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E*TRADE Bank Skip to Content E*TRADE Bank Stock Plans  Contact Us Account Types Investment Choices New to Investing Trading Pricing Knowledge person Log on Open an account Account Types Overview Brokerage Brokerage Retirement Retirement Managed Portfolios Managed Portfolios Small Business Small Business Bank Bank Investment Choices Overview Stocks Stocks Futures Futures Options Options ETFs ETFs Mutual Funds Mutual Funds New to Investing Trading Overview Platforms Platforms Margin Trading Margin Trading Execution Quality Execution Quality Pricing Knowledge E*TRADE Bank Stock Plans Contact Us Clear Suggested Keywords: Account types, DRIPs, Routing number, IP, Penny stocks person Log on Open an account Press Enter to search Suggested Keywords: Account types, DRIPs, Routing number, IP, Penny stocks E*TRADE Bank Get convenient, low-fee banking that’s fully integrated with your E*TRADE account. Why bank with E*TRADE? Integrated account view Investing and savings accounts appear in the same view so you can do everything in one place Low fees Pay less for your banking, and earn competitive yields. See bank deposit rates and fees . Free Transfer Money service We make it easy to move money between your E*TRADE accounts and outside financial institutions 1 Protection, guaranteed Protect your privacy and your assets with our Complete Protection Guarantee Compare bank accounts From high-yield savings to no-fee checking, see which E*TRADE Bank account is right for you. Premium Savings Account Interest rates 17x higher than the national average 2 1.75% APY 3 No minimum monthly account fee FDIC Insured up to $1,250,000. View Details Anytime, anywhere banking with our award-winning app 4 Real-time money transfers between E*TRADE accounts 5 Open an account Learn more chevron_right Max-Rate Checking Convenient mobile and online banking with no ATM fees. 1 0.05% APY 6 $100 minimum opening deposit FDIC Insured up to $250,000. View Details Maintain an average monthly balance of $5,000 to waive the $15 monthly fee. 6 More ways to avoid fee . Free online Bill Pay service Unlimited free ATM fee refunds 7 Free Max-Rate Checking debit card Online images of cleared and deposited checks Open an account Learn more chevron_right E*TRADE Checking No monthly account fees for this non-interest-bearing account. 0% APY $100 minimum opening deposit FDIC Insured up to $250,000. View Details No minimum balance and no monthly account fee Free online Bill Pay service Unlimited debit and check transactions Free E*TRADE Checking debit card Online images of cleared and deposited checks Open an account Learn more chevron_right Need cash? Explore E*TRADE Line of Credit Unlock the power of your portfolio for cash when you need it most. 8 Borrow up to 50% of the eligible assets in your E*TRADE brokerage account 9 Avoid selling securities and disrupting your investment strategy 10 Enjoy low interest rates with flexible repayment schedules 11 Learn more     Get started  FDIC Insured Learn more Existing mortgage loan Need to access or view additional information about your existing mortgage loan? Click here chevron_right Start banking today Ready to integrate your banking and investing experience? Open an account ETRADE Footer About Us  Company Overview Investor Relations Newsroom Careers Privacy About Our Ads Accessibility at E*TRADE Service  Contact Us FAQs Forms and Applications Financial Consultants Quick Links  Open An Account Fund My Account Stock Plans Security Center E*TRADE Advisor Services Site Map Connect with us chat_bubble  Chat chat_bubble  Chat  phone 800-387-2331 location_on Find a Branch      PLEASE READ THE IMPORTANT DISCLOSURES BELOW. There are risks associated with certain industries or companies within an industry. This could cause performance to be susceptible to the economic, business, government regulation, or other developments that affect those industries. For details and important information about Transfer Money, please click here  for a listing of the limitations, restrictions and time deadlines associated with this service. The average of bank savings account rates across the country. National average for savings rates  courtesy of the FDIC, as of 11/19/2019 As of , the Annual Percentage Yield (APY) of the Premium Savings Account is 1.75% for balances of $500,000 or more, 1.75% for balances of $100,000–$499,999, 1.75% for balances of $50,000–$99,999, 1.75% for balances of $5,000–$49,999, and 1.75% for balances of less than $5,000. Rates are subject to change daily and fees may reduce earnings. No minimum initial deposit is required to open an account. However, account must be funded within 30 days to remain open. In Kiplinger's annual Best Online Brokers Review of 10 firms across seven categories, E*TRADE was awarded first place with an overall score of 82.9 out of 100 and “Best for Mutual Fund Investors.” E*TRADE’s ratings for all category rankings include: Overall (#1), User Experience (#2), Investment Choices (#2), Advisory Services (#3), Mobile (#3), Research (#4), Commissions and Fees (#6), and Tools (#7). Read the full " Best Online Brokers, 2019 " survey. With Premium Savings Account, withdrawal limits apply. Under federal regulations related to these types of accounts, account holders are allowed up to six withdrawals or transfers (for example, using Transfer Money) from their account in any calendar month. Inbound Transfer Money transactions are not subject to any limits. If transaction limitations are exceeded, we may close the account, or convert it to an E*TRADE Checking account, or remove the account's transfer and draft capacity. Funds may be transferred to another Bank account by written request signed by the account holder(s), by telephone request through Bank personnel, over the internet, or by electronic funds transfer, if you subscribe to such services. See your Account Agreement for additional details. As of , the Annual Percentage Yield (APY) of the Max-Rate Checking Account is 0.05% for balances of $50,000 or more, 0.05% for balances of $5,000 - $49,999, and 0.05% for balances of less than $5,000. Rates are subject to change daily and fees may reduce earnings. A $100 minimum deposit is required to open a new account. To avoid a $15 monthly fee, the account holder must 1) set up a direct deposit of $200 or more per month to the account, or 2) maintain an average monthly balance of at least $5,000 in the account on or after the end of the second statement cycle, or 3) maintain an average monthly balance of at least $50,000 in linked E*TRADE Bank accounts on or after the end of the second statement cycle, or 4) have a combined balance of $50,000 or more in linked E*TRADE Securities and employee stock plan accounts (including vested in-the-money options, stock option plan shares, ESPP shares, and released restricted stock) on the date the monthly fee is charged, or 5) have executed at least 30 stock or options trades during the prior calendar quarter in your linked E*TRADE Securities account(s). With Max-Rate Checking, E*TRADE Bank will not charge you a fee for withdrawing funds from any institution's ATM nationwide but the owner/operator of the ATM may. These fees will automatically be credited to your account. E*TRADE Bank does impose a charge equal to 1% of the transaction amount (including credits and reversals) for non-U.S. currency transactions. In the event E*TRADE Bank in its sole discretion determines that there has been either fraudulent or excessive use of the feature on a given account, E*TRADE Bank reserves the right to remove this feature and not refund the ATM fees. For additional information and important details about how the ATM fee refund will be applied, please visit www.etrade.com/atmrefundpolicy . The E*TRADE Line of Credit is offered by E*TRADE Savings Bank, a federal savings bank. The E*TRADE Line of Credit is subject to bank and credit approval. Eligible collateral must be maintained at E*T...