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.
Premier Cash Management includes exclusive savings and bonuses, identity protection, and enhanced services.
Savings & Bonuses
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.
1To qualify for Reserved, a client’s household must have and maintain a minimum of $1,000,000 in eligible assets and liabilities or have paid at least $10,000 in managed fees/commissions. For more information about qualifying for Reserved status, contact your Morgan Stanley Financial Advisor. 2 Only Basic Card Members holding the Platinum Card from American Express Exclusively for Morgan Stanley who are members of Reserved households will receive an annual $550 Engagement Bonus from Morgan Stanley. The Basic Card Member is defined as the primary account holder. 3You may be eligible to receive the Annual Engagement Bonus if you are the cardholder of one or more Morgan Stanley Debit Card(s) with your aggregate debit card spend across eligible accounts totaling at least $100,000 during the calendar year. Limit one (1) Annual Engagement Bonus per qualifying client per calendar year. For more information please see Premier Cash Management Terms & Conditions.
$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.
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.
*Morgan Stanley Premier Protection benefits are provided by Experian. Morgan Stanley Premier Protection includes identity theft monitoring, email and text alerts, $1 million identity theft insurance, fraud resolution assistance, lost wallet service, and three bureau credit reporting. Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
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.
Enjoy personalized advice and service from your Financial Advisor and their team, including integrated account management with a comprehensive view of your total finances.
5 Applies to Active Assets Account only; two separate payment types needed monthly—repeat uses of one payment type does not qualify.
6 Morgan Stanley Premier Protection benefits are provided by Experian®. Benefits include identify theft monitoring, email and text alerts, $1 million identity theft insurance, fraud resolution assistance, lost wallet service, and three bureau credit reporting.
Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG). The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
7 Only one Active Assets Account that is designated as the primary account through which cash management activity is conducted. Cash management service fees waived include wire transfers, stop payments, and overnight check disbursements.
8 Reserved clients are eligible for unlimited ATM fee rebates and Non-Reserved clients are eligible for up to $200 in ATM fee rebates per calendar year.
9 To qualify for Reserved, a client’s household must have and maintain a minimum of $1,000,000 in eligible assets and liabilities or have paid at least $10,000 in managed fees/commissions. For more information about qualifying for Reserved status, contact your Morgan Stanley Financial Advisor. Only Basic Card Members holding the Platinum Card from American Express Exclusively for Morgan Stanley who are members of Reserved households will receive an annual $550 Engagement Bonus from Morgan Stanley. The Basic Card Member is defined as the primary account holder.
10 Under the Bank Deposit Program, cash balances held in account(s) at Morgan Stanley Smith Barney LLC are automatically deposited into an interest bearing FDIC‐insured deposit account(s), at Morgan Stanley Bank, N.A. and/or Morgan Stanley Private Bank, National Association, each a national bank, Member FDIC, and an affiliate of Morgan Stanley Smith Barney LLC. Detailed information on federal deposit insurance coverage is available on the FDIC’s website.
11 Standard clients capped at $200 a year. Reserved clients are not capped.
12 The Morgan Stanley Mobile App is currently available for iPhone® and iPad® from the App StoreSM and Android™ on Google Play™. Standard messaging and data rates from your provider may apply.
13 Under the Savings Program (“Savings”), Morgan Stanley Smith Barney LLC makes available interest-bearing FDIC insured deposit accounts(s) at either Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A., each a national bank, Member FDIC, and an affiliate of Morgan Stanley Smith Barney LLC, as selected by the client. Deposits placed in Savings are eligible for FDIC insurance up to $250,000 (including principal and interest) per depositor, per each bank selected by the client for all deposits held in the same insurable capacity (the Maximum Applicable Deposit Insurance Amount). All deposits per bank held in the same insurable capacity will be aggregated for purposes of the Maximum Applicable Deposit Insurance Amount, including deposits maintained through the Bank Deposit Program. You are responsible for monitoring the total amount held with each bank. Each bank also reserves the right to offer promotional rates from time to time. Detailed information on federal deposit insurance coverage is available on the FDIC’s website (https://www.fdic.gov/deposit/deposits/). The Savings program is not intended for clients who need to have frequent access to funds and those funds will not be automatically accessed to reduce a debit or margin loan in your brokerage account. Withdrawals from an account in Savings are limited to 10 transactions per calendar month, and any withdrawal or transfer over the limit in any one calendar month will be subject to an excess withdrawal fee.
14 GlobalCurrency Express is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. The specific foreign currencies available through the GlobalCurrency Express program can be funded using U.S. Dollars (“USD”) from a client’s eligible brokerage account. However, the Euro, British Pound, Canadian Dollar, Swiss Franc, Japanese Yen, Australian Dollar, New Zealand Dollar, Mexican Peso, Norwegian Krone, and Danish Krone can also be funded using local currency from a client’s GlobalCurrency Savings Deposits held at Morgan Stanley Private Bank, National Association, Member FDIC. To place an order for GlobalCurrency Express, clients can call the client service center at 800-869-3326 between 8:00 a.m. and 2:00 p.m. ET, Monday through Friday. Minimum order is $250 USD equivalent; maximum order is $5,000 USD equivalent per individual client, per 24-hour period. No more than two orders may be placed in a 7 calendar day period. Once submitted, GlobalCurrency Express orders cannot be cancelled or returned. Any unused physical foreign currency delivered to the client pursuant to a GlobalCurrency Express order cannot be returned for deposit. Additional eligibility restrictions and conditions apply. Clients placing a GlobalCurrency Express order will be charged a fee. The fee charged for GlobalCurrency Express orders using local currency will be deducted from the foreign currency delivered. While GlobalCurrency Express orders using USD will typically be charged a higher fee, which is included in the exchange rate quoted at the time of the order. In connection with Morgan Stanley Smith Barney LLC’s Global Currency program, GlobalCurrency Time and Savings Deposits are held at Morgan Stanley Private Bank, National Association, and are insured up to U.S. Dollar equivalent limits. FDIC insurance does not protect against losses due to exchange rate movements. For more information about FDIC insurance, please visit the FDIC’s website. Clients can review the GlobalCurrency Disclosure Statement for information on the GlobalCurrency program.
The Active Assets Account is a brokerage account offered through Morgan Stanley Smith Barney LLC.
The Morgan Stanley Debit Card is currently issued by UMB Bank, n.a., pursuant to a license from MasterCard International Incorporated. MasterCard and Maestro are registered trademarks of MasterCard International Incorporated. The third-party trademarks and service marks contained herein are the property of their respective owners.
The Morgan Stanley Credit Card from American Express or the Platinum Card® from American Express exclusively for Morgan Stanley is only available for clients who have an eligible Morgan Stanley Smith Barney LLC brokerage account (“eligible account”). Eligible account means a Morgan Stanley Smith Barney LLC brokerage account held in your name or in the name of a revocable trust where the client is the grantor and trustee, except for the following accounts: Charitable Remainder Annuity Trusts, Charitable Remainder Unitrusts, irrevocable trusts and employer-sponsored accounts. Eligibility is subject to change. American Express may cancel your Card Account and participation in this program, if you do not maintain an eligible account. Morgan Stanley Smith Barney LLC may compensate your Financial Advisor and other employees in connection with your acquisition or use of either the Morgan Stanley Credit Card from American Express or the Platinum Card® from American Express exclusively for Morgan Stanley. The Morgan Stanley Cards from American Express are issued by American Express Bank, FSB, not Morgan Stanley Smith Barney LLC. Services and rewards for the Cards are provided by Morgan Stanley Smith Barney LLC, American Express or other third parties. Restrictions and other limitations apply. See the terms and conditions for the Cards for details. Clients are urged to review fully before applying.
Premier Cash Management is an incentive program that recognizes and rewards clients for choosing Morgan Stanley for their everyday cash management needs. Clients must meet certain criteria in order to qualify for the Premier Cash Management program, and Morgan Stanley Smith Barney LLC reserves the right to change or terminate the program at any time and without notice. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with affiliated and non-affiliated parties to assist in offering certain products and services related to Premier Cash Management. Please refer to the Premier Cash Management Terms and Conditions for further details.
J.D. Power 2017 Certified Contact Center ProgramSM recognition is based on successful completion of an audit and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit www.jdpower.com/ccc.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY