You had us at “Hello.”

We know you. You’re our client. And that means something. Meet Premier Cash Management. A more rewarding way to manage your everyday finances. Access benefits, savings, and enhanced services from your Financial Advisor. And it’s only for clients, like you.

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Premier Cash Management includes exclusive savings and bonuses, identity protection, and enhanced services.

Savings & Bonuses
Identity Protection
Premium Service
Savings
& Bonuses
Unlimited ATM Fee Rebates Worldwide
Access your cash through any ATM in the MasterCard®, Maestro®, or STAR® Network and receive unlimited rebates of third-party ATM service fees.
$550 Annual Engagement Bonus for Reserved Clients
Receive this special bonus from Morgan Stanley each full year that you maintain Reserved1 client status and if you are also the Card Member2 with a Platinum Card from American Express Exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify.3
No Foreign Transaction Fees
Make debit card purchases while traveling without paying foreign transaction fees. It makes the world a little friendlier.
Identity Protection*
$1 Million Identity Theft Insurance
In the event that you become a victim of identity theft, this insurance may provide coverage for certain costs you incur—up to $1,000,000.
Child Monitoring
ChildSecure® provides monthly monitoring of all your minor children and alerts you if an Experian credit report is detected for any registered child.
Identity Theft Monitoring
If your personal information is used to open new credit cards, checking accounts, or for other financial activities, Experian® will alert you.
Premium Services
Access to Cash Management Service Professionals
In the event your Financial Advisor and their team are unavailable, you have access to knowledgeable U.S.-based service professionals in our Client Support Center who have expertise and authority to provide additional answers and solutions to your service related needs.
Complimentary Expedited Debit Card and Check Delivery
Expedited delivery of Premier Debit Card replacements and check orders are standard for Premier Cash Management clients.
Dedicated Relationship
Enjoy personalized advice and service from your Financial Advisor and their team, including integrated account management with a comprehensive view of your total finances.
Get Started
Call your Financial Advisor and their team to get started with Premier Cash Management
“I’m always on the go. Identity monitoring gives me a real sense of security wherever I travel.”

Qualifying for Premier Cash Management

Bring in or keep cash at Morgan Stanley across qualifying accounts4
Aggregate monthly direct deposit across all eligible accounts totaling at least $2,500.
or
Maintain $50,000 Average Daily Cash Balance in Sweep Money Market Funds, the Savings Program, the Bank Deposit Program or any free cash across all eligible accounts.
Use Morgan Stanley cash management services
Use any two of five (2 of 5) payment types5:
• Debit Card
• Payments on Morgan Stanley Online
• Morgan Stanley Cards from American Express
• Check Writing
• Automated Clearing House (ACH) Transfers
Repeat usage for three (3) consecutive months

See how much more you can get with Premier Cash Management

Cash Management from Morgan Stanley
Premier Cash Management from Morgan Stanley
Highlighted Features
Identity Protection including Fraud Resolution Assistance, $1M Identity Theft Insurance, & ChildSecure® 6
Waived Annual Active Asset Account and Cash Management Service Fees7
Unlimited ATM Cash Withdrawal Fee Rebates Worldwide8
No Foreign Transaction Fee for Morgan Stanley Debit Card Transactions
$550 Annual Engagement Bonus for Morgan Stanley Reserved9 Clients
Morgan Stanley Debit Card with Chip & PIN security
Morgan Stanley Payments (Online Bill Pay) and Electronic Movement of Funds
Unlimited Check Writing
Up to $500,000 FDIC Coverage through the Bank Deposit Program ($250,000 per Person, per Bank)10
All Features
Savings and Bonuses
Waived Annual Active Asset Account and Cash Management Service Fees7
$550 Annual Engagement Bonus for Morgan Stanley Reserved9 Clients
No Foreign Transaction Fee for Morgan Stanley Debit Card Transactions
Upgrade to Optional Metallic Premier Debit Card
ATM Cash Withdrawal Fee Rebates Worldwide8
Morgan Stanley Debit Card with Chip & PIN Security
Identity Protection6
Identity Theft Monitoring
Monthly Three Bureau Credit Reporting
Alerts
Fraud Resolution Assistance
Lost Wallet Service
$1M Identity Theft Insurance
ChildSecure®
Premium Service
Priority Access to Cash Management Service Professionals at Client Service Center
U.S.-Based Cash Management Service Professionals at Client Service Center
Complimentary Expedited Debit Card and Check Delivery
Other Cash Management Solutions
The Morgan Stanley Cards from American Express
Mobile Check Deposit with Daily Limits That Accommodate Most Check Amounts
Up to $500,000 FDIC Coverage through the Bank Deposit Program ($250,000 per Person, per Bank)10
Savings Program13
Direct Deposit
Morgan Stanley Payments (Online Bill Pay)
Electronic Movement of Funds
Unlimited Check Writing
Morgan Stanley Mobile App12
Morgan Stanley Online
Foreign Currency Delivery via GlobalCurrency Express14
Get Started
Call your Financial Advisor and their team to get started with Premier Cash Management