CashPlus Brokerage Account Setup
1 The Morgan Stanley mobile app is currently available for iPhone® and iPad® on the App StoreSM and AndroidTM on Google PlayTM. Your provider’s standard messaging and data rates may apply. Subject to device connectivity.
2 Platinum CashPlus customers are eligible for the annual sign-up bonus (“Bonus”) if they 1) are a base cardholder (primary account holder) of the Platinum Card® from American Express exclusively for Morgan Stanley (the “Card”); or 2) spend at least $100,000 during the calendar year on Morgan Stanley debit cards associated with Platinum CashPlus accounts in their ALG (the “Debit Card Usage Threshold”).
Basic Card members who apply and are approved for the card will be eligible to receive a $695 bonus. Customers who qualify for the bonus by reaching the debit usage threshold are eligible to receive the $695 bonus, which is usually paid in January of the following calendar year.
Each ALG is entitled to a bonus per calendar year. Each client is only entitled to one bonus per calendar year. For more information, please refer to the CashPlus Account Disclosure Statement at https://www.morganstanley.com/wealth-disclosures/cashplusaccountdisclosurestatement.pdf
The CashPlus Account is a brokerage account offered by Morgan Stanley Smith Barney LLC. Conditions and restrictions apply. Please refer to the CashPlus Account Disclosure Statement for further details at https://www.morganstanley.com/wealth-disclosures/cashplusaccountdisclosurestatement.pdf
The Morgan Stanley Debit Card is issued by Morgan Stanley Private Bank, National Association pursuant to license by Mastercard International Incorporated. Mastercard and Maestro are registered trademarks of Mastercard International Incorporated. Third-party trademarks and service marks contained herein are the property of their respective owners. Investments and services offered by Morgan Stanley Smith Barney LLC, Member SIPC.
Electronic payments arrive at the beneficiary within 1-2 business days, check payments arrive at the beneficiary within 5 business days. Same-day and next-day payments are available for an additional fee within the available payment times.
Sending Money with Zelle® is available on the Morgan Stanley mobile app for iPhone and Android and on Morgan Stanley Online. Registration is required and dollar and frequency limits may apply. Domestic fund transfers must be made from an eligible account at Morgan Stanley Smith Barney LLC (Morgan Stanley) to a US-based account at another financial institution. Morgan Stanley maintains agreements with JP Morgan Chase Bank, NA and UMB Bank, NA as NACHA participating depository financial institutions for processing transfers with Zelle®. Data connection required, and messaging and data charges may apply, including those from your communications service provider. Transactions usually happen within minutes. To receive money in minutes, the recipient’s email address or US mobile number must already be registered with Zelle®. See the Send Money with Zelle® Terms for details.
Zelle® and Zelle® related marks are the exclusive property of Early Warning Services, LLC and are used herein under license. Morgan Stanley is not affiliated with Zelle®.
The Platinum Card® from American Express exclusively for Morgan Stanley is only available to customers who have an eligible Morgan Stanley Smith Barney LLC brokerage account (“Eligible Account”). A “qualifying account” is a brokerage account (i) held in your name, (ii) held by a trust of which you are both settlor and trustee, or (iii) held as the beneficial owner of a personal holding company. , a non-operating limited liability company, non-operating limited partnership or similar legal entity. American Express will only issue the American Express Platinum Card® exclusively for Morgan Stanley to (1) an eligible Morgan Stanley customer who is an individual; and (2) an individual associated with an Eligible Morgan Stanley Customer (if the Eligible Morgan Stanley Customer itself is not an individual). Eligibility is subject to change. American Express may cancel your Card Account and your participation in this Program if you do not have an eligible Morgan Stanley brokerage account.
The American Express Platinum Card® exclusively for Morgan Stanley is issued by American Express National Bank, not Morgan Stanley Smith Barney LLC. Card services and rewards are provided by Morgan Stanley Smith Barney LLC, American Express or other third parties. Restrictions and other limitations apply. See card terms and conditions for details. Clients are requested to consider fully before applying. Morgan Stanley, its affiliates, and Morgan Stanley Financial advisers and employees are not intended to provide tax or legal advice. Clients should discuss with their tax advisor the potential tax implications of the Rewards Program based on their particular circumstances.
American Express may share your card account information with Morgan Stanley as part of Morgan Stanley’s programs and services. For more information on how Morgan Stanley will use your card account data, please visit https://www.morganstanley.com/wealth/investmentsolutions/pdfs/adv/mssb_privacynotice.pdf.
The Platinum Card® from American Express Exclusively for Morgan Stanley is issued by American Express National Bank.
©2022 American Express National Bank.
The Greenlight App and Debit Card are provided by Greenlight Financial Technologies, not Morgan Stanley or any of its affiliates. Morgan Stanley has entered into a benchmark partnership with Greenlight Technology Inc., the program manager for the Greenlight Card and associated mobile application. Greenlight charges a usage fee of $4.99 per month. Morgan Stanley will reimburse this $4.99 monthly fee to Greenlight on your behalf for one Greenlight account (up to five minors under 18) as long as the following conditions are met:
i) Register for Greenlight using the registration link on Morgan Stanley Online or Mobile;
ii) Sign up for the Greenlight Standard Plan (currently $4.99/month (subject to change). Greenlight + Invest and Greenlight Max or any other current and future products are excluded from this offer; and
iii) Link a CashPlus account for Greenlight debit card funding.
Limited to one free Greenlight registration per CashPlus ALG.
This fee waiver only applies while you are funding the Greenlight Debit Card from your CashPlus account. Other Morgan Stanley accounts are not eligible for this offer and the Greenlight usage fee will no longer be waived if you close the associated CashPlus account or change the Greenlight debit card funding source to any other type of account, including another non-CashPlus Morgan Stanley. Type of account.
Please review the Greenlight Terms and Conditions and other applicable fees for the service on Greenlightcard.com before registering (these terms may be changed at any time). Only monthly usage fees are waived. You are responsible for all other charges associated with using the Greenlight Service.
©2022 Greenlight Financial Technology, Inc. Patents pending. The Greenlight Card is issued by Community Federal Savings Bank, Member FDIC, pursuant to license from Mastercard International. Messages and data rates may be applied.
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 agreements with banks and other third parties to help provide certain banking products and services.
©2022 Morgan Stanley Smith Barney LLC. SIPC member.
The investment, insurance and annuity products offered by Morgan Stanley Smith Barney LLC are: NON-FDIC ASSURED | MAY LOSE VALUE | NO BANK GUARANTEE | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY