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Submission: On October 30 via manual from GH — Scanned from DE
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Max-Rate Checking
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* Account Types arrow_back Back to Main Menu
* Overview
* Brokerage
* Retirement
* Core Portfolios
* Managed Portfolios
* Small Business
* Bank
* Investment Choices arrow_back Back to Main Menu
* Overview
* Stocks
* Options
* Mutual Funds
* ETFs
* Futures
* Bonds and CDs
* Prebuilt Portfolios
* IPO / New Issues
* New to Investing
* Trading arrow_back Back to Main Menu
* Overview
* Platforms
* Margin Trading
* Execution Quality
* Pricing and Rates
* Knowledge arrow_back Back to Main Menu
* Overview
* Investing Basics
* Advanced Trading
* Retirement Planning
* Tax Planning
* Morgan Stanley Thought Leadership
* Market News
* Thematic Investing
* Events
* Life Stages
* Banking
* Stock Plans
* Contact us
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might not work as intended. For the best user experience, please use an updated
browser.
MAX-RATE CHECKING
CONVENIENT MOBILE AND ONLINE BANKING WITH NO ATM FEES.1
Plus, earn interest on your Max-Rate Checking Account.2
Start banking today
Open an account
WHAT YOU GET WITH A MAX-RATE CHECKING ACCOUNT
ENJOY UNLIMITED FEE REFUNDS AT ANY ATM MACHINE NATIONWIDE1,3
ACCESS YOUR CASH EVERY-WHERE WITH 2 MILLION+ ATM LOCATIONS AROUND THE WORLD
PAY BILLS FREE. AND YOUR STANDARD CHECKBOOK ORDERS ARE ON THE HOUSE.
RATED #1 BY KIPLINGER, OUR MOBILE APP4 MAKES MANAGING YOUR MONEY A WHOLE LOT
EASIER.
WAIVE THE $15 MONTHLY ACCOUNT FEE WHEN YOU MAINTAIN AN AVERAGE MONTHLY BALANCE
OF $5,000, SET UP A DIRECT DEPOSIT OF $200 OR MORE PER MONTH, OR PLACE AT LEAST
30 STOCK OR OPTIONS TRADES PER QUARTER.2
Open an account
Learn more arrow_forward
WAYS TO FUND
No minimum opening deposit to get started. There are four easy ways to fund your
account.
TRANSFER MONEY
Up to three business days5
Transfer Money is a free service that allows you to move money between your
accounts and from outside financial institutions.
Transfer now
Learn more
WIRE TRANSFER
Same business day
A wire transfer is an electronic transfer of money between accounts, including
accounts at different financial institutions.
Wire funds
Learn more
TRANSFER AN ACCOUNT
10+ business days
Transferring an account simply means moving all of your assets (cash and
securities) from an outside financial institution to E*TRADE or Morgan Stanley
Private Bank.
Transfer now
Learn more
DEPOSIT A CHECK
Up to five business days
Choose from two convenient ways to deposit checks into your account: by mobile
check deposit6 using our E*TRADE Mobile app or by mail.
Learn more
Learn more
FIND THE ACCOUNT FOR YOU
E*TRADE offers a wide range of bank and brokerage accounts.
Compare all bank accounts
WE FIGHT FRAUD
We have a lot invested in your security. Check out all the lengths we go through
to secure and protect your assets.
Security Center
HELP FROM ACTUAL PEOPLE
Robots are cool, but not fun to talk to. When you need help, our support team is
ready to lend a hand.
Contact us
MAX-RATE CHECKING
Get unlimited ATM fee refunds1 and earn interest2 on your checking account.
Opening a Max-Rate Checking Account is quick and easy.
Open an account
FDIC Insured
Bank deposits insured to at least $250,000 Learn more
ETRADE FOOTER
ABOUT US
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SERVICE
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QUICK LINKS
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CONNECT WITH US
phone 800-387-2331
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PLEASE READ THE IMPORTANT DISCLOSURES BELOW.
1. 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.
These fees will automatically be credited to your account. Morgan Stanley
Private Bank does impose a charge equal to 1% of the transaction amount
(including credits and reversals) for non-U.S. currency transactions. In the
event Morgan Stanley Private Bank in its sole discretion determines that
there has been either fraudulent or excessive use of the feature on a given
account, Morgan Stanley Private Bank reserves the right to remove this
feature and not refund the ATM fees. For additional information and
important details about how the ATM fee refund will be applied, please visit
www.etrade.com/atmrefundpolicy.
2. As of 10/29/2023, the Annual Percentage Yield (APY) of the Max-Rate Checking
Account is 0.05% for balances of $50,000 or more, 0.05% for balances of
$5,000 - $49,999, and 0.05% for balances of less than $5,000. Rates are
subject to change daily and fees may reduce earnings. No minimum deposit is
required to open a new account. To avoid a $15 monthly fee, the account
holder must 1) set up a direct deposit of $200 or more per month to the
account, or 2) maintain an average monthly balance of at least $5,000 in the
account on or after the end of the second statement cycle, or 3) maintain 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 4) have a combined balance of $50,000 or more in linked
E*TRADE from Morgan Stanley brokerage 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 5) have executed at least 30 stock or options trades during the
prior calendar quarter in your linked E*TRADE from Morgan Stanley brokerage
account(s).
3. Not all business entities are eligible for an ATM/debit card. Trusts, Sole
Proprietorships, Associations/Clubs, and Partnerships are eligible to
receive an ATM/debit card. Custodial accounts, Estates, LLCs, and
Corporations are not eligible to receive an ATM/debit card. For Non-profit
organizations, the type of business entity determines debit card
eligibility.
4. In Kiplinger's annual Best Online Brokers and Trading Platforms Review of
ten firms across eight categories issued August 26, 2022, and based on
evaluation conducted from August 26, 2021 – August 26, 2022, E*TRADE earned
an overall score of 87.3 out of 100. E*TRADE’s ratings for all category
rankings include: Overall (#1), Commissions and Fees (#7), Investment
Choices (#3), Mobile App (#1), Tools (#1), Research (#1), User Experience
(#5), and Advisory Services (#3). Read the full "Best Online Brokers and
Trading Platforms, 2022" survey.
From Kiplinger's Personal Finance. © 2022 The Kiplinger Washington Editors.
All rights reserved. Used under license obtained via compensation paid to
Kiplinger.
5. Transfer Money transactions made between existing accounts will be processed
immediately. Funds deposited to accounts via Transfer Money from external
accounts will be available for investment or withdrawal on the third
business day after the date of deposit if transferred by 4 p.m. ET.
6. Mobile check deposit is available to most E*TRADE and Morgan Stanley Private
Bank, National Association US retail customers. CD, HELOC, and futures
accounts are not eligible for mobile check deposit. Mobile check deposit
limit is $250,000 per day, per customer logon. System limitations may apply.
Securities products and investment advisory offered by Morgan Stanley Smith
Barney LLC (MSSB), Member SIPC and a Registered Investment Adviser. Commodity
futures and options on futures products and services offered by E*TRADE Futures
LLC, Member NFA. Stock plan administration solutions and services offered by
E*TRADE Financial Corporate Services, Inc., and are a part of Morgan Stanley at
Work. Banking products and services are provided by Morgan Stanley Private Bank,
National Association, Member FDIC. All entities are separate but affiliated
subsidiaries of Morgan Stanley. E*TRADE from Morgan Stanley and Morgan Stanley
at Work are registered trademarks of Morgan Stanley.
System response and account access times may vary due to a variety of factors,
including trading volumes, market conditions, system performance, and other
factors.
Statement of Financial Condition | About Asset Protection | Account Agreements
and Disclosures | Quarterly 606 Report | Business Resiliency Plan
©2023 E*TRADE from Morgan Stanley. All rights reserved. E*TRADE Copyright Policy
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