Open an account

Open an online investing and trading account or choose to invest in a managed portfolio with Merrill Edge Guided Investing or by working with a licensed advisor. Compare your choices

General investing

Open a brokerage account to build wealth and pursue your financial goals.

Online brokerage account

Open an individual or joint brokerage account and enjoy a streamlined investing experience that combines the convenience of Bank of America banking and the investing insights of Merrill Lynch. Learn more

Trust & estate account

Trust and estate accounts can be set up to administer a person's estate after death or to hold assets until they are used on behalf of family members or other beneficiaries.


It's never too early to save for your future with a tax-advantaged IRA.

Rollover IRA

Consolidate your retirement assets into one easy-to-manage account while maintaining your plan's tax-deferred status. Consider all of your choices and learn if a rollover may be right for you. For additional information, call 888.637.3343 to speak with a rollover specialist, 24/7.1 Learn more

Traditional IRA

Open a Traditional IRA and if you qualify for tax-deductible contributions, you may have the opportunity to lower your current tax bill - with no minimum balance. Learn more

Roth IRA

Give your earnings the potential to grow free of federal income taxes. A Roth IRA may offer you greater tax savings and withdrawal flexibility than a Traditional IRA. Learn more

Inherited IRA

Transfer inherited retirement plan assets into a Traditional or Roth Inherited IRA in your name.

Bank savings IRA

Savings IRAs from Bank of America are FDIC insured2 and offer interest-bearing CD or money market savings account choices.

Individual Health Savings Account (HSA)3

An HSA from Bank of America helps put you in control of your health care costs. Individuals with qualified high-deductible health plans (HDHPs) can enjoy the benefits of a tax-advantaged investing account while saving for many out-of-pocket medical expenses.

Merrill Edge Guided Investing

Pursue your investing goals online with a low-cost managed portfolio.

Merrill Edge Guided Investing

Pursue your investing goals online with a low-cost portfolio built, managed and rebalanced4 by the investment professionals at Merrill Lynch.5,6,7 Available accounts include individual brokerage account, Traditional IRA and Roth IRA. You can also roll over a 401(k) or other employer-sponsored retirement plan. Learn more

Invest with an advisor

Get advice when you need it from licensed Merrill Edge Financial Solutions Advisors™

Invest with an advisor

Receive advice from a licensed Merrill Edge Financial Solutions Advisor™, who can help you pursue your financial goals and plan for what matters most to you.7 Invest in a brokerage account, IRA, college savings plan or small business account. Learn more

College planning

Plan for a child's future by saving for college with a tax-advantaged 529 plan.

NextGen Direct 529 plan

This 529 college savings plan offers tax advantages, diverse investment options and high contribution limits to help you save for future higher education expenses. Learn more

NextGen Select 529 plan

A 529 managed by Merrill Edge Financial Solutions Advisors™, NextGen Select lets you work with a licensed advisor to choose from a broader range of investment offerings than those offered in the Direct plan. Learn more

Custodial account (UGMA/UTMA)

A custodial account, also known as a Uniform Gifts to Minors/Uniform Transfers to Minors Act (UGMA/UTMA) account, gives you the flexibility to set aside money to pay for education and other expenses. Learn more

Small business accounts

Take advantage of a full range of retirement planning, investment, cash management and health care solutions.

Small Business 401(k)

Attract and retain talented employees with this affordable, easy-to-manage 401(k) — designed for the needs of small businesses. Learn more
Special offer: Convert your existing 401(k) to a Merrill Edge Small Business 401(k) now through December 31, 2017, and we'll reduce the conversion fee from $1,390 to $500! Applies to converted plans only. Other plan and participant fees still apply.

Individual 401(k)

Reduce your personal and business taxes while having access to your money through loans8 with this affordable plan for self-employed business owners and their spouses. Learn more
Special offer: Convert your existing uni-K, solo k or individual 401(k) to a Merrill Edge Individual 401(k) now through December 31, 2017, and we'll waive the $150 setup fee! Applies to converted plans only. Other plan and participant fees still apply.


Benefit from the flexibility to contribute as your cash flow allows, while offering yourself (and employees, if you have them) the potential for tax-deferred growth and contribution limits nearly 10 times higher than a Traditional IRA. Learn more


Have 100 or fewer employees and predictable cash flow? Take advantage of easy plan-administration, while offering potential tax advantages to your business and employees. Learn more


The BASIC™ plan is a flexible, low-cost, qualified retirement plan for employers. It supports both profit sharing and money purchase plans, and allows employers to make tax-deductible contributions. The BASIC account is currently available only to new participants in previously established plans.

Retirement Cash Management Account (RCMA®)

If you have an established profit sharing, 401(k), money purchase or defined benefit plan and need a full range of investment choices, consider the Merrill Edge Retirement Cash Management Account (RCMA®) Investment Only. Recordkeeping, administrative duties, tax reporting and trustee arrangements are handled separately by a third-party administrator of your choice. Choose between full-featured or limited-feature RCMA services.

Business Investor Account (BIA)

Access a suite of investment-based solutions and cash-management services to pursue the needs of your small business. Learn more

Working Capital Management Account (WCMA®)

Work with a licensed Merrill Edge Financial Solutions Advisor™ and access cash-management services to pursue the needs of your small business. Learn more

Business Health Savings Account (HSA)3

An HSA from Bank of America helps put you in control of your health care costs. Individuals with qualified high-deductible health plans (HDHPs) can enjoy the benefits of a tax-advantaged investing account while saving for many out-of-pocket medical expenses.

Small business banking

Find out how Bank of America can work for your business.
Help when you want it
Turn to us for step-by-step guidance when you have questions or need help getting the most out of Merrill Edge. For advice to help you get and stay on track, invest with a licensed Merrill Edge Financial Solutions Advisor™.
Need help deciding how to invest with us? Compare your choices, call or visit.
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Call 24/7
Enjoy real benefits and rewards on your Merrill Edge investing and Bank of America banking account balances. And as your balances grow, so do your benefits.9

Awards & recognition

J.D. Power Contact Center Certification
Merrill Edge's Contact Centers have been recognized by J.D. Power for providing "An Outstanding Customer Service Experience" for the Live Phone channel for 7 years in a row.Footnote 10
Kiplinger's Best Online Brokers 2017Ranked #1 for "Best Online Brokers"
Merrill Edge was
ranked #1 by Kiplinger's for "Best Online Brokers" 2017, earning 4.5 out of 5 stars overall.12
Barron's 2017 Best Online Brokers. 4 out of 5 stars. Footnote 11
Footnote 1 You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over an employer-sponsored plan from your old job to 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 different types of 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 888.637.3343 for more information about your choices.

Footnote 2 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.

Footnote 3 Bank of America, N.A., a wholly owned banking affiliate of Bank of America Corporation (BofA Corp.) and member FDIC makes available the Health Savings Account as a custodian only. The account beneficiary establishing the HSA is solely responsible for ensuring satisfaction of eligibility requirements set forth in IRC sec 223. If an individual/employee establishes a HSA and s/he is not otherwise eligible, s/he will be subject to adverse tax consequences. In addition, an employer making contributions to the HSA of an ineligible individual may also be subject to tax consequences. We recommend that applicants and employers contact qualified tax or legal counsel before establishing a HSA.

Mutual fund offerings for BANA's HSA are provided by Devenir, LLC., which is a registered broker-dealer and member FINRA/SIPC. Devenir, LLC provides investment services through its affiliate Devenir Investment Advisers, LLC, which is a registered investment adviser. Devenir, LLC is not an affiliate of BofA Corp. Merrill Lynch, Pierce, Fenner & Smith Incorporated does not provide investment services for the BANA HSA.

Footnote 4 Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.

Footnote 5 Global Wealth & Investment Management Chief Investment Office ("CIO") develops the investment strategies for Merrill Edge Guided Investing, including providing its recommendations of ETFs and related asset allocations. Managed Account Advisors LLC ("MAA"), Merrill Lynch's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Edge Guided Investing strategies for client accounts, including facilitating the purchase and sale of ETFs in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).

Footnote 6 Please review the Merrill Edge Guided Investing Program Brochure (PDF) for important information including pricing, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. This program is not offered through an advisor.

Footnote 7 Merrill Edge investment advisory programs are offered by MLPF&S. MLPF&S and Managed Account Advisors LLC (MAA) are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training

Footnote 8 Please consider the advantages and disadvantages of taking a loan before initiating one.

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. The combined balance is calculated based on your average daily balance for a three calendar month period. SafeBalance Banking® accounts do not count toward 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 call Employee Financial Services or visit the Bank of America intranet site. 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.
J.D. Power 2017 Certified Contact Center ProgramSM recognition is based on successful completion of an audit and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit
Merrill Edge was one of 16 brokers evaluated in the Barron's 2017 Best Online Broker Survey, March 18, 2017. Barron's evaluated firms in 8 categories to rate and rank the firms in those categories, by investor type and provide an overall rating & ranking. Learn more at Barron's is a trademark of Dow Jones & Co., L.P. All rights reserved. Reprinted with permission of Barron's.
Merrill Edge was ranked #1 overall (tied with Fidelity) out of 7 online brokers by Kiplinger's Personal Finance's "Best Online Brokers," survey October 2017. To be included, firms had to offer online trading of stocks, ETFs, funds and individual bonds. Learn more at from Kiplinger's Personal Finance, October 2017 © 2017 The Kiplinger Washington Editors. Used under License.
Banking products are provided by Bank of America, N.A. and affiliated banks. Members FDIC and wholly-owned subsidiaries of Bank of America Corporation.