Morgan Stanley Private BankSavings accountChecked Oct 10, 2026Updated
Morgan Stanley Private Premium Savings Account
- A year on $10,000
- $0 after fees
- Monthly fee
- No monthly fee
- To open
- No minimum to open
- On our list
- #213 of 234 savings accounts, by a year’s value on $10,000
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.00% | $0 |
| $5,000 | 0.00% | $0 |
| $10,000 | 0.00% | $0 |
| $25,000 | 0.00% | $0 |
| $50,000 | 0.00% | $0 |
| $100,000 | 0.00% | $0 |
Bonuses
$800For new customers · ends January 10, 2027
Open and fund a new Premium Savings Account using promo code SAVE800, deposit at least $20,000 of qualifying new money within the first 30 days of account opening, and maintain your balance for 45 additional days after the 30-day funding period ends.
Rate conditions
- Balance needed for the APY
- $0Source · checked Oct 10, 2026
- To earn the APY
- open a new Premium Savings Account from Morgan Stanley Private Bank, National Association, Member FDIC, by the 1/10/2027 offer expiration date
- Open and fund a new Premium Savings Account with qualifying deposits by 1/10/2027.
- APY paid on balances up to
- $10,000,000Source · checked Oct 10, 2026
- Promotional rate lasts
- 6 monthsSource · checked Oct 10, 2026
- APY after the promotion
- 3.75%Source · 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
- $25Source · checked Oct 10, 2026
- Out-of-network 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
- $25Source · checked Oct 10, 2026
Who can open it
- Where
- Anywhere in the USSource · checked Oct 10, 2026
Features
Extended deposit insuranceInstant external transfersInterest bearingJoint accountsNo minimum balanceOnline openingSupport 24/7
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money