Morgan Stanley Private Max-Rate Checking Account

$40 a year for an everyday customer. No monthly fee. No minimum to open.

Checked Nov 8, 2026Updated Nov 8, 2026

A year, everyday customer: $40
APY: Receipt · APYChecked Nov 8, 2026
Issuer's page · us.etrade.com
The source states this figure; we have no exact sentence on file yet.
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Monthly fee: Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · us.etrade.com · PDF
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To open: Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · express.etrade.com
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Against the market

How it ranks

#4of 1043 checking accounts, by a year’s value for an everyday customer

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Balance needed for the APY: $0us.etrade.com, checked Nov 8, 2026
Interest compounds: Interest is compounded daily.us.etrade.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

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