COVID-19 Resource Center

Staying Connected During Uncertain Times








We are living in extraordinary and unsettling times. The novel coronavirus (COVID-19) global pandemic is still taking shape in the US.  In addition, the disruptions to the economy are causing financial markets to be unusually volatile.  To that end, we want to assure you that we are well equipped with the capital, technology and resources to be resilient and available at all times.

To help you stay informed, we've established this Resource Center to share our perspective on how COVID-19 is impacting the markets and the economy, remind you about ways to stay connected with us from your home, and answer your questions.


Stay Connected With Us  |  FAQs  |  Leadership Response  |  Insights for Investors

Stay Connected With Us


Your Morgan Stanley team can be reached at their regular phone numbers and e-mail addresses and they are ready to help. We’d like to remind you that we have Morgan Stanley Online and the Morgan Stanley Mobile App, together a powerful suite of digital tools that allows you to be informed without the need to visit our locations.

Morgan Stanley Online and the Morgan Stanley Mobile App give you 24/7 access to review your accounts, whether on a home computer or a mobile device. They are also the places where you can retrieve statements and tax documents. In addition to retrieving account information, there are many other services available through these portals:

Manage Your Everyday Finances

  • Pay Your Bills Online
    Use Online Payments to pay bills one at a time, set up recurring payments, manage payees, and view payment history.  Get started now>  See how>
  • Deposit Checks With Your Phone
    Deposit checks instantly from the safety of your own home with the Morgan Stanley Mobile App, now with higher limits.*  Learn how>
  • Send Money to Friends and Family
    Use Send Money with Zelle® within our Morgan Stanley Mobile App to send money to and receive money from your friends and family in minutes, from the safety of your own home.  All you need is their email address or phone number.  Get started> See how>
  • Set Up Direct Deposit 

    Direct Deposit eliminates the need for paper checks, providing a convenient way to deposit payroll, tax refunds and other funds conveniently and efficiently. The routing number and account number can be found on the checks associated with your account, or simply log in to Morgan Stanley Online and go to Services tab, and select your account.

Money Movement

  • Electronically Authorize Wires and Transfers
    Authorize domestic and international, one-time and recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.  Sign up now> See how>
  • Make Online Transfers
    Schedule one-time, recurring and future-dated transfers between Morgan Stanley accounts using Online Transfers. Link a verified external account to move funds to or from your Morgan Stanley account, now with higher limits.*  Get started now>  See how>
  • Withdraw Cash from ATMs 

    Access cash at any ATM with ATM fee rebates worldwide, now at higher daily limits.*

Share With Your Morgan Stanley Team

  • Share Documents
    Share critical documents, like tax forms, wills and estate plans, with your Morgan Stanley team.  Get started now> See how>
  • Sign Documents
    No more printing, faxing or mailing documents when you use your electronic signature to do business with us. See how>

Connect From Your Mobile Device

  • Stay Connected With Us From Virtually Anywhere: Stay informed and connected to your Morgan Stanley accounts with your mobile device.  Download now from the Apple Store or Google Store
  • See the Latest Features Of Our Mobile App: Watch these short videos to learn all the great things you can do from the Morgan Stanley Mobile App. Watch now>


Frequently Asked Questions


How can I access my account information?

Morgan Stanley Online and the Morgan Stanley Mobile App give you 24/7 access to review your accounts, whether on a home computer or a mobile device. They are also the places where you can retrieve statements and tax documents. More details are above in Stay Connected With Us.

What is the CARES Act and how does it impact me?

The CARES ACT is the federal $2 trillion stimulus bill signed into law on March 27th, 2020. It aims to address economic and industry impacts of the COVID-19 pandemic from a variety of perspectives, including tax relief, grants and loan assistance, healthcare and education provisions, and more. Learn more about key provisions for individuals and businesses. 

What type of scams should I look out for and how can I protect myself?

Hackers and fraudsters are increasingly using coronavirus-themed scams to entice potential victims. Here are some common scams and ways to protect yourself.

COVID-19 scams:

  • Treatment scams:  Scammers are offering to sell fake cures, vaccines and advice on unproven treatments for COVID-19.
  • Supply scams:  Scammers are creating fake shops, websites, social media accounts and email addresses claiming to sell supplies currently in high demand, such as surgical masks.
  • Provider scams:  Scammers are contacting people by phone and email, pretending to be doctors and hospitals that have treated a friend or relative for COVID-19 and demanding payment for that treatment.
  • Charity scams:  Scammers are soliciting donations for individuals, groups and areas affected by COVID-19. 
  • App scams:  Scammers are creating and manipulating mobile apps designed to track the spread of COVID-19 to insert malware that will compromise users’ devices and personal information.
  • Investment scams:  Scammers are offering online promotions on various platforms, including social media, claiming that the products or services of publicly traded companies can prevent, detect or cure COVID-19, and that the stock of these companies will dramatically increase in value as a result.
  • Tech Support scams: In a Tech Support Scam, scammers impersonating IT technicians from well-known companies initiate contact with individuals via phone call or pop-up notification on the victim's computer and proceed to convince the victim that his or her computer has been compromised by a virus.
  • Government Check scams: Scammers are calling or emailing individuals to claim their money available from a government agency and asking for an up-front payment or personal information. 

All of these scams manipulate a heightened sense of urgency, hunger for information and desire for quick solutions.1 For additional fraud prevention and cybersecurity tips, please visit our Online Security Center

What are the provisions of the annuity and insurance premium forbearance recently announced in the state of NY?

The New York Department of Financial Services (NYDFS) recently released emergency regulations to help life insurance policyholders and annuity contract holders who are impacted by the COVID-19 pandemic, such as offering payment accommodations that allow consumers to defer payments at no cost, extend payment due dates, or waive late or reinstatement fees if they are unable to make timely payments of premium or fees due to COVID-19-related disruptions. Please contact your insurer to discuss your options. For more information, access the NYDFS website at

How does the Cares Act impact my 2020 Required Minimum Distribution (RMD)?

You are required by law to take an RMD from your IRA, SIMPLE IRA, SEP IRA or qualified retirement plan, such as a 401(k), once you reach age 70 ½ (if you were born before July 1, 1949) or 72 (if you were born after June 30, 1949) (“RMD Age”).” But the Cares Act waives RMD payments for 2020, including for inherited IRAs.  Defined benefit plans do not qualify for this waiver.  Please contact a member of your Morgan Stanley team to cancel or modify any existing distribution instructions. 

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), does not provide tax advice. Individuals are urged to consult their personal tax advisors to understand the tax consequences of any actions, including any implementation of any strategies or investments described herein.

What if I have already taken my 2020 Required Minimum Distribution (RMD)?

It may be possible to repay, or rollover, an RMD distribution already made in 2020. Generally, RMDs are not eligible for rollover, but since the CARES Act waived RMDs for 2020, a distribution taken in 2020 as an RMD may be eligible for rollover. Rollovers must occur within 60-days of the IRA distribution and only one IRA distribution received by you during any 12 month period from any IRA you own may be rolled over to the same or another IRA you own. In response to COVID-19, the IRS has extended the 60-day rollover deadline to July 15, 2020, for eligible distributions if the 60-day rollover deadline would have occurred on or after April 1, 2020, and before July 15, 2020. Individuals who received a 2020 RMD distribution on or after February 1, 2020, and before May 15, 2020, now have until July 15, 2020, to complete the rollover. The rollover option is not available for distributions from inherited IRAs owned by non-spouse beneficiaries.  Please consult with your tax or legal advisor to review all your available options.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), does not provide tax advice. Individuals are urged to consult their personal tax advisors to understand the tax consequences of any actions, including any implementation of any strategies or investments described herein.






Leadership Response

How Morgan Stanley Is Supporting Communities In This Time Of Crisis


Morgan Stanley Increases COVID-19 Charitable Commitment to $25 Million

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