E*TRADE Checking (Max-Rate) review — rated 4.2/5 from 1,520 reviews. Best for investors who want banking + brokerage in one place.
Integrated checking for E*TRADE brokerage customers. E*TRADE Checking (Max-Rate) is offered by Morgan Stanley Private Bank, N.A. and currently holds an average rating of 4.2 out of 5 across 1,520 user reviews. It falls into the Checking category and tends to be the strongest fit for investors who want banking + brokerage in one place.
Editorial grade: B+ (composite score 78/100).
Monthly fee: $0–$15/month (waivable). Minimum to open: $0. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). We open and fund every account to verify rates, check transfer speeds, and test the mobile app on both iOS and Android. For this review of E*TRADE Checking (Max-Rate), our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Checking shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.