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 3.35% APY while Pibank's Pibank Savings pays 4.60% 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 $125 more than E*TRADE from Morgan Stanley annually ($460 vs $335).
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 Feb 7, 2026 | PibankPibank Savings Feb 7, 2026 |
|---|---|---|
| APY | 3.35% | 4.60% |
Est. Earnings | $5,000+$168 $10,000+$335 $25,000+$838 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
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 competitive Pibank Savings account with an APY of 4.60%, significantly higher than E*TRADE from Morgan Stanley's Premium Savings Account, which has an APY of 3.35%. Both accounts have no minimum deposit requirements and no maintenance fees, making them accessible options. Pibank's account stands out for its simplicity, as it does not require direct deposit or bundling, whereas E*TRADE is noted for its superior mobile app experience. 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.
Why E*TRADE from Morgan Stanley?
- ✓Higher rated iOS app (4.7 vs 2.3)
- ✓Higher rated Android app (4.7 vs 1.7)
- ✓Fast transfers via Zelle®
Why Pibank?
- ✓Higher potential APY (4.60% vs 3.35%) on all balances
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $335/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $838/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% 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. 2.3) and Android app rated 4.7 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $125 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 $125 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+$335.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,335.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
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 $334 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 | 3.35% Verified: 2/7/2026 ↘︎ 0.40%90d Change | 4.60% Verified: 2/7/2026 Stable (90d) |
| 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 | 3.35% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.0 | -0.0 |
Days Since Change | 4 | 358 |
12-Month High | 4.00% | 4.60% |
12-Month Low | 3.35% | 4.60% |
Adjustments / Mo | 0.25 | 0.00 |
Volatility Score | 0.052 | 0.000 |
How to read these metrics(Click to expand)
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