E*TRADE from Morgan Stanley vs. Pibank
Comparing E*TRADE from Morgan Stanley and Pibank for high-yield savings: E*TRADE from Morgan Stanley's Premium Savings Account pays 3.25% APY while Pibank's Pibank Savings pays 4.40% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $115 more than E*TRADE from Morgan Stanley annually ($440 vs $325).
Choose E*TRADE from Morgan Stanley if mobile app quality matters, or you want Zelle for quick transfers. Choose Pibank if getting the best rate matters most, or BBB rating matters to you.
| Metric | E*TRADE from Morgan StanleyPremium Savings Account May 8, 2026 | PibankPibank Savings May 8, 2026 |
|---|---|---|
| APY | 3.25% | 4.40% |
Est. Earnings | $5,000+$163 $10,000+$325 $25,000+$813 | $5,000+$220 $10,000+$440 $25,000+$1,100 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsDaily CompoundingStable Rate |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing E*TRADE from Morgan Stanley vs. Pibank
Executive Summary
Pibank offers a superior savings option with its Pibank Savings account, boasting an APY of 4.40%. This account is online-only and requires a minimum balance of just $0.01, with no maintenance fees or direct deposit requirements. In contrast, E*TRADE from Morgan Stanley provides a Premium Savings Account with a lower APY of 3.25%. While E*TRADE excels in mobile app experience, Pibank stands out for its higher returns and simplicity, making it a more attractive choice for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why E*TRADE from Morgan Stanley?
- ✓Higher rated iOS app (4.7 vs 2.2)
- ✓Higher rated Android app (4.6 vs 1.8)
- ✓Fast transfers via Zelle®
Why Pibank?
- ✓Higher potential APY (4.40% vs 3.25%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $440 vs $325/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1100 vs $813/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.40% 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. 2.2) and Android app rated 4.6 (vs. 1.8)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $115 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.
Non-sponsored link to official site
Non-sponsored link to official site
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E*TRADE from Morgan Stanley vs. Pibank Savings Calculator
You earn $115 more with Pibank 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+$325.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,325.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$440.00(4.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,440.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $324 per year in interest.
Both E*TRADE from Morgan Stanley and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | E*TRADE from Morgan Stanley | Pibank |
|---|---|---|
| APY | 3.25% Verified: 5/8/2026 ↘︎ 0.10%90d Change | 4.40% Verified: 5/8/2026 ↘︎ 0.20%90d Change |
| Product Name | Premium Savings Account | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0+ | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | E*TRADE from Morgan Stanley | Pibank |
|---|---|---|
| Premium Savings Account | Pibank Savings | |
Current APY | 3.25% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.7 | -0.6 |
Days Since Change | 28 | 22 |
12-Month High | 4.00% | 4.60% |
12-Month Low | 3.25% | 4.40% |
Adjustments / Mo | 0.33 | 0.08 |
Volatility Score | 0.076 | 0.011 |
How to read these metrics(Click to expand)
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