accessing funds and making PAYMENTS fact sheet august 2014
Accessing Funds
and Making Payments
Morgan Stanley offers several convenient and secure ways
to help manage your everyday finances.
Enjoy unlimited check writing
privileges with the ability to view and track all check activity
through Morgan Stanley Online, the Morgan Stanley Mobile App1
(available for iPhone®), and through detailed monthly and annual
summary statements. You can also receive up to 50 complimentary
wallet checks each calendar year and view images of the checks
on Morgan Stanley Online.
Unlimited Check Writing.
To order checks and start making payments from your Active
Assets Account 2: Contact your Financial Advisor or Private Wealth
Advisor or call 800-869-3326.
also ensures peace of mind in knowing all payments made are
guaranteed to arrive by the specified payment date you choose*.
If for some reason the payment is received late, we will work
with your payee to reverse any late payments/penalties. Not only
can you pay your bills online, but you can also make payments
to individuals. Online Bill Pay is a complimentary service for all
Morgan Stanley Clients.
Additionally, after you use Morgan Stanley Online to add your
payees to your account, you can use the Morgan Stanley Mobile
App to make on-the-go payments to these payees.
*
Use your Morgan Stanley Debit
Card to make purchases or withdraw cash at an Automated Teller
Machine (ATM). The Morgan Stanley Debit Card is accepted at
over 35 million locations worldwide at ATMs with a MasterCard®,
Maestro®, or STAR® network acceptance mark. Reserved clients4
are eligible for unlimited U.S. ATM fee rebates, up to $4.99 per
transaction. All other clients are eligible for up to $200 in annual
U.S. ATM fee rebates, also up to $4.99 per transaction. There is
no annual fee for the Morgan Stanley Debit Card.
Morgan Stanley Debit Card.3
To request a Morgan Stanley Debit Card: Contact your Financial
Advisor or Private Wealth Advisor or call 800-869-3326.
Save time and money for
postage by paying bills online. Morgan Stanley Bill Pay service
is accessible on Morgan Stanley Online enabling you to set up
payees and establish one time or recurring payments in just three
(3) simple steps. Additionally, you can also receive an electronic
version of your bills. This feature allows you to establish automatic
payments so you can pay your exact amount due.
Choose the payment date you wish your payee to receive your
payment, taking the guess work out of figuring out how far in
advance to mail your check to ensure it arrives on time. This
Morgan Stanley Bill Pay Service.
Bill payments can take up to four (4) business days for the payee to receive.
To enroll in Online Bill Pay: Visit www.morganstanley.com/online
and login to your account and click on the “Pay Bills” tab or call
800-869-3326.
To access your spending activity: Visit www.morganstanley.com/online
or the Mobile App and log into your account. Go to “Portfolio” tab,
then go to the “Summary” or “Activity” sub-tab and review all the
payment activity or call 800-869-3326.
Th e Morgan Stan le y C ards from Am eric an E xpress.5
Morgan Stanley clients with eligible brokerage accounts can
apply for the Morgan Stanley Credit Card from American Express or the Platinum Card from American Express exclusively
for Morgan Stanley. In addition to the award-winning Membership Rewards® program6 and the attentive, personal service
you expect from Morgan Stanley and American Express, both
Cards offer unique features and benefits designed exclusively for
Morgan Stanley clients.
To apply for either of the Morgan Stanley Cards from American
Express: Contact your Financial Advisor or Private Wealth Advisor,
or visit www.americanexpress.com/mscards or call American Express
at 1-877-263-9607.
accessing funds and making PAYMENTS fact sheet
Funds Transfer. Transfer funds through Morgan Stanley Online
or the Morgan Stanley Mobile App, available for the iPhone®, between your Morgan Stanley accounts or initiate a transfer to and
from your external accounts at other financial institutions into
your Morgan Stanley Account(s). You can even schedule one-time
or recurring transfers between your accounts.
You can also conveniently transfer funds internally between
your Morgan Stanley accounts instantly, 24 hours a day, seven
days a week by using Morgan Stanley Online, the Morgan Stanley
Mobile App, or by calling your branch. The Funds Transfer Service is a complimentary service for all Morgan Stanley clients.
To enroll in Funds Transfer:
Visit www.morganstanley.com/online, log into your account on
Morgan Stanley Online, click on the “Transfers” tab and follow
the on-screen instructions to begin or call 800-869-3326. There
will be a trial deposit process in which two (2) small deposits will
be made into your external account to ensure the accounts have
been properly linked. You can contact your Financial Advisor or
Private Wealth Advisor to establish these links with your external
accounts as well.
Wire Transfers. Wire transfer is another option to make pay-
ments from your Active Assets Account. Wire Transfers in U.S.
Dollars and many foreign currencies are available7 when Online
Bill Pay or Online Funds Transfer services do not meet your
needs. Additional fees may apply.
To learn more about wire transfers: Contact your Financial Advisor
or Private Wealth Advisor or call 800-869-3326.
Automatic Payments. For billers who provide this service, you
can directly establish automatic payments with billers, such as
utility companies or wireless providers. There are three (3) ways
to help begin the automatic payments with your biller:
1. Provide a copy of your Morgan Stanley check or
2. Provide your Morgan Stanley Debit Card number and
expiration date or
3. Provide your Morgan Stanley Card from American Express card
number and expiration date.
To learn more about Automatic Payments: Contact your Financial
Advisor or Private Wealth Advisor or call 800-869-3326.
Subject to cell phone connectivity. Standard messaging and data rates from your provider may apply. The Morgan Stanley Mobile App is currently available
for iPhone® from the App StoreSM. iPad® and Android™ support will follow.
1
The Active Asset Account (AAA) is a brokerage account offered through Morgan Stanley Smith Barney LLC.
The Morgan Stanley Debit Card is currently issued by UMB Bank n.a., pursuant to a license from MasterCard International Incorporated. MasterCard
and Maestro are registered trademarks of MasterCard International Incorporated. The third-party trademarks and service marks contained herein are the
property of their respective owners.
2
3
4
Morgan Stanley Smith Barney LLC reserves the right to change or terminate the Reserved program at any time and without notice. Reserved program
participants’ accounts and activity are reviewed periodically to confirm that they continue to qualify for Reserved.
5
The Morgan Stanley Credit Card from American Express or the Platinum Card® from American Express exclusively for Morgan Stanley is only available to
you if you have an Eligible Morgan Stanley Smith Barney LLC brokerage Account (“Eligible Account”). Eligible Account means a Morgan Stanley Smith Barney
LLC brokerage account held in your name or in the name of a revocable trust where you are the grantor and trustee, except for the following accounts:
Charitable Remainder Annuity Trusts, Charitable Remainder Unitrusts, irrevocable trusts and employer-sponsored accounts. Eligibility is subject to change.
American Express may cancel your Card Account and participation in this program, if you do not maintain an Eligible Morgan Stanley brokerage Account.
Morgan Stanley may compensate your Financial Advisor and other employees in connection with your acquisition or use of either the Morgan Stanley Credit
Card from American Express or the Platinum Card® from American Express exclusively for Morgan Stanley.
The Morgan Stanley Cards from American Express are issued by American Express Bank, FSB, not Morgan Stanley. Services and rewards for the Cards are
provided by either Morgan Stanley, American Express or other third parties. Restrictions and other limitations apply See the terms and conditions for the
Cards for details. Clients are urged to review fully before applying.
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more
information. Participating partners and available rewards are subject to change without notice. Eligible purchases are purchases for goods and services
minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks,
purchase or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Morgan Stanley, its affiliates, and
Morgan Stanley Financial Advisors and employees are not in the business of providing tax or legal advice. Clients should speak with their tax advisor regarding the potential tax implications of the Rewards Program upon their specific circumstances.
6
A fee of $50 will apply to outgoing foreign currency wires. Funds cannot be wired out of or into a U.S. Dollar Savings Deposit. Funds for these deposits
must be transferred via a client’s underlying brokerage account.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is a registered Broker/Dealer, a member SIPC, and not a bank. Where appropriate, Morgan Stanley
has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment services are
offered through Morgan Stanley. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley are not insured by
the FDIC, are not deposits or other obligations of, or guaranteed by, Morgan Stanley’s bank affiliates and involve investment risks, including possible
loss of principal amount invested.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Android is a trademark of Google Inc.
7
© 2014 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC965198 08/2014 PBG7964942 CS 7964942 08/14