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. Save with no cash advance fees2 and no foreign transaction fees.


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 Mastercard3 with the Morgan Stanley Debit Card.

Easily Manage Your Account Online

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


Get a $550 Annual Engagement Bonus

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*, Price Protection* with the Morgan Stanley Debit Card*
Insufficient Funds Coverage5
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 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: 

  • AAA Account 
  • Self-Directed Brokerage Accounts 
  • Morgan Stanley Access Investing Account 
  • Discretionary/Non-discretionary Advisory Account or program through Morgan Stanley's Advisory Program 

Retirement Plan accounts including IRAs and 529 Accounts are currently not eligible. 

 
 
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