Morgan Stanley Private BankChecking accountChecked Oct 10, 2026Updated Oct 10, 2026

Morgan Stanley Private Max-Rate Checking Account

2.00%APY · as of Oct 10, 2026

A year for an everyday customer: $40 fees and interest, $2,000 kept
Monthly fee: No monthly fee
To open: No minimum to open
On our list: #3 of 986 checking accounts, by a year’s value for an everyday customer

Visit Morgan Stanley PrivateThe bank’s own page · checked Oct 10, 2026

Rate conditions

Balance needed for the APY: $0Source · checked Oct 10, 2026
APY when those aren’t met: 0.05%Source · checked Oct 10, 2026
APY paid on balances up to: $10,000Source · checked Oct 10, 2026
Interest compounds: Interest is compounded daily.Source · checked Oct 10, 2026

Fees

Monthly fee: NoneSource · checked Oct 10, 2026
Minimum to open: NoneSource · checked Oct 10, 2026
Returned item (NSF) fee: NoneSource · checked Oct 10, 2026
Overdraft transfer fee: NoneSource · checked Oct 10, 2026
Out-of-network ATM fee: NoneSource · checked Oct 10, 2026
International ATM fee: NoneSource · checked Oct 10, 2026
Foreign transaction fee (debit card): 1%Source · checked Oct 10, 2026
Incoming domestic wire: NoneSource · checked Oct 10, 2026
Outgoing domestic wire: $25Source · checked Oct 10, 2026
Incoming international wire: NoneSource · checked Oct 10, 2026
Outgoing international wire: $25Source · checked Oct 10, 2026
Stop payment: NoneSource · checked Oct 10, 2026

Features

ATM fee rebatesCard lockDebit cardFree checksInterest bearingJoint accountsNo foreign transaction feeNo minimum balanceNo overdraft feesOnline openingOverdraft protection transferSupport 24/7Zelle

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

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