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E*TRADE (Morgan Stanley Private Bank) bonus: $400 with promo code MAXRATE26

Max-Rate Checking. Here's what it takes, when it ends, and what it's really worth per day.

Checked Nov 4, 2026

Expired · ended early
Net per day
$3.33
Max days to payout
120
Cash parked
$0
Net value
$400

The details

Bonus$400 with promo code MAXRATE26
RequirementsAt least 2 direct deposits of $1,500+ each within 90 days of opening.
Other conditionsOpen online by 1/10/2027 with code MAXRATE26; fund within 90 days. Not eligible if you had an E*TRADE Checking/Max-Rate Checking account in the last 12 months.
ExpiresJan 10, 2027. Ended early: E*TRADE's offer page showed 'Promotion Expired' on 2026-11-04 (it had listed accounts opened 10/20/2026-01/10/2027). Doctor of Credit also removed it on 11/2/2026.
Max days to payout120
Cash parked$0
Opportunity cost$0
Net value$400
Bonus as APY—
Fine printBonus assessed after day 90, paid on or about day 120. Terms say the promo code must come from an authorized affiliate marketing partner. Checking APY 2.00% only on balances of $10,000+ (0.05% below). Bonus reported on 1099; 24% backup withholding if no W-9.
VerificationVerified at issuer (issuer). Last checked Nov 4, 2026.
Sourcehttps://us.etrade.com/promo/checking-offer

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E*TRADE (Morgan Stanley Private Bank)

Max-Rate Checking · Online bank
Verified at issuer

Last verified Nov 4, 2026

$400
$400 with promo code MAXRATE26
$3.33net / day
Expired · ended earlyPaid in ≤120 daysEasy
  • At least 2 direct deposits of $1,500+ each within 90 days of opening.
  • Open online by 1/10/2027 with code MAXRATE26; fund within 90 days. Not eligible if you had an E*TRADE Checking/Max-Rate Checking account in the last 12 months.
Get this bonus
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Fine print & the math

Bonus assessed after day 90, paid on or about day 120. Terms say the promo code must come from an authorized affiliate marketing partner. Checking APY 2.00% only on balances of $10,000+ (0.05% below). Bonus reported on 1099; 24% backup withholding if no W-9.

Expires: Jan 10, 2027. Ended early: E*TRADE's offer page showed 'Promotion Expired' on 2026-11-04 (it had listed accounts opened 10/20/2026-01/10/2027). Doctor of Credit also removed it on 11/2/2026.

Cash parked $0 · Opportunity cost vs 4.00% savings $0 · Net $400

Source page · last verified Nov 4, 2026

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