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 Dedicated
Cash Management Specialists
In the event your Financial Advisor and their team are unavailable, you have access to dedicated Cash Management Specialists in our Client Support Center 24 hours a day, 7 days a week 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

Clients with Direct Deposit qualify by meeting the requirements outlined below for 1 month:
Monthly Direct Deposit across all eligible accounts totaling a minimum of $2,500.
AND
A minimum of 5 transactions from any of the following:
• Debit Card
• ACH
• Check
• Mobile Deposits
• Zelle®
• Bill Pay
• Morgan Stanley American Express Cards activity will collectively count as just one single transaction towards the qualification of the primary cardholder.
OR
Clients without Direct Deposit also qualify for Premier by maintaining a $50,000
average daily cash balance and 20 transactions over 3 consecutive months.
Once in the Premier Cash Management program, you will enjoy automatic annual renewal with no
interruption in benefits, as long as you continue to maintain your Premier status as indicated above.
Clients with Direct Deposit qualify by meeting the requirements outlined below for 1 month:
Monthly Direct Deposit across all eligible accounts totaling a minimum of $2,500.
AND
A minimum of 5 transactions from any of the following:
• Debit Card
• ACH
• Check
• Mobile Deposits
• Zelle®
• Bill Pay
• Morgan Stanley American Express Cards usage will only count as 1 transaction.
OR
Clients without Direct Deposit also qualify for Premier by maintaining a $50,000 average daily cash balance and 20 transactions over 3 consecutive months.
Once in the Premier Cash Management program, you will enjoy automatic annual renewal with no interruption in benefits, as long as you continue to maintain your Premier status as indicated above.

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® 3
Waived Annual Active Asset Account and Cash Management Service Fees4
Unlimited ATM Cash Withdrawal Fee Rebates Worldwide5
No Foreign Transaction Fee for Morgan Stanley Debit Card Transactions
$550 Annual Engagement Bonus for Morgan Stanley Reserved6 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)7
All Features
Savings and Bonuses
Waived Annual Active Asset Account and Cash Management Service Fees4
$550 Annual Engagement Bonus for Morgan Stanley Reserved6 Clients
No Foreign Transaction Fee for Morgan Stanley Debit Card Transactions
Upgrade to Optional Metallic Premier Debit Card
ATM Cash Withdrawal Fee Rebates Worldwide5
Morgan Stanley Debit Card with Chip & PIN Security
Identity Protection3
Identity Theft Monitoring
Monthly Three Bureau Credit Reporting
Alerts
Fraud Resolution Assistance
Lost Wallet Service
$1M Identity Theft Insurance
ChildSecure®
Premium Service
Access to Dedicated Cash Management Specialists 24 hours a day
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)7
Direct Deposit
Morgan Stanley Payments (Online Bill Pay)
Electronic Movement of Funds
Unlimited Check Writing
Morgan Stanley Mobile App9
Morgan Stanley Online
Foreign Currency Delivery via GlobalCurrency Express10
Get Started
Call your Financial Advisor and their team to get started with Premier Cash Management
Morgan Stanley Wealth Management's Cash Management and Digital Platform Support Contact Centers have been recognized by J.D. Power for providing
"An Outstanding Customer Service Experience"
for the Live Phone Channel.