with 5 million USD deposits and up only. Nowadays morgan stanley and morgan bank are totally seperate institutions and are competing for financing business. morgan stanley merged with dean witter several years ago and now it is called Morgan Stanley Dean Witter. Morgan bank was a big player in US politics for many years. They got in trouble with the federal government once when they were on federal side yet still financed the southern confederations during the civil war for weapon purchase. And it used to be the only bank handling government financing/tbills. Things have changed, but they are still one of the most respected player in US financial world. cheers.