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Merrill Edge offers investment solutions for nearly any goal — from college planning to retirement. Just choose from the account options below to get started.

General Investing

Online Brokerage Account
Use for individual or joint investing or as a custodial account.
Learn more »
Trust & Estate Account
Trust and estate accounts are useful for administering assets that are subject to trust or estate terms. Estate accounts are set up to administer a person's estate after death. Trust accounts hold assets until they are used on behalf of family members or other beneficiaries.


Rollover IRA
A Merrill Edge® Rollover IRA offers an easy way to maintain the tax-deferred status of your retirement plan while consolidating your retirement assets into one easy-to-manage account. A Rollover IRA isn't right for everyone. Consider all of your choices and learn if a Rollover IRA may be right for you.1
Have questions?
Talk to a Merrill Edge rollover specialist,
24 hours a day, 7 days a week at 1.888.637.3343.
Roth IRA
Let your earnings have the opportunity to grow tax free and make qualified tax-free withdrawals of contributions at any time.2 Unlike a Traditional IRA, there are no mandatory withdrawals.3 Contributions aren't tax-deductible. Learn more »
Traditional IRA
Allow your investment earnings the opportunity to grow tax free until funds are withdrawn in retirement. Contributions may be tax-deductible.
Learn more »
Inherited IRA
An Inherited IRA is used to transfer inherited retirement plan assets into an account in your name. Use this application to establish either a Traditional or Roth Inherited IRA.
College Planning
529 Plans and UGMA/UTMA Accounts

College Planning

NextGen® Direct 529 Plan
Set aside funds for a child's college education and create the opportunity for contributions to grow tax-free. Learn more »
Custodial (UGMA/UTMA) Accounts
Invest on behalf of a child with this taxable account. The funds can be used for any expenses, including education. Learn more »
Small Business
Small Business IRAs, 401(k) Plan and Business Investing

Small Business

Whether you're self employed or have employees, we offer a variety of plans.
Small Business 401(k)
Whether you're a sole proprietor or have hundreds of employees, this low-cost plan offers simplified account opening, plan set-up and ongoing administration.Learn more »
High contribution limits plus simple set up and low cost might make this plan work for small businesses with variable cash flows. Learn more »
Design for small businesses, this affordable retirement plan is one way small business owners can help their employees plan for the future. Learn more »
Business investor account
This account gives you access to a suite of investment based solutions and cash management services. Learn more »
CDs and Money Market Savings Accounts


Invest in FDIC-insured4 CDs and money market savings accounts. These accounts can be used for Roth, Traditional or Rollover IRAs. Learn more »
Money Market Savings IRA Learn more »
Forms & Applications
Most requested forms, forms by category and by title

Forms & Applications

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Preferred Rewards offers real benefits and rewards on your Merrill Edge® investment and Bank of America banking account balances. And as your balances grow, so do your benefits.

1 You have choices for what to do with your employer sponsored retirement plan. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth, roll over to an employer sponsored plan from a prior employer to an employer sponsored plan at your new employer, take a distribution or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit or call a Merrill Edge rollover specialist at 1.888.637.3343 for additional information about your choices.

2 There is a single, 5 year holding period when determining whether earnings can be withdrawn federally tax-free as part of a qualified distribution from a Roth IRA. This period begins January 1 of the year of the first contribution to any Roth IRA account.

3 With inherited IRAs, beneficiaries must begin taking distributions within certain periods specified by the IRS.

4 Retirement accounts opened through Bank of America, N.A., including Roth and Traditional IRAs, are insured by the FDIC up to $250,000 per depositor. These accounts are insured separately from other deposits you may have with Bank of America, N.A.

5 (2014) Merrill Edge was evaluated against 20 others in the 2014 Barron's Online-Broker review, March 15, 2014. Learn more at Barron's is a trademark of Dow Jones & Co., L.P. All rights reserved. Reprinted with permission of Barron's.

6 For J.D. Power 2011, 2012 and 2013 Call Center Certification ProgramSM information, visit and

7 Institutional Investor magazine announced BofA Merrill Lynch Global Research as the Top Global Research Firm for 2011, 2012 and 2013, based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. For more information about this award, go to

8 Merrill Edge was evaluated against 17 others in 2014 Online Broker Review, February 18, 2014. Learn more at

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You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America personal checking account and maintain a three month average combined balance in your qualifying Bank of America deposit accounts and/or your qualifying Merrill Edge and Merrill Lynch investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. SafeBalance Banking accounts do not count towards the account or balance requirements, and do not receive the fee waivers and other benefits of the program. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Employee qualification requirements, please visit the Employee Banking & Investments website. The Preferred Rewards Gold tier does not include the $0 online equity and ETF trades via Merrill Edge®, a benefit that is currently available at the Platinum and Platinum Honors tiers of Preferred Rewards. Platinum Privileges clients who enroll in Preferred Rewards and qualify for the Gold tier could potentially lose this benefit. Merrill Lynch Wealth Management clients with greater than $250,000 in assets with Bank of America and Merrill Lynch are eligible for additional banking benefits. Please speak with your Merrill Lynch financial advisor for details.

Banking products are provided by Bank of America, N.A. and affiliated banks. Members FDIC and wholly-owned subsidiaries of Bank of America Corporation.