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"How do I transfer an account or assets from another firm to Merrill?"

Transfer cash

To transfer cash, including money markets funds held at a financial institution other than Bank of America, use our transfer Assets Online (login required) tool to make the transfer. When this process is complete, you will be able to set up recurring deposits and wire funds without delays or fees.

Transfer securities

To transfer securities or an account from another financial firm, use our Transfer Assets Online (login required) tool to make the transfer. Start with this tool to transfer some assets or complete accounts held somewhere else.

Transfer an account

If you are transferring an account that is changing in account ownership from a custodial account to a joint account, the minor must have attained the age of majority. If the change in ownership is to a joint account, the minor must be one of the joint owners. The custodian of the account must sign the transfer form.
You will need an account with the same type and ownership at Merrill that matches the account you want to transfer. For example, you can transfer assets from an individual Roth IRA to another individual Roth IRA with the same owner. Have a copy of your most recent statement from the account you want to transfer to Merrill.
Medallion signature guarantees will be required for all signatures in the Special Authorization section of the Account Transfer form. A medallion signature guarantee is a special financially-backed signature guarantee for the transfer of securities. Please check with your bank or security firm to find out if they can provide medallion signature guarantees.
Please contact us to assist you at any time while you are transferring your account.

"Can I transfer money between my Bank of America and Merrill accounts?"

Yes. One of the greatest benefits of linking your accounts is the ability to transfer money easily between your eligible Bank of America banking and Merrill investing accounts. You can make an immediate, one-time transfer between accounts, schedule transfers in the future and set up recurring transfers. Please note that you can only transfer money between your brokerage accounts on the Merrill Edge website. And, if you want to transfer money from a Bank of America account to another person's Bank of America account, you must do so through Online Banking.
To transfer cash between your Bank of America banking and Merrill investing accounts, link your accounts, and then use our online tool to make a transfer.

Do more with banking and investing connected

With your Merrill investing and Bank of America banking accounts connected through a single login, it's never been easier to manage your finances. Get a complete picture of your financial situation, bank and invest anytime, anywhere with our secure mobile app and act quickly on financial decisions with instant transfers between eligible accounts.
Please contact us to assist you at any time while you are transferring your account.

"How do I roll over a 401(k), IRA or assets from my company or another firm to Merrill?"

It's easy to roll over your assets to a Merrill IRA. If you already have the appropriate account type open, you can use our online transfer tool. Otherwise, call us at 888.637.3343 to get started.Footnote 1
Visit our Rollover Page to learn more about the options you have with your old 401(k).Footnote 2

What you'll need:

It takes just minutes to open your account online. Here's what you'll need:
  • Social Security number and date of birth
  • A valid mailing and email address
  • Employment information (such as annual income and household net worth)
  • Names and dates of birth for any beneficiaries
Have questions? Call Merrill at 888.637.3343.

"Why should I invest with Merrill?

Explore ways to invest

Learn about all the investment and account choices available at Merrill and find the options that work best for you.

Discover powerful tools

Search for investing ideas with Idea Builder, a powerful tool that helps you explore investments by theme.

Access how-to videos

Watch videos to learn how to make the most of your Merrill account. We'll guide you through choosing and opening an account, getting it funded, building a portfolio and more.

Choose a mobile platform you can trust

Merrill's secure mobile app lets you invest with confidence and manage your finances from the convenience of your mobile device.

Get rewarded for your combined balances

Maximize your rewards with the Bank of America Preferred Rewards program, which takes into account your combined Merrill investing and Bank of America deposit balances.

"How do I reset my user ID or password?"

Existing clients can change their login password by using our Password Reset tool. Forgot User ID and Password Reset.

"Can I transfer money between my Bank of America and Merrill accounts?"

Yes. One of the greatest benefits of linking your accounts is the ability to transfer money easily between your eligible Bank of America banking and Merrill investing accounts. You can make an immediate, one-time transfer between accounts, schedule transfers in the future and set up recurring transfers. Please note that you can only transfer money between your brokerage accounts on the Merrill Edge website. And, if you want to transfer money from a Bank of America account to another person's Bank of America account, you must do so through Online Banking.
To transfer cash between your Bank of America banking and Merrill investing accounts, link your accounts, and then use our online tool to make a transfer.

Do more with banking and investing connected

With your Merrill investing and Bank of America banking accounts connected through a single login, it's never been easier to manage your finances. Get a complete picture of your financial situation, bank and invest anytime, anywhere with our secure mobile app and act quickly on financial decisions with instant transfers between eligible accounts.
Please contact us to assist you at any time while you are transferring your account.

"How do I deposit money into my Merrill account?"

From Bank of America to Merrill

To transfer cash from a Bank of America or Merrill account, link your accounts, and then use our online tool to make an immediate transfer.Footnote 3

From another financial Institution to Merrill

To transfer cash or securities from an account held at another financial institution, use our transfer Assets Online (login required) tool to make the transfer. When that process is completed, you will be able to see that account in our online tool and will be able to transfer funds and set up one-time and recurring deposits.

Depositing a check

To deposit a check, please write your Merrill account number in the memo field of your endorsed check and deposit via the mobile app or mail it to one of the addresses below:
Regular mail
Merrill
P.O. Box 962
Newark, NJ 07101-0962
Overnight mail
Merrill
FL9-802-03-06
4803 Deer Lake Drive East
Jacksonville, FL 32246
877.653.4732

How do I find the ACH routing number and checking account number associated with my account?"

If you ordered checks for your account, you can find the routing and account numbers along the bottom left side of the check. The Merrill routing number is the first nine digits (084301767), and the account number is the second nine digits. The last four numbers indicate the check number.

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Footnote 
Other fees may apply. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about Merrill pricing, visit our Pricing page.
Footnote 1 Did you know that there are two ways to move assets from one IRA to another? The most common is a transfer. This is when you transfer assets from an IRA held at one financial institution to an IRA at another. You may directly transfer assets between investment firms as frequently as you wish. The second, less common approach is called an indirect rollover. Rollovers occur when you withdraw assets from an IRA and then "roll" those assets back into the same IRA or into another one within 60 days. IRS rules limit you to one rollover per client per twelve month period. For more information on rolling over your IRA, 401(k), 403(b) or SEP IRA, visit our rollover page or call a Merrill rollover specialist at 888.637.3343.

Footnote 
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 (particularly with reference to employer stock), and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information visit our rollover page or call Merrill at 888.637.3343.
Footnote 
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, Bank of America Advantage SafeBalance Banking™, 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.
Footnote 
Other fees may apply. Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill pricing, visit our Pricing page.
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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.
Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary (PDF).

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, Member Securities Investor Protection (SIPC) popup and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp").
Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp.

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

Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity


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