APY on $10,000
0.00%
- 0.00% for the first 6 months
- Then 3.75% APY
Morgan Stanley Private Bank · Savings account
Morgan Stanley Private Premium Savings Account
Promotional rate · lasts 6 months$0 a year on $10,000 at today’s 0.00% APY. No monthly fee. No minimum to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 8, 2026
Issuer's page · express.etrade.com
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.00%
- Monthly fee, a year
- $0
- A year
- $0
- APY on $10,000
- Receipt · APYChecked Nov 8, 2026
Issuer's page · express.etrade.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · us.etrade.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · express.etrade.com
The source states this figure; we have no exact sentence on file yet.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Offer
Bonus
$20,000 deposited within 30 days, kept 45 days
Morgan Stanley Private Premium Savings Account · Morgan Stanley Private
Ends Nov 30, 2026Meet it within 30 days
“Open a new Premium Savings Account by 11/30/2026 using promo code SAVE200, deposit at least $20,000 of qualifying new money within 30 days of account opening, and maintain the balance for 45 additional days after the 30-day funding period ends.”The bank’s page, checked Nov 8, 2026
Against the market
How it ranks
#236of 270 savings accounts, by a year’s value on $10,000
All 270 savings accounts, rankedFeatures
- Extended deposit insurance
- Interest bearing
- Joint accounts
- No minimum balance
- Online opening
- Support 24/7
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
Terms
Rate conditions
- Balance needed for the APY
- $0express.etrade.com, checked Nov 8, 2026
- To earn the APY
- Open and fund a new Premium Savings Account with qualifying deposits by 11/30/2026.us.etrade.com, checked Nov 8, 2026
- APY paid on balances up to
- $10,000,000us.etrade.com, checked Nov 8, 2026
- Promotional rate lasts
- 6 monthsexpress.etrade.com, checked Nov 8, 2026
- APY after the promotion
- 3.75%us.etrade.com, checked Nov 8, 2026
- Interest compounds
- Interest is compounded daily.us.etrade.com, checked Nov 8, 2026
Fees
- Monthly fee
- Noneus.etrade.com, checked Nov 8, 2026
- Minimum to open
- Noneexpress.etrade.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $25us.etrade.com, checked Nov 8, 2026
- Out-of-network ATM fee
- Noneus.etrade.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 1%us.etrade.com, checked Nov 8, 2026
- Incoming domestic wire
- Noneus.etrade.com, checked Nov 8, 2026
- Outgoing domestic wire
- $25us.etrade.com, checked Nov 8, 2026
- Incoming international wire
- Noneus.etrade.com, checked Nov 8, 2026
- Outgoing international wire
- $25us.etrade.com, checked Nov 8, 2026
- Stop payment
- $25us.etrade.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money