Morgan Stanley

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.

Watch this short 2 minute video to learn more about about the benefits of CashPlus. 


No Cash Management Fees1

Enjoy unlimited ATM fee rebates worldwide, and save with no cash advance fees2 and no foreign transaction fees, with the Morgan Stanley Debit Card.3


Comprehensive Protection

Get Identity and Credit Protection provided by Experian®, including Monthly 3-Bureau Credit Reports, Real-Time Credit Alerts, and more. Plus, Extended Warranty, Satisfaction Guarantee, and Price Protection from Mastercard* with the Morgan Stanley Debit Card.

Easily Manage Your Account Online

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


Get a $695 Annual Engagement Bonus

Eligible Platinum CashPlus clients can get a $695 Annual Engagement Bonus if they have The Platinum Card® from American Express Exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify7. Terms Apply.

New Exclusive Benefit for CashPlus Clients

Greenlight is a debit card and money app for families, managed by parents. Greenlight gives parents the tools to manage and monitor spending as well as pay allowance, assign chores, set savings goals, donate to charity and more.

CashPlus Brokerage Account Holders who sign up for Greenlight, will have the $4.99 monthly fee waived. Offer includes debit cards for up to 5 family members.
Learn more here.


Which Account Is Right for You?

Premier CashPlus
Platinum CashPlus
Exceptional Access & Value1
Unlimited ATM Fee Rebates Worldwide with the Morgan Stanley Debit Card
Cash access from banks or tellers that accept Mastercard
No foreign transaction fees and no cash advance fees2 with the Morgan Stanley Debit Card
$695 Annual Engagement Bonus7
None
Complimentary Greenlight Debit Card
Comprehensive Protection
Extended Warranty*, Satisfaction Guarantee*, Price Protection* with the Morgan Stanley Debit Card*
Insufficient Funds Coverage5
Complimentary Identity and Credit Protection from Experian®
Experian enrollees must be a CashPlus account owner.
Up to 2 enrollments8
Up to 4 enrollments8
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)
-and-
one Morgan Stanley Online enrollment
-and-
an eligible Morgan Stanley Investment Relationship


$5,000 monthly deposit (or Social Security deposit in any amount)
-and-
$25,000 Average Daily Cash Balance (in the Bank Deposit Program)
-and-
one Morgan Stanley Online enrollment
-and-
an eligible Morgan Stanley Investment Relationship





Monthly Account Fees (if criteria not met)

$15


$55




Get Started with a 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.

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 Amount
  • Distributions from a Morgan Stanley Retirement Account

 

A Morgan Stanley investment relationship is required to avoid a monthly fee.  What constitutes an eligible Morgan Stanley investment relationship?

Eligible investment accounts include but are not limited to: 

 

 
 
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