E*TRADE from Morgan Stanley
4. Checks, Check-Writing, and Debit Cards
Variable Liability for Unauthorized Transactions
In plain English: If someone steals your debit info and you don't report it within 2 days, you could lose up to $500 instead of just $50.
“You understand and agree that if someone used your debit card, PIN, or password without your permission and you inform us within two Business Days, you can lose no more than $50. You understand and agree that if you do not tell us within two Business Days after you have learned of the loss or theft ...”
VERIFIED
This is an exact, word-for-word quote from E*TRADE from Morgan Stanley's Terms of Service.
Verified on May 1, 2026.
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