Our Accounts

You probably know E*CAPITAL for trading. After all, it's in our name. But we offer so much more than that. Whether you want to seize opportunities in the markets, plan and invest for your long-term goals, or experience our award-winning banking, we have accounts for you—all in one convenient, integrated place.

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Individual Brokerage

Trade on your own terms

A flexible account for buying and selling a wide range of investments with no account minimums or inactivity fees.

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Traditional IRA

Tax-advantaged retirement savings

Contribute pre-tax dollars and let your investments grow tax-deferred until retirement.

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Brokerage Accounts

Self-directed accounts for active traders and investors

Individual Brokerage

Trade on your own terms

A flexible account for buying and selling a wide range of investments with no account minimums or inactivity fees.

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Joint Brokerage

Invest together

Share ownership and management of investments with another person.

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Retirement Accounts

Tax-advantaged accounts to help you save for the future

Traditional IRA

Tax-deferred growth

Contribute pre-tax dollars and let your investments grow tax-deferred until retirement.

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Roth IRA

Tax-free withdrawals

Contribute after-tax dollars for potentially tax-free growth and withdrawals in retirement.

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Managed Portfolios

A range of managed portfolios to help meet your needs - choose from our fully managed accounts or our automated investment portfolios.

Core Portfolios

Automated investment management

Get a diversified portfolio that's monitored and managed for a low annual advisory fee of 0.30% and $500 minimum.

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Financial Advisors

Bring your future into focus

Eligible clients can get a goals-based plan and investing guidance from a Financial Advisor.

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Small Business Retirement

Retirement plans designed for small business owners and their employees

SEP IRA

For self-employed and small businesses

Simplified retirement plan with higher contribution limits and flexible funding options.

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Solo 401(k)

Maximum retirement savings

Retirement plan for self-employed individuals with no employees, offering high contribution limits.

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Banking Services

Award-winning banking products to complement your investment accounts

Premium Savings Account

Competitive rates with no fees

Earn competitive interest on your savings with no monthly fees or minimum balance requirements.

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Max-Rate Checking

Banking that works harder

High-yield checking account with no monthly maintenance fees and no minimum balance.

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Frequently asked questions

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How do I open an account? +

Online

Choose the type of account you want. Then complete our E*TRADE from Morgan Stanley brokerage or Morgan Stanley Private Bank online application.
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

Download an application and then print it out.
Complete and sign the application.
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.