Max-Rate Checking (opened at E*TRADE)
- Bonus
- $400
- To qualify
- 2 direct deposits of $1,500+ each ($3,000 total) within 90 days
- What counts as a direct deposit
- Real payroll, pension or government benefit deposits. Transfers from your other bank accounts, Zelle and Venmo don't count. More
- Who can open it
- Anyone in the US, online
- Monthly fee
- None
- When the bonus is paid
- 90 to 120 days after you open the account
- Keep it open
- Until the bonus posts. Morgan Stanley Private Bank's offer only requires the account to be open when the bonus pays. If there's no monthly fee, keeping it a few months is the safe choice.
- Past customers
- Not eligible if you got a Morgan Stanley Private Bank checking bonus in the last 12 months
- Open by
- January 10, 2027
- Promo code
- Required. Your plan shows it.
Good to know: Paid around day 120. Not for anyone with this bank's checking in the last 12 months. The bank can refuse the bonus if the account looks unused, so pay a bill or two from it.
Open to U.S. residents in every state.
Checked against Morgan Stanley Private Bank's own terms on October 23, 2026.