Max-Rate Checking from Morgan Stanley Private Bank

Banking just got better with APY1 for your money.

Plus, ATM and foreign transaction refunds worldwide2,3

Start banking today

Max-Rate Checking Account from Morgan Stanley Private Bank Rated Best Checking Account by U.S. News and World Report 

What you get with a Max-Rate Checking Account

Earn even more with a competitive rate of APY1, 37X the national average4

Any ATM is your ATM with ATM and foreign transaction fee refunds worldwide2,3

Exceptional value with no transaction fees

Waive the $15 monthly account fee when you maintain an average monthly balance of $5,000.5

Benefits offered with every checking account


Safe and secure

Your money is FDIC-insured, up to applicable limits.


Worry-free banking with Coverdraft Protection

Enjoy peace of mind when enrolled in free Coverage 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.6

Compare the Morgan Stanley Private Bank
Checking Accounts

You choose which bank account is right for you:
 

  Checking Max-Rate Checking
Earn Interest APY7 APY1
ATM Refunds Nationwide8 Worldwide2
Foreign Transaction Fee Refunds3

No Transaction Fees

for online wire transfers, stop payments, insufficient funds, and more.

See rates and fees.

FDIC Protection

Monthly Account Fee None

$15

Waived if you maintain $5,000 average monthly balance.5

 

Max-Rate Checking

Get ATM and foreign transaction fee refunds2,3, while earning interest on your checking account.

Open an account