I have never dealt with such incompetent people at a financial institution. I contacted my local Morgan Stanley office and opened a CashPlus account as instructed in May, 2022. Access Investing was never mentioned. I deposited $25,000 but missed the option to deposit my Social Security to avoid the $55 monthly fee due to both my lack of understanding and their poor explanation. Only 1 SS deposit has been made so far and I already paid 2 fees. After my SS was deposited I got an email stating that "Your CashPlus Account is not meeting fee avoidance." I called the branch last week and the receptionist could not explain this and promised to call me back. She never did. Then I get emails stating that another CashPlus account has been opened and a debit card and checks are in the mail. I called my agent a few days later who "was about to call me" and he said MS wants clients to "have a relationship" besides the $25k CashPlus account (that earns no interest to speak of). He could not explain why the new account he opened is exactly like the existing one. He is sending some form for me to sign, He credited my account for three $55 charges. I don't believe the agent understands this at all. I will be transferring most of the money out to where I can earn interest and stopping the SS deposits. I'm OK with paying $55/mo.
If you are considering obtaining the MS Plat card, be prepared for problems.