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Account Transfer Authorization (ACATS) Form, page 1
Moderate · 47/100Form Complexity Index

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What this form asks for

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The Account Transfer Authorization form, commonly known as the ACATS form, is a legal document that grants permission for a financial institution to move a client's assets to another firm. It is a crucial step in consolidating investments or changing brokers, facilitating the transfer of securities like stocks, bonds, and mutual funds through the Automated Customer Account Transfer Service (ACATS). Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields106
Pages4
Form Complexity IndexModerate, 47/100

The AI checks your answers before you download

12 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Social Security or Tax ID Number Format Validation

This check verifies that the 'Social Security or Tax I.D. Number' field contains a valid 9-digit number, formatted as either an SSN (XXX-XX-XXXX) or a TIN (XX-XXXXXXX). This number is critical for identity verification and tax reporting as required by federal law. If the format is invalid, the form submission will be rejected as it cannot be processed by the carrying or receiving firm.

Mandatory Account Title Verification

Ensures the 'Account Title' field is not empty and matches the name on the client's statement from the carrying firm. The account title legally identifies the owner(s) of the assets being transferred. A missing or mismatched title will cause the carrying firm to reject the transfer request, leading to significant delays.

Carrying Firm Account Number Presence

This validation confirms that the 'Carrying Firm’s Account No.' field has been filled out. This number is the primary identifier for the source account at the other institution. Without this specific account number, the carrying firm cannot locate the assets to be transferred, making the request unprocessable.

Client Signature and Date Completeness

Verifies that the 'Client’s Signature' field is signed and the adjacent 'Date' field is completed with a valid date. A signature provides the legal authorization to move the client's assets, and the date establishes when this authorization was granted. An unsigned or undated form is legally non-binding and will be rejected immediately.

Joint Owner Signature Requirement for Joint Accounts

This check determines if the account is a joint account and, if so, requires a signature in the 'Joint Account Owner’s Signature' field. For jointly held assets, all owners must provide authorization for the transfer to be legally compliant. Failure to secure all required signatures will result in the carrying firm rejecting the transfer request.

Partial vs. Entire Transfer Instruction Logic

This check enforces consistency between the transfer amount selection and the asset list. If 'Transfer only the assets listed here' is checked, the asset description table must contain at least one entry. Conversely, if 'Transfer my ENTIRE account' is selected, the asset list should be empty to prevent ambiguity. This validation prevents processing errors caused by conflicting instructions.

And 6 more checks
  • Client Statement Attachment Verification
  • IRA Transfer Type Consistency Check
  • Exclusive Transfer Type Selection
  • ACAT vs. Liquidation Routing Logic
  • Carrying Firm Information Completeness
  • Valid Date Format and Recency

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How to Fill Out ACATS Form / FOR 0600A-SB-INT Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select the Account Transfer Authorization (ACATS) form.
  2. Provide the details of the firm you are transferring from (the 'Carrying Firm'), including their name, clearing number, and your account number with them.
  3. Enter your personal information, such as your full name, Social Security or Tax ID number, and the exact account title as it appears on your statement.
  4. Indicate the type of transfer you are requesting, whether it's for the entire account or a partial transfer of specific assets listed on the form.
  5. Review all the information populated by the AI, ensuring it matches the details on your most recent account statement, which must be submitted with the form.
  6. Sign and date the form in the designated signature area. If it is a joint account, all owners must sign.
  7. Download the completed form and submit it to the receiving firm (e.g., Morgan Stanley) along with a complete copy of your latest account statement.

Common Mistakes in Completing ACATS Form / FOR 0600A-SB-INT

The ones the AI is built to catch.

Mismatched Account Title
This error occurs when the account title entered on the form does not exactly match the title on the statement from the carrying firm. People often use nicknames, initials, or omit trust designations. A mismatch will cause an automatic rejection by the carrying firm's system, leading to significant delays in the asset transfer. To avoid this, meticulously copy the account title from your most recent statement, character for character.
Incorrect or Missing Carrying Firm Information
Applicants often struggle to find or correctly enter the carrying firm's account number and, most importantly, their clearing number (DTC number). Without the correct routing information, the automated ACATS transfer request will fail. These details are essential for the system to identify the correct account at the correct institution. Always locate this information on a recent account statement before filling out the form.
Forgetting to Attach the Account Statement
The form explicitly states that a complete copy of the client's most recent statement is required to process the transfer. It's a common oversight to submit the form without this crucial document. This immediately halts the process, as the receiving firm cannot verify the assets or account details, forcing them to contact you and delaying the transfer by days or even weeks. Always prepare and attach the statement with your submission.
Missing Signatures for Joint Accounts
The form requires signatures from all account owners for joint accounts, but frequently only one owner signs. This renders the authorization legally incomplete and invalid. The transfer request will be rejected outright, requiring a new form to be completed and signed by all parties. To prevent this, ensure every individual listed on the account title provides their signature in the designated area.
Incomplete Instructions for Partial Transfers
When choosing to transfer only specific assets, users often provide vague descriptions or forget to list the exact quantity of shares. For example, writing 'Apple stock' instead of '100 shares of AAPL' creates ambiguity that will lead to rejection. This requires the firm to seek clarification, delaying the transfer. For partial transfers, use your account statement to list the precise quantity and full description of each asset.
Failing to Obtain a Signature Guarantee
Applicants frequently mistake the 'Signature Guaranteed by' field for a regular signature line, or they leave it blank. This is a special type of authentication from a financial institution that guarantees your signature's validity, and it is often required for asset transfers. Submitting a form without a required signature guarantee will result in an immediate rejection. You must take the completed form to an eligible institution, like your bank, to get the official stamp and signature.
Using One Form for Multiple Accounts
The instructions specify using a separate form for each account, but clients who hold multiple accounts (e.g., a brokerage account and an IRA) at the same firm may try to consolidate them onto one form. This violates processing rules and will cause the request to be rejected. To ensure a smooth process, you must complete a distinct transfer form for each individual account number you wish to move.
Choosing an Incorrect Transfer Method
The form offers several transfer methods (e.g., ACAT, Non-ACAT, Liquidation), and users may not understand the distinction. For instance, selecting 'Re-register' for a proprietary mutual fund that cannot be transferred 'in-kind' will cause that part of the transfer to fail. This error requires manual intervention and new instructions, causing delays. It is best to consult with your new financial advisor to confirm the correct transfer method for your specific assets.
Typographical Errors in ID Numbers
A simple typo in a Social Security Number or Tax ID Number is a very common but critical data entry error. The automated systems used for account transfers rely on this number for identity verification. Any mismatch between the number you provide and the one on file at the carrying firm will result in an immediate failure of the transfer request. AI-powered tools like Instafill.ai can help prevent these errors by validating data formats as you enter them.
Submitting an Illegible or Poor-Quality Copy
The form is often a non-fillable PDF that must be printed, filled by hand, and then scanned or faxed, which can result in poor legibility. If key information like account numbers or signatures is unreadable, the processing department will reject the form. To avoid this, write clearly and ensure any copies are crisp and legible. Tools like Instafill.ai can convert flat PDFs into digitally fillable forms, ensuring perfect clarity and preventing this issue entirely.

Frequently Asked Questions About ACATS Form / FOR 0600A-SB-INT

 

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You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of ACATS Form / FOR 0600A-SB-INT, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is ACATS Form / FOR 0600A-SB-INT to fill out?
ACATS Form / FOR 0600A-SB-INT has a Form Complexity Index of 47 out of 100, in the moderate tier: 106 fillable fields across 4 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the Account Transfer Authorization (ACATS) form?
This form authorizes the transfer of your financial account and its assets from another institution (the 'carrying firm') to your new or existing account at Morgan Stanley.
Who needs to fill out this form?
Any client who wants to move their brokerage, retirement, or other investment account from another financial firm to Morgan Stanley needs to complete this form.
What documents do I need to submit with this form?
You must provide a complete and legible copy of your most recent account statement from the firm you are transferring the account from.
Can I transfer only some of my assets, or do I have to move the entire account?
You have the option to transfer your entire account or perform a partial transfer by listing only the specific assets you wish to move in the 'Brokerage Account Transfer' section.
Where can I find the 'Carrying Firm's Account No.' and other required details?
This information, including your account number and the carrying firm's name and address, can be found on your most recent client statement from that institution.
What happens to assets in my old account that cannot be transferred?
You will be contacted by either Morgan Stanley or your prior firm to provide instructions on how to handle any nontransferable assets, such as proprietary mutual funds.
My account is a joint account. Does everyone need to sign?
Yes, the form explicitly states that all joint account owners must sign the document for the transfer authorization to be valid.
What if I have outstanding fees in the account I'm transferring?
The form authorizes your prior firm to deduct any outstanding fees from the credit balance in your account before the transfer is completed.
I want to transfer two different accounts. Can I use one form?
No, the instructions specify that you must use a separate Account Transfer Authorization form for each individual account you wish to transfer.
How are mutual funds handled during the transfer?
You can choose to either redeem all your mutual fund shares and transfer the resulting cash, or you can re-register the mutual fund shares to your new Morgan Stanley account.
How long will the account transfer take?
While the form doesn't give a specific timeline, ACATS transfers are designed to be efficient. However, the transfer of certain non-standard or nontransferable assets may take longer.
Can I use an AI tool to help me fill out this form?
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and help ensure the information is entered correctly.
The PDF version of this form I have is not fillable. What can I do?
You can use a service like Instafill.ai, which is designed to convert flat, non-fillable PDFs into interactive forms that you can easily complete on your computer.
How do I use Instafill.ai to complete this form online?
Simply upload the Account Transfer Authorization form to the Instafill.ai platform. Its AI will automatically detect the fields, allowing you to type in your information and generate a completed PDF ready for submission.
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