does not satisfy this
    requirement), or 2) maintaining an average monthly balance of at least
    $50,000 in linked Morgan Stanley Private Bank, National Association accounts
    on or after the end of the second statement cycle, or 3) having a combined
    balance of $50,000 or more in linked E*TRADE from Morgan Stanley (held at
    Morgan Stanley Smith Barney LLC), and employee stock plan accounts
    (including vested in-the-money options, stock option plan shares, ESPP
    shares, and released restricted stock) on the date the monthly fee is
    charged, or 4) having executed at least 30 stock or options trades during
    the prior calendar quarter in your linked E*TRADE from Morgan Stanley
    accounts.

Deposits held in checking accounts are FDIC insured to at least $250,000. Learn
more.





Banking products and services are provided by Morgan Stanley Private Bank,
National Association, Member FDIC.

©2024 E*TRADE from Morgan Stanley. All rights reserved. E*TRADE Copyright Policy



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