Open a new Merrill Edge online investment or rollover IRA account in minutes.
Enroll and open
Simple flat-rate pricing
Simple flat-rate pricing
Pay only $6.95 per online equity and ETF trade with no balance minimums, no trade minimums. Or you can qualify for 30 commission-free online equity and ETF trades per month.2
Investment and banking on one page
Investment and banking on one page
See your Merrill Edge investment and Bank of America® bank accounts with one log-in. And, you can move money between these accounts in real time.3
Research and Insights
Receive exclusive access to Merrill Lynch videos, articles, topic papers, as well as the award winning research of BofA Merrill Lynch Global Research.
Full Range of Investments
Easily find investments that align with your investment strategy using categorized lists of stocks, ETFs and no load, no transaction fee mutual funds that have been evaluated by Merrill Lynch research teams.4
Rollover support
Rollover specialists are available to work with you one-on-one throughout the process.
Ready to get started?
How to enroll:
Click the "Enroll and open" button above or below to open your account.
Ask a Merrill Edge Financial Solutions Advisor™ for the offer at select Bank of America banking centers or by calling 1.888.MER.EDGE.
How to qualify:
Fund your new account within 30 days.
Maintain your qualifying balance for at least 90 days.1
Receive your cash bonus within one week after the 90-day qualifying period.
NOTE: You will also receive 300 free online equity and ETF trades for 90 days and Merrill Edge MarketPro™ access, which is available within 5 days of opening your new account.
Enroll and open
1 Offer valid only for new Merrill Edge self-directed IRA and CMA accounts. Offer is limited to one per account type (CMA or IRA); two total per accountholder (or per all accountholders of a joint account). Eligible IRAs limited to Rollover, Traditional, Roth and Sole-Proprietor SEP IRAs only. This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held with Merrill Lynch, Pierce, Fenner & Smith Incorporated. Merrill Edge reserves the right to change or cancel this offer at any time. Offer only valid for accounts that enroll through the process specified below.

How to Enroll: Customers must enroll by clicking the "offer" ENROLL AND OPEN button above, or ask to be enrolled when speaking with a Merrill Edge Financial Solutions Advisor™ at 1.888.637.3343 or select Bank of America banking centers.

Cash Reward: Open and fund an account within 30 days from accounts held outside Merrill Lynch and Bank of America, and maintain the minimum qualifying balance for an additional 90 days. For purposes of this offer, qualifying balance shall mean total incoming assets or transfers (including cash, securities and/or margin debit balance transfers) from external accounts, minus assets withdrawn or transferred out of the account within the 90 day holding period. Cash reward qualifications: assets of $25,000 to $49,999 in cash and/or securities receive $100; for $50,000-$99,999, receive $150; for $100,000-$199,999, receive $250; for $200,000 or more, receive $600. Assets held by 401(k) plans through Merrill Lynch are excluded. Please allow up to one week following expiration of the 90 day holding period for the cash reward to be credited to your account.

Commission-Free trades begin within 5 business days of account opening and must be used within 90 calendar days; up to 300 trades per account. Commission-free trades are only applicable in the new account and are limited to online equity and ETF trades. Standard commission rates apply to trades in excess of the 300-trade limit or after 90 days. Brokerage fees associated with, but not limited to, margin transactions, option trading, special stock registration/gifting, account transfer and processing, research request and termination apply. Trades are not transferable, apply only to the account receiving the offer, and are not available for Merrill Edge Advisory Center accounts or other Merrill Lynch Wealth Management accounts. Merrill Edge does not, and this offer is not meant to, promote day trading or solicit engagement in day trading activities. Day trading can be extremely risky. Investors are solely responsible for their own investment decisions, and should research any investment strategy carefully before investing.

Merrill Edge MarketPro™ Trial begins within 5 business days of account opening and expires after 90 calendar days. To learn about additional ways to qualify for Merrill Edge MarketPro™, see Not available for employees of Bank of America or Merrill Lynch and business accounts.

Tax Disclaimer: The value of this reward you receive may constitute taxable income. In addition, Merrill Lynch may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax advisor, as Bank of America Corporation and its affiliates and associates do not provide tax advice.

2 $0 trades are only available with an individual or joint Merrill Edge self-directed brokerage account. Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) waives its commission fee for as many as 30 monthly online equity trades, including stock and exchange traded funds (ETFs) for customers who meet any one of the following criteria:

a) Combined total of $25,000 or more in your deposit accounts at Bank of America, N.A. When you make a trade, MLPF&S determines whether you meet the balance requirement to qualify that trade for the $0 waiver. MLPF&S adds the average collected balances in your deposit accounts as of the prior month to the balances in your bank CD and IRAs as of the prior business day. Bank deposit accounts with the same Social Security number (SSN) as the SSN(s) on the self-directed brokerage account are systematically included in the balance determination. If this calculation reflects a combined total of less than $25,000, a second calculation is made. To determine the 30-trade limit, MLPF&S adds the qualifying trades in your individual accounts and joint accounts. Commission fees apply when the balance requirement is not met, or when you exceed 30 qualifying trades a month. Brokerage fees associated with, but not limited to, margin transactions, option trading, special stock registration/gifting, account transfer and processing, account maintenance, research request and termination apply. See for details. Standard deposit account fees apply. Relationship requirements and pricing are subject to change.

b) Or combined balance of $25,000 or more in cash balances in one or more of the following sweep options in your Merrill Edge self-directed account(s) as of the prior business day:

  • Bank Deposit Accounts sweep with your Cash Management Account® (CMA®)
  • Retirement Assets Savings Program II sweep with your IRA
c) Or Client of U.S. Trust, Bank of America Private Wealth Management

d) Or Client of Platinum Privileges

This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at MLPF&S.

3 Certain banking and brokerage accounts may be ineligible for real-time money movement, including but not limited to transfers to/from bank IRAs (CD, Money Market), 529s and Credit Cards and transfers from IRAs, Loans (HELOC, LOC, Mortgage) and accounts held in the military bank. Accounts eligible for real-time transfers will be displayed online in the to/from drop down menu on the transfer screen.

4 BofA Merrill Lynch Global Research has nearly 700 analysts in more than 20 countries, covering more than 2,800 companies. These analysts specialize in equity, macro and credit research. Merrill Edge Select Funds and Select ETFs, allow you to review funds by a Morningstar category that meets a Merrill Lynch screening standard to help you identify investments that are in line with your personal needs and investment objectives.

If insurance products are made available to clients through their account relationships with Merrill Lynch, note that waiver of fees, including account fees, may not be used as an inducement to sell any kind of insurance, including life insurance or annuities.

Banking products are provided by Bank of America, N.A., member FDIC and a wholly owned subsidiary of Bank of America Corporation.