Morgan Stanley CashPlus: A Modern Alternative to Banking

More value and protection in one cash management account

Open Account

Access Your Cash, Anytime, Anywhere

Access your cash from banks or tellers that
accept Mastercard® and manage your cash on
the go with Morgan Stanley Online and the
Morgan Stanley Mobile App.


No Cash Management Fees1

Enjoy unlimited ATM fee rebates worldwide. Save with no cash advance fees2 and no foreign transaction fees.


Comprehensive Protection

Get identity and credit protection provided by Experian®, as well as Extended Warranty*, Satisfaction Guarantee*, and Price Protection* from Mastercard3 with the Morgan Stanley Debit Card. SIPC and FDIC coverage.4

Easily Manage Your Account Online

Manage your finances anytime, anywhere6, with online bill pay7, setting alerts, easy money movement, eAuthorizations, and access to tools to transfer and manage your cash.


Get Platinum

Platinum CashPlus clients can get a $550 Annual Engagement Bonus if they have The Platinum Card® from American Express Exclusively for
Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify8.


Which Account Is Right for You?

Premier CashPlus
Platinum CashPlus
Exceptional Access & Value1
Unlimited ATM Fee Rebates Worldwide
Cash access from banks or tellers that accept Mastercard
No foreign transaction fees and no cash advance fees2
$550 Annual Engagement Bonus8
None
Comprehensive Protection
Extended Warranty*, Satisfaction Guarantee*, and Price Protection* with the Morgan Stanley Debit Card3
Complimentary Identity and Credit Protection from Experian®
Up to 2 enrollments9
Up to 4 enrollments9
SIPC and FDIC coverage up to applicable limits4
Account Fees
Monthly Account Fee Avoidance Criteria (see additional criteria)

$2,500 monthly deposit (or Social Security deposit in any amount)
-or-
$25,000 Average
Daily Cash Balance (in the Bank Deposit Program)


$5,000 monthly deposit (or Social Security deposit in any amount)
-and-
$25,000 Average
Daily Cash Balance (in the Bank Deposit Program)


Monthly Account Fees (if criteria not met)

$15

$45



Get Started with Premier or Platinum CashPlus Account

 Or call your Morgan Stanley team to learn more.

FREQUENTLY ASKED QUESTIONS

What is a Morgan Stanley CashPlus Account?

CashPlus Accounts are brokerage accounts specifically designed for your cash management needs.


How do I establish a Direct Deposit?

To establish a direct deposit for your payroll, Social Security benefits and other recurring funds, go to "Account details + services" page or "Helpful Links", where you will find the direct deposit set up information and a downloadable PDF with the following pre-filled information:

  • Client Name
  • Routing / ABA
  • Checking account number
  • Client Address
  • Bank Address

You can then provide this form to your employer/or third party to process.


Is there a fee for the CashPlus Account?

There is no monthly account fee if the following criteria are met collectively across all CashPlus Accounts in your Account Link Group:

For a Premier CashPlus Account:

  • $2,500 in total monthly deposits OR $25,000 in Average Daily Cash Balance (in the Bank Deposit Program)
  • Additional eligible Morgan Stanley investment account
  • Morgan Stanley Online enrollment

For a Platinum CashPlus Account:

  • $5000 in total monthly deposits AND $25,000 in Average Daily Cash Balance (in the Bank Deposit Program)
  • Additional eligible Morgan Stanley investment account
  • Morgan Stanley Online enrollment

For important account information please refer to the CashPlus Account Disclosure Statement.


What deposits are eligible for total monthly deposit?

Eligible deposits consist of:

  • Direct Deposit of payroll
  • Incoming Transfers
  • Mobile Check Deposit
  • Branch Check Deposit
  • Incoming Send Money with Zelle®
  • Incoming Wire
  • Any Social Security Deposit
  • Distributions from a Morgan Stanley Retirement Account
 
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