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E*TRADE Bank
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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
 * New to Investing
 * Trading arrow_back Back to Main Menu
   * Overview
   * Platforms
   * Margin Trading
   * Execution Quality
 * Pricing and Rates
 * Knowledge
 * E*TRADE Bank
 * Stock Plans
 * Refer a Friend
 * Contact us

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E*TRADE BANK

Get convenient, low-fee banking that’s fully integrated with your E*TRADE
account.


WHY BANK WITH E*TRADE?


INTEGRATED ACCOUNT VIEW

Investing and savings accounts appear in the same view so you can do everything
in one place


LOW FEES

Pay less for your banking, and earn competitive yields.
See bank deposit rates and fees.


FREE TRANSFER MONEY SERVICE

We make it easy to move money between your E*TRADE accounts and outside
financial institutions1


PROTECTION, GUARANTEED

Protect your privacy and your assets with our Complete Protection Guarantee


COMPARE BANK ACCOUNTS

From interest-bearing savings to no-fee checking, see which E*TRADE Bank account
is right for you.


PREMIUM SAVINGS ACCOUNT

FDIC insured up to $1,250,000. View details

 * 0.05% APY2
 * No minimum opening deposit to get started
 * No minimum monthly account fee
 * Anytime, anywhere banking with our award-winning mobile app3
 * Real-time money transfers between E*TRADE accounts4

Open an account
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MAX-RATE CHECKING

Convenient mobile and online banking with no ATM fees.1

 * 0.05% APY5
 * No minimum opening deposit to get started
 * FDIC insured up to $250,000. View details
 * Maintain an average monthly balance of $5,000 to waive the $15 monthly fee.5
   More ways to avoid fee.
 * Free online Bill Pay service
 * Unlimited free ATM fee refunds6
 * Free Max-Rate Checking debit card
 * Online images of cleared and deposited checks

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E*TRADE CHECKING

No monthly account fees for this non-interest-bearing account.

 * 0% APY
 * No minimum opening deposit to get started
 * FDIC insured up to $250,000. View details
 * No minimum balance and no monthly account fee
 * Free online Bill Pay service
 * Unlimited debit and check transactions
 * Free E*TRADE Checking debit card
 * Online images of cleared and deposited checks

Open an account
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NEED CASH? EXPLORE E*TRADE LINE OF CREDIT

Unlock the power of your portfolio for cash when you need it most.7

Borrow against eligible assets in your E*TRADE brokerage account8

Avoid selling securities and disrupting your investment strategy9

Enjoy low interest rates with flexible repayment schedules10

Learn more     Get started
 
FDIC Insured
Learn more



EXISTING MORTGAGE LOAN

Need to access or view additional information about your existing mortgage loan?
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START BANKING TODAY

Ready to integrate your banking and investing experience?

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ETRADE FOOTER



ABOUT US 

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SERVICE 

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QUICK LINKS 

 * Open An Account
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CONNECT WITH US

phone 800-387-2331

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PLEASE READ THE IMPORTANT DISCLOSURES BELOW.





There are risks associated with certain industries or companies within an
industry. This could cause performance to be susceptible to the economic,
business, government regulation, or other developments that affect those
industries.



 1.  For details and important information about Transfer Money, please click
     here for a listing of the limitations, restrictions and time deadlines
     associated with this service.
 2.  As of 11/08/2021, the Annual Percentage Yield (APY) of the Premium Savings
     Account offered by E*TRADE Bank is 0.05% for balances of $500,000 or more,
     0.05% for balances of $100,000–$499,999, 0.05% for balances of
     $50,000–$99,999, 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 initial deposit is required to open an
     account. However, account must be funded within 30 days to remain open.
 3.  In Kiplinger's annual Best Online Brokers Review of 11 firms across seven
     categories, E*TRADE was awarded first place in the Mobile app category.
     E*TRADE’s ratings for all category rankings include: Mobile (#1), Overall
     (#3), User Experience (#3), Investment Choices (#3), Advisory Services
     (#4), Research (#4), Tools (#5), and Commissions and Fees (#7). Read the
     full "Best Online Brokers, 2020" survey.
 4.  With Premium Savings Account, withdrawal limits apply. Account holders are
     allowed up to six withdrawals or transfers (for example, using Transfer
     Money) from their account in any calendar month. Inbound Transfer Money
     transactions are not subject to any limits. If transaction limitations are
     exceeded, we may close the account, or convert it to an E*TRADE Checking
     account, or remove the account's transfer and draft capacity. Funds may be
     transferred to another Bank account by written request signed by the
     account holder(s), by telephone request through Bank personnel, over the
     internet, or by electronic funds transfer, if you subscribe to such
     services. See your Account Agreement for additional details.
 5.  As of 11/08/2021, 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 E*TRADE
     Bank 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 Securities 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
     Securities account(s).
 6.  With Max-Rate Checking, E*TRADE 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. E*TRADE
     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
     E*TRADE Bank in its sole discretion determines that there has been either
     fraudulent or excessive use of the feature on a given account, E*TRADE 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.
 7.  The E*TRADE Line of Credit is offered by E*TRADE Savings Bank, a federal
     savings bank. The E*TRADE Line of Credit is subject to bank and credit
     approval. Eligible collateral must be maintained at E*TRADE Securities LLC
     or E*TRADE Savings Bank. E*TRADE Savings Bank and E*TRADE Securities LLC
     are separate but affiliated companies. Nothing herein should be interpreted
     as imposing an obligation on E*TRADE Savings Bank to lend. Proceeds from
     the E*TRADE Line of Credit may not be used to purchase securities or pay
     down margin loans and may not be deposited into an E*TRADE Securities LLC
     account or into a brokerage account.  Rates, terms, and conditions are
     subject to change without notice. If any of the pledged collateral for your
     E*TRADE Line of Credit is held in a managed portfolio, failure to satisfy a
     maintenance call may result in the termination of any applicable advisory
     agreement.
 8.  The amount you may be able to borrow will be based upon the eligible market
     value of your investments, at E*TRADE Savings Bank’s discretion. In some
     cases, due to certain risk factors like security concentration or liquidity
     issues, the amount you can borrow may be reduced. Click here and select the
     Credit Limit Calculator link to check the estimated maximum credit line
     based on your current investment portfolio.
 9.  Securities-based lending involves special risks and is not suitable for
     everyone. Be sure to carefully review product details, risks and benefits
     to ensure this product is right for you. A decline in the value of your
     pledged collateral may require you to provide additional funds or
     securities. You can lose more funds than are held in the collateral
     account. An E*TRADE Line of Credit account is a full-recourse loan and you
     will be held liable for any deficiency. E*TRADE Savings Bank can enforce a
     liquidation of any pledged collateral, and can do so without contacting you
     first. You are not entitled to choose which securities in the collateral
     account are liquidated. E*TRADE Savings Bank can modify its maintenance
     requirements at any time, without notice to you. You are not entitled to an
     extension of time to resolve a maintenance call. If your assets are
     liquidated, there may be adverse tax or other consequences. An E*TRADE Line
     of Credit is an uncommitted demand facility, which means the bank may
     demand full or partial repayment at any time or elect not to advance funds.
 10. Your applicable interest rate will be determined by your pledged collateral
     market value and is subject to change. This rate is calculated based on a
     360-day year. Rates are tied to the 30-day rolling compounded average
     Secured Overnight Financing Rate (SOFR), as published by the Federal
     Reserve Bank of New York, plus a variable rate adjustment, plus a margin.
     The SOFR rate may be reset every business day (or the following business
     day in event of a holiday). Processing fees may apply for payments made by
     check. Please see rates, fees and other important information at
     etrade.com/lineofcreditrates.

 

Securities products and services offered by E*TRADE Securities LLC. Member SIPC.
Investment advisory services offered by E*TRADE Capital Management, LLC, a
Registered Investment Adviser. Commodity futures and options on futures products
and services offered by E*TRADE Futures LLC, Member NFA. Bank products and
services offered by E*TRADE Bank and E*TRADE Savings Bank, both federal savings
banks and Members FDIC. Stock plan administration solutions and services offered
by E*TRADE Financial Corporate Services, Inc. All separate but affiliated
subsidiaries of E*TRADE Financial Holdings, LLC.

Securities, investment advisory, commodity futures, options on futures and other
non-deposit investment products and services are not insured by the FDIC, are
not deposits or obligations of, or guaranteed by, E*TRADE Bank or E*TRADE
Savings Bank, and are subject to investment risk, including possible loss of the
principal amount invested.

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

©2021 E*TRADE Financial Holdings, LLC, a business of Morgan Stanley. All rights
reserved. E*TRADE Copyright Policy



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