Investing & Banking Connected

One part investment insights. One part banking strength.
Your gateway to dynamic investing and banking capabilities

Whether you decide to invest on your own and open a self-directed investment account or with advice and guidance and open an account with the Merrill Edge Advisory Center, imagine your financial potential with access to the investment insights of Merrill Lynch investing and convenience of Bank of America banking. When you become a Merrill Edge client, you're just clicks away from accessing information about a full spectrum of investing and banking solutions. And you'll have the power to view and access your Merrill Edge investment and Bank of America banking accounts all at one website.

Platinum Privileges®

The Platinum Privileges program rewards you for your Bank of America banking and Merrill Edge investing relationships3, offering you:

  • Thirty $0 online equity and ETF trades per month.2 See fee details.1
  • Access to Merrill Edge MarketPro®, a real-time market analysis and trading platform for self-directed clients4
  • No fees on select banking services
  • Higher rates on Bank of America Platinum Money Market Savings accounts5 as well as select CDs and IRAs6
  • A dedicated customer service team at the Platinum Service Center for your banking questions

Learn how to qualify

All of your finances, all at one site
  • Explore a full range of investment products from Merrill Edge, including brokerage accounts and IRAs, as well as bank products from Bank of America, such as checking accounts and CDs.
  • Log into Merrill Edge to save time and get a more complete, secure overview of your investment, banking, credit and lending accounts.
  • Discover the power of real-time money movement between your Merrill Edge investment and Bank of America checking or savings accounts.7 
  • Mobile investing  gives you the freedom to view and access your Merrill Edge investment accounts and Bank of America bank accounts while you’re on the go.

Investing and banking accounts connected at ATMs
  • Link up to 15 investment accounts to your Bank of America debit card8,9 and use Bank of America ATMs for account transactions, such as transfers between your investment and bank accounts, withdrawals, balance inquiries, cash or check deposits.
  • Use your Merrill Edge CMA Access® Visa® card at Bank of America ATMs to access cash and make deposits.
Ready To Get Started?
Call 1.888.MER.EDGE (1.888.637.3343)
Representatives are available
24 hours a day, 7 days a week.
Streamlined Investing
Consolidating your accounts can help you keep your financial plan on track.
Please remember there's always the potential of losing money when investing in securities.

1 Other management and transaction fees may apply. In addition to your stock, ETF or option commission sell orders may also be subject to a transaction fee (of between $0.01 to $0.03 per $1,000 of principal). If applicable, this fee appears under "Transaction Fee" on a Trade Confirmation. Your stock or ETF commissions sell orders may also be subject to a fractional share liquidation fee of 10% of proceeds. There are other fees associated with investing in ETFs, Read the "Expenses & Charges" sections of the prospectus to find out what they are. Contact us to obtain a prospectus.

2 $0 trades are only available with an individual or joint Merrill Edge self-directed brokerage account. MLPF&S waives its commission fee for as many as 30 monthly online equity trades, including stock and exchange traded funds (ETFs) for Platinum Privileges clients. To learn about additional ways to qualify for $0 trades, call 888.MER.EDGE (888.637.3343) or visit To determine the 30- trade limit, MLPF&S adds the qualifying trades in your individual accounts and joint accounts. Commission fees apply when qualification 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, research request and termination apply. See for details. Standard deposit account fees apply. Relationship requirements and pricing are subject to change. This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held a MLPF&S.

3 You automatically enjoy status in the Platinum Privileges® program if you have an active Bank of America personal checking account and maintain at least $50,000 as a combined balance in your Bank of America deposit accounts and/or your Merrill Edge brokerage accounts. Platinum Privileges® is not available to U.S. Trust and Merrill Lynch Wealth Management clients. Please speak with your U.S. Trust advisor or Merrill Lynch Financial Advisor for information about the enhanced banking benefits available to you through your wealth management relationship. We will no longer enroll customers into the Platinum Privileges program under the following schedule: as of June 30, 2013 in the states of KS, MO, NV, SC and WA; as of May 31, 2014 in the states of AR, IA, MA, ME, NH, NM, OK, RI, TX, AZ, CA, ID and OR; as of July 26, 2014 for all other states.

4 Merrill Edge MarketProTM is available to clients who maintain a Merrill Edge self-directed relationship.

To qualify you must be a Platinum Privileges client, or maintain total combined balances of $50,000 or more in your Merrill Lynch investment accounts and Bank of America, N.A. deposit accounts, or make at least 15 self-directed trades per quarter. Not available to investment professionals, or for trust accounts and business accounts. Relationship requirements and pricing are subject to change. See for details.

5 The Platinum Privileges® Money Market Savings account is only available on request to customers enrolled in the Platinum Privileges program or whose opening balance qualifies them for the Platinum Privileges program. Your enrollment in Platinum Privileges will not automatically convert any existing or new money market savings account to a Platinum Privileges Money Market Savings account without your request. See the Personal Schedule of Fees for a description of the requirements for enrollment in Platinum Privileges. If your enrollment in the Platinum Privileges program is discontinued, your Platinum Money Market Savings account will automatically convert to a standard money market savings account, and the interest rate and fees for a standard money market savings account will apply.

6 Platinum Privileges rates on select CDs and CD IRAs are available only at the beginning of the term of a CD or CD IRA and only if you are enrolled in the Platinum Privileges program at that time. If you are no longer enrolled in the Platinum Privileges program when the CD renews, you will receive a standard rate for the new term. See the Personal Schedule of Fees for details on how to qualify for the Platinum Privileges program.

7 Certain banking and brokerage accounts may be ineligible for real time money movement.

8 To link investment account(s) to a Bank of America debit card, Merrill Edge clients must contact the Merrill Edge Advisory Center or 888.MER.EDGE (888.637.3343) to request they be linked.

9 Military bank customers are not eligible to link their investment accounts to their Bank of America debit card.

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