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rokerage accounts are ineligible this offer is only eligible to one new opened and funded premium savings account psa within thirty 30 days excludes non u s residents and residents of any jurisdiction where this offer is not valid customer may only be enrolled in one psa offer at a time cannot be combined with any other psa offers each customer is limited to a lifetime maximum of two new psa cash bonus offers offer may be removed at any time other restrictions may apply offer rules for all participants 1 open account open one new premium savings account between 01 02 2026 and 02 28 2026 no minimum initial deposit is required to open an account however the account must be funded within thirty 30 days to remain open 2 deposit funds deposit a minimum of 20 000 or more in net new funds over the first thirty 30 days following account opening deposit period at the end of the deposit period all net new funds will be totaled to determine which deposit tier you have satisfied see below net new funds do not include any deposits transferred from accounts provided by us e g checking max rate checking or any of our affiliates bonus chart deposit tier minimum maintenance balance cash credit tier 20 000 49 999 20 000 300 50 000 74 999 50 000 750 75 000 99 999 75 000 1 000 100 000 199 999 100 000 1 500 200 000 or more 200 000 2 000 3 maintain balance maintain an average daily balance in your enrolled premium savings account that meets the minimum maintenance balance of the deposit tier you have satisfied in step 2 the average daily balance calculation will begin from day thirty 30 of account opening and will end forty five 45 days following maintenance period 4 receive bonus after the requirements are satisfied we will deposit the bonus within thirty 30 days following the end of the maintenance period the bonus will correspond to the cash credit tier for which you qualify based on the amount deposited during the deposit period and maintained during the maintenance period if the deposit tier is higher than what is maintained over the maintenance period or vice versa you will qualify for the lower cash credit tier please see below for an example example please see below for an example of how you can earn a cash bonus you open your premium savings account between 01 02 2026 and 02 28 2026 within thirty 30 days of account opening the deposit period you deposit 50 000 74 999 in net new funds for the forty five 45 days immediately following the deposit period the maintenance period you maintain an average daily balance of at least 50 000 the successful completion of steps 1 2 and 3 qualify you for a cash credit of 750 however let s say your average daily balance during the maintenance period drops between 20 000 49 999 in this case you would only receive 300 notwithstanding your 50 000 deposit during the deposit period the applicable cash credit tier will be determined following the close of the maintenance period and will be paid out within thirty 30 days after the maintenance period or one hundred and five 105 days following account opening cash credits will be paid to the account where the deposit is made net new funds are funds that originate from outside of the bank into the premium savings account minus any funds withdrawn from the premium savings account and sent out of the bank this includes funds deposited from accounts that are external to us and all our affiliates i e transfers from another bank account net new funds do not include any deposits transferred from accounts provided by us e g checking max rate checking or any of our affiliates bonus payment you must keep your account open and in good standing to receive the bonus if your account is in default restricted or closed for any reason prior to such time including being closed by us you may not be eligible for the bonus if we determine in our sole discretion that you have violated the morgan stanley private bank national association deposit account agreement or have engaged in abuse misuse or gaming in connection with your account we may determine that you are not eligible for the cash bonus in such circumstance we may rescind or decline to award you the cash bonus we reserve the right to modify or revoke this cash bonus offer at any time without notice if you are not eligible or are deemed to be disqualified from receiving the bonus we will notify you within one hundred and five 105 days of account opening morgan stanley private bank national association member fdic reserves the right in accordance with applicable laws to terminate this offer at any time and to rescind or decline award payment for any reason cash bonuses are treated as interest income for us tax purposes and will be reported on irs form 1099 int and may be subject to 24 backup withholding if your account is not properly documented with a valid form w 9 taxes related to cash bonuses are the customer s responsibility mspbna and its affiliates do not provide tax advice and you should always consult your own tax advisor regarding your personal circumstances before taking any action that may have tax consequences offer valid for new e trade clients opening one new eligible brokerage non retirement account and funded within 60 days of account opening with 1000 or more promo code offer25 new clients opening only one account this offer applies to clients who i are opening one new e trade from morgan stanley self directed brokerage non retirement account e trade account ii do not have an existing e trade account and iii do not open any other new e trade accounts for 60 days after enrollment in this offer if you are an existing client or plan to open more than one e trade account then please refer to the existing clients or new clients opening more than one new account terms below cash credits will be granted based on deposits of new funds or securities from external accounts made within 60 calendar days of account opening reward tiers under 200 000 1 000 4 999 5 000 19 999 20 000 99 999 100 000 199 999 will be paid within seven business days following the expiration of the 60 day period however if you deposit 200 000 or more in the new e trade account then you will receive your cash credit within seven business days after the date of your deposit followed by any additional reward owed based on your fulfillment tier at the expiration of the 60 day period if you have deposited at least 200 000 in the new e trade account and you make subsequent deposits in that new e trade account to reach a higher tier then you will receive a second cash credit following the close of the 60 day window for example if you deposit 250 000 into your new e trade account then you will receive a cash credit of 800 within seven business days after the date of your deposit then if you deposit an additional 300 000 into your new e trade account then you will receive an additional cash credit of 200 at the end of the 60 day window for a total reward of 1 000 if you deposit 5 000 000 in your new e trade account then you will receive two cash credits that will total 10 000 within seven business days after the date of your deposit cash credits will be paid to the new e trade account where the deposit is made existing clients or new clients opening more than one new account existing clients or new clients opening more than one account are subject to different offer terms please click here to view offer terms offer rules for all participants this offer applies only to e trade from morgan stanley self directed non retirement brokerage accounts new funds or securities must i be deposited or transferred to the new e trade account within 60 days of enrollment in this offer ii be from accounts outside of e trade and iii remain in the new e trade account minus any trading losses for a minimum of twelve months after the 60 day funding period otherwise your cash credit s may be surrendered for purposes of the value of a deposit any securities transferred will be valued as of the closing price of that security on the business day the deposit is received as reflected in the transaction history removing any deposit or cash from the new e trade account or eligible linked account s during the promotion period 60 days may result in a lower reward amount or loss of reward any assets transferred to the new e trade account from an existing morgan stanley aaa brokerage account s will be excluded from the reward amount calculations at e trade s sole discretion if you are attempting to enroll in this offer with a joint account then the primary account holder may have to fulfill at the tiers noted before the secondary account holder can enroll in this offer if you experience any issues when attempting to enroll with a joint account then please contact us at 800 387 2331 and we will be able to assist you with your enrollment offer limitations this offer is valid for one new e trade self directed brokerage non retirement account and funded within 60 days with a qualifying deposit the following account types may be excluded from this offer any business incorporated or unincorporated accounts retirement accounts advisory accounts e trade futures accounts morgan stanley aaa brokerage accounts morgan stanley at work stock plan account s morgan stanley private bank national association accounts excluded accounts this offer excludes non u s residents and residents of any jurisdiction where this offer is not valid you must be the original recipient of this offer to enroll clients may only be enrolled in one offer at a time this offer cannot be combined with any other offers each client is limited to a maximum of three new account offers e trade reserves the right to terminate this offer at any time e trade credits and offers may be subject to us withholding taxes and reporting at retail value taxes related to these credits and offer are the customer s responsibility cash credits for individual retirement accounts are treated as earnings for tax purposes e trade does not provide tax advice morgan stanley smith barney llc does not provide tax advice and you should always consult your own tax advisor regarding your personal circumstances before taking any action that may have tax consequences this offer neither is nor should be construed as a recommendation or solicitation to buy sell or hold any security financial product or instrument or to open a particular account or engage in any specific investment strategy securities products offered by morgan stanley smith barney llc member sipc e trade is a business of morgan stanley e trade from morgan stanley e trade charges 0 commissions for online us listed stock etf mutual fund and options trades exclusions may apply and e trade reserves the right to charge variable commission rates the standard options contract fee is 0 65 per contract or 0 50 per contract for clients who execute at least 30 stock etf and options trades per quarter the retail online 0 commission does not apply to over the counter otc securities transactions foreign stock transactions large block transactions requiring special handling futures or fixed income investments service charges apply for trades placed through a broker 25 stock plan account transactions are subject to a separate commission schedule all fees and expenses as described in a fund s prospectus still apply additional regulatory and exchange fees may apply for more information about pricing visit etrade com pricing each futures trade is 1 50 per side per contract plus exchange fees excluding cryptocurrency futures trades which are 2 50 per side per contract plus exchange fees in addition to the per contract per side commission futures customers may be assessed additional fees including applicable futures exchange and national futures association fees as well as brokerage charges for execution of non electronically traded futures and futures options contracts these fees are not established by e trade futures llc e trade futures and will vary by exchange e trade futures may participate in u s futures exchange rebate programs pursuant to which e trade futures may receive remuneration based on the quantity or volume of orders submitted or trades executed by e trade futures customers on such exchanges pricing applies to online secondary market trades includes agency bonds corporate bonds municipal bonds brokered cds pass thrus cmos and asset backed securities other fees and commissions may apply to other fixed income trades click here for full details e trade from morgan stanley may act as principal or agent on any fixed income transaction when acting as principal we will add a markup to any purchase and subtract a markdown from every sale we may make money or lose money on a transaction where we act as principal depending on a variety of factors the markup or markdown will be included in the price quoted to you and you will not be charged any commission or transaction fee for a principal trade agency trades are subject to a commission as stated in our published commission schedule other fees and commissions apply to other fixed income trades click here for full details as of the annual percentage yield apy of the premium savings account offered by morgan stanley private bank national association is your interest rate and apy may change at any time and fees may reduce earnings please visit etrade com ratesheet for information regarding this account s current interest rate and corresponding apy as of the annual percentage yield apy of the max rate checking account is your interest rate and apy may change at any time and fees may reduce earnings please visit etrade com ratesheet for information regarding this account s current interest rate and corresponding apy the 15 monthly account fee can be waived when you maintain an average monthly balance of at least 5 000 in the account on or after the end of the second calendar month from opening the account in 2025 the premium savings account from morgan stanley private bank rated best savings account for investors 2025 by buy side from wall street journal to choose buy side from wsj s best high yield savings accounts wsj considered the following factors accounts offering the highest annual percentage yields apys on deposited funds accounts without monthly maintenance fees or with easily waivable fees and prioritized accounts without high balance and deposit requirements over those with high minimums though in some cases apys are competitive enough to justify high minimums accessibility user friendliness of banking platforms and the customer reputations of the banking institutions that offer these accounts reprinted with permission by dow jones company inc securities products and investment advisory services offered by morgan stanley smith barney llc member sipc and a registered investment adviser commodity futures and options on futures products and services offered by e trade futures llc member nfa stock plan administration solutions and services offered...