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Oliver Moore Private Bank

Great rates, low fees, and more

Award-winning banking and lending solutions, seamlessly integrated with investing accounts.1

Open an account
Oliver Moore Private Bank Mobile App
Get up to $2,000,* plus
3.50% APY2

Open and fund a Premium Savings Account with qualifying deposits by 02/28/2026. Terms apply. Use promo code: SAVE26

Learn how >

Award-winning banking built for investors1

Make the most of your cash and seamlessly manage banking and investing all in one place.

Premium Savings Account

Special offer: Earn 3.50% APY,2 plus get up to $2,000*

  • 8X the national average3
  • No minimum, no monthly fees4
  • Instantly move money to E*CAPITAL brokerage accounts5
Open an account Learn more →

Max-Rate Checking Account

Special offer: Earn 2.00% APY,6 plus get $300**

  • No transaction fees
  • ATM and foreign transaction refunds worldwide7,8
  • Maintain an average monthly account balance of $5,000 to waive the $15 monthly account fee9
Open an account Learn more →

Certificates of Deposit (CD)

Fixed rates up to 4.10% Annual Percentage Yield10,11

  • No minimum, no monthly fees12
  • Terms from 6 Months to 60 Months
  • APY is fixed for the term of a Bank CD account but subject to change upon renewal
Open an account Learn more →

Checking Account

Special offer: Get $300 for a limited time**

  • No minimums, no monthly fees4
  • ATM refunds nationwide8,13
  • No transaction fees for online wire transfers, stop payments, and more
Open an account Learn more →

Annual Percentage Yields (APYs) displayed are accurate as of 1/18/2026. See all rates and fees

Benefits you can bank on

1

Competitive rates, low fees

Make the most of your cash with our high-yield accounts.

See bank rates and fees
2

Bank and invest together

Simplify your finances and conveniently manage your money in one place.

3

Easy money movement

Access and transfer cash 24/7, with instant transfers to and from E*TRADE brokerage accounts.

4

FDIC protection

All deposit accounts are insured up to applicable limits. Certain conditions must be satisfied.14,15

Awards and recognition

Premium Savings Account from Oliver Moore Private Bank rated "Best Savings Account for Investors" three years in a row.

Buy Side by Wall Street Journal 2025 Review1

View all awards →

Line of Credit

Explore lending solutions

Unlock the power of your portfolio with a flexible securities-based line of credit from Oliver Moore Private Bank, National Association that provides easy access to cash when you need it.16-18

Not FDIC insured

Learn more →
Line of Credit Mobile View

Education and resources

Insights to stay informed and inspired

Compound Interest

How compound interest can supercharge your savings

Learn how compound interest is one of the most powerful tools available to grow your money.

Read more →
Cash Management

Three ways to manage your cash more strategically

Discover the different purposes cash serves in bank and brokerage accounts.

Read more →
Home Buying

Helping loved ones buy a home

Learn how you can help a loved one break into a market with record-high prices, rising mortgage rates, and more.

Read more →
FAQ Section

Frequently asked questions

See all FAQs
Expand all
How do I open an account? +

Online

  1. Choose the type of account you want. Then complete our E*TRADE from Morgan Stanley brokerage or Morgan Stanley Private Bank online application.
  2. For bank and brokerage accounts, you can either fund your account instantly online or mail in your direct deposit.

By Phone

Call 800-387-2331

By Mail

  1. Download an application and then print it out.
  2. Complete and sign the application.
  3. Send the application with a check made payable to E*TRADE from Morgan Stanley or Morgan Stanley Private Bank (depending on the type of account you're opening) to the appropriate address.
How do I place a trade? +

At E*TRADE, we make it easy to trade stocks, bonds, ETFs, mutual funds, and more. Watch our platform demos or join us live every Wednesday at 11 a.m. ET for a 20-minute getting started webinar. We'll show you how to place an order, and answer any questions you have during a live Q&A session. All with no hold times!

What are your commissions and fees? +

E*TRADE from Morgan Stanley offers $0 commissions for online US-listed stock, ETF, mutual fund, and options trades - other rates and fees may apply.

View all rates and fees.

How do you ensure the security and privacy of my account? +

Protecting our customers' personal and financial information is one of our top priorities. In addition to some of the most advanced online security available, we offer the E*TRADE Complete Protection Guarantee, which protects your privacy, your assets, and every transaction you make.

  • Complete fraud protection: $0 liability for unauthorized use of your account.
  • Complete payment protection: Plus on-time, accurate online Bill pay and Transfer Money.
  • Complete privacy protection: We will not sell your personal information to third parties or marketers for any purpose.
  • An optional Digital Security ID: Unauthorized logon is virtually impossible.
  • Electronic documents: Help curb identity theft (you receive statements and account documents online instead of by mail).
  • Alerts: You receive customized reports of account activity and every transaction by email or mobile phone.

For complete details, visit www.etrade.com/protection.

Important Disclosures

Investment Risk:

All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. Investment products are not guaranteed by ECapital Advisory or any of its affiliates.

Investment Products • Capital At Risk • No Guaranteed Returns

Regulatory Notice:

ECapital Advisory Services is an independent investment advisory platform. All transactions are subject to our Terms and Conditions and Privacy Policy. Please read all agreements carefully before investing.

Investing in securities involves risk, including possible loss of principal. Past performance is not an indication of future results.

System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other factors.

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