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Morgan Stanley Checking Account

in Checking Accounts

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Morgan Stanley Checking Account

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in Checking Accounts

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Overview

Where does Morgan Stanley Checking Account do business?

Morgan Stanley Checking Account is a financial institution based in Salt Lake City, UT. It was founded in 1935 and offers checking accounts services in 50 states (and Washington, DC).

Morgan Stanley Checking Account is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor if a member institution fails.

What APY does Morgan Stanley offer?

Morgan Stanley Checking Account offers an APY starting at 2.7% and ranging up to 5.3% (APY stands for annual percentage yield, rates may change). This is higher than the typical APY for online-only checking accounts, which is around 1% APY.

What features and perks does Morgan Stanley Checking Account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks. Typically there is a limit to how much you can claim for these costs, so check the fine print if you plan to make multiple withdrawals within one month.
  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.
  • Mobile Banking - Morgan Stanley Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What fees does Morgan Stanley Checking Account charge?

This account charges a monthly maintenance fee of up to $12.5.

  • Outgoing domestic bank transfers come with a $25 fee.
  • Outoing international bank transfers come with a $50 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Morgan Stanley Checking Account charges $5 every time you request a paper statement.
  • Every returned deposit incurs in a $5 charge.
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Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Initial Deposit $2,500
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
Early Account Closure $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - Domestic (Incoming) $0
Monthly Fee $0 - $12.50
Paper Statement Fee $5
NSF Fee $25
Overdraft Protection Fee (per transfer) $25
Overdraft Item Fee $25
Returned Deposit Fee (Domestic) $25
Stop Payment Fee $25
Foreign Transaction Fee (Debit Card) 2%
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $50
Returned Deposit Fee (International) $25
Bank Account Features
  • ATM Reimbursement
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
APY 2.7% - 5.3%

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