E*TRADE from Morgan Stanley vs. Jenius Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | E*TRADE from Morgan StanleyPremium Savings Account Jan 7, 2026 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.50% | 4.05% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo Minimums |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing E*TRADE from Morgan Stanley vs. Jenius Bank
As of E*TRADE from Morgan Stanley offers an APY of 3.50% for its Premium Savings Account, with a minimum balance of $0+, compared to Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $55 more than E*TRADE from Morgan Stanley on a $10,000 balance after one year. E*TRADE from Morgan Stanley pays $350, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why E*TRADE from Morgan Stanley?
- ✓Higher rated iOS app (4.7 vs 4.0)
- ✓Higher rated Android app (4.7 vs 3.6)
- ✓Fast transfers via Zelle®
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.50%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $350/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $875/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
E*TRADE from Morgan StanleyE*TRADE from Morgan Stanley offers an iOS app rated 4.7 (vs. 4.0) and Android app rated 4.7 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $55 more interest on a $10,000 balance than E*TRADE from Morgan Stanley's Premium Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers a Jenius Savings account with a competitive APY of 4.05%, making it the higher-yield option compared to E*TRADE from Morgan Stanley's Premium Savings Account, which has an APY of 3.50%. Both accounts require no minimum deposit and have no maintenance fees, but Jenius Bank stands out for its simplicity, as it does not require direct deposit or bundling. Additionally, Jenius Bank's account provides better returns on both smaller and larger deposits. Both banks operate online only and are FDIC insured.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
E*TRADE from Morgan Stanley vs. Jenius Bank Savings Calculator
You earn $55 more with Jenius Bank than E*TRADE from Morgan Stanley on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
E*TRADE from Morgan Stanley
Premium Savings Account
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | E*TRADE from Morgan Stanley | Jenius Bank |
|---|---|---|
| APY | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Premium Savings Account | Jenius Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0+ | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.7 | iOS4.0 Android3.6 |
| Zelle® Support | Available Available for Premium Savings and Checking. | Not Supported |
| BBB Rating | D- | A+ |
| Next Steps | Visit SiteVerify at E*TRADE from Morgan Stanley Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | Jenius Bank |
|---|---|---|
| Premium Savings Account | Jenius Savings | |
Current APY | 3.50% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.2 | -2.2 |
Days Since Change | 22 | 50 |
11-Month High | 4.00% | 4.50% |
11-Month Low | 3.50% | 4.05% |
Adjustments / Mo | 0.18 | 0.18 |
Volatility Score | 0.043 | 0.024 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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