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FAQs

Top Frequently Asked Questions

How do I transfer an account or assets from another firm to Merrill Edge?
  1. You will need an account with the same type and ownership (such as individual, joint or custodian) at Merrill Edge 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.
  2. Have a copy of your most recent statement from the account you want to transfer to Merrill Edge.
  3. To start the transfer process:
    1. To transfer cash, including money markets funds held at a financial institution other than Bank of America, use our Funds Transfer Service form (.pdf). When this process is complete, you will be able to set up recurring deposits and wire funds without delays or fees.
    2. To transfer securities or an account from another financial firm, use our Transfer Assets Online tool to make the transfer. Start with this tool to transfer some assets or complete accounts held somewhere else.
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.
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 of 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 Edge accounts?
Yes. One of the greatest benefits of linking your accounts is the ability to transfer money easily between your eligible banking and brokerage 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 and Merrill Lynch accounts, link your accounts, and then use our online tool to make a transfer.
How do I deposit money into my Merrill Edge Account?
To transfer cash from a Bank of America or Merrill Edge account, link your accounts, and then use our online tool to make an immediate transfer.
To transfer cash or securities from an account held at another financial institution, please complete our Funds Transfer Service form (.pdf). 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.
To mail a check, please write your Merrill Edge account number in the memo field of your endorsed check and mail it to one of the addresses below:
Regular mail
Merrill Edge
P.O. Box 962
Newark, NJ 07101-0962
Overnight mail
Merrill Edge
FL9-802-03-06
4803 Deer Lake Dr E
Jacksonville, FL 32246
1.877.653.4732
What types of transfers can I make online?
You can transfer money (including money markets funds held at a bank other than Bank of America N.A. or its affiliated banks), securities in an account not at Merrill Edge or an investment account at another financial firm with our Transfer Assets Online tool. Although you can also transfer brokered CDs with our online tool, please be aware that you may be responsible for the liquidation, transfer, termination, surrender and penalty fees when you liquidate these assets. Please check with the other financial firm holding your assets for more information.
What types of accounts can I transfer?
In general, you can transfer brokerage accounts, Traditional, Roth, Rollover and SEP IRAs, custodian accounts and estate trusts, as long as the ownership of the two accounts is the same. Please contact us before initiating a transfer of an account with a power of attorney.
Although we can accept transfers of retirement assets, restrictions may apply. For example, assets cannot be transferred without penalty from a SIMPLE IRA to a Traditional or Rollover IRA for two years from the first contribution. Instead, you must transfer assets from a SIMPLE IRA to another SIMPLE IRA during that time period. After the initial two-year period, you can transfer assets from a SIMPLE IRA to a Traditional or Rollover IRA without penalty.
Some mutual funds may not be eligible for transfer.
Certificate of Deposits (CDs) typically take four to six weeks to transfer. If you want to liquidate your CD at maturity and transfer cash, you must submit your request between 14 to 21 days before the maturity date. If we receive your request 14 days or less from the maturity date, we will process the transfer on a best effort basis. No transfers will be processed for CDs that mature beyond 21 days. Please note: If you liquidate a CD before maturity, you will likely incur a penalty. Please contact your transferring bank or credit union for more information.
If you would like to transfer margin positions, you must have a valid Merrill Edge margin agreement in place for the account you want to transfer these assets to. If you do not have a Merrill Edge margin agreement, please contact us before starting the transfer process.
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 Edge 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.
If you have not ordered checks for your account, you still have a checking account number assigned to your CMA account. Once your account is opened you can call our Investment Center at 1.866.867.6730 to retrieve your account number.
Can I deposit a check into any of my Merrill Edge accounts using a mobile device?
You can use a mobile device to deposit checks into any of the following accounts:
  • Cash Management Account (CMA)
  • Cash Management Sub Account
  • CMA for Trust Account (as allowed by the trust)
  • CMA for Trust Sub Account (as allowed by the trust)
  • Loan Management Account (LMA)
  • Working Capital Management Account (WCMA - Business)
  • Working Capital Management Account Sub Account
  • Endowment Management Account
  • Medical Savings Account
  • Business Investor Account
Our mobile check deposit feature is not available until 30 days after the account opening date and is not available for certain account types such as IRAs and international accounts.
Is my account insured?
Your brokerage accounts are not FDIC insured, but rather accounts held with Merrill Edge are SIPC insured. SIPC insurance covers your account up to $500,000 in equity with up to $250,000 in cash. Coverage above SIPC limits is covered by Lloyd's of London. Customers who have exceeded the full SIPC limits have further protection provided by the Lloyd's policy, subject to an aggregate loss limit of $1 billion for all customer claims, and includes up to $1.9 million cash per customer (excluding any FDIC eligible products within the account).

Open an Account

How do I open a new account?
It takes just minutes to open your account online. Here's what you'll need.
If you need help, give us a call at 1.888.637.3343—24 hours a day, 7 days a week.
How long does it take for my deposit to be posted?
Deposits by check may take several days to clear. Redemptions or withdrawals may not appear for up to 15 days after the receipt of the checks, and subject to applicable laws and regulations, within six days of the receipt of funds.
How do I link an account?
You can add new single accounts to your online portfolio view using a simple three-step process. To link a single account, it must have the same name, Social Security Number and zip code as your User ID. You cannot link a joint account (i.e., one shared with a family member) online. To link an account, visit Account Preferences and click the Add an Account button to begin. If you have any questions, or would like us to add a joint account or remove an account from your online portfolio view, please contact us at 1.888.637.3343.
What are the current offers for opening an account?
You can get up to $600 when you when you enroll, open and fund a new Merrill Edge investment account. Learn how to qualify. Please visit our offers page for a complete list of offers.

Trading

Do my Merrill Lynch brokerage accounts qualify for $0 online equity and ETF trades?
No. Only Merrill Edge self-directed accounts are eligible for $0 online equity and ETF trades.2
How many $0 online equity and ETF trades can I make?
You can make up to thirty $0 online equity or ETF trades each calendar month.1 After the 30-trade limit is reached, the commission fee will be based on the criteria listed in the Fees and Commissions schedule. This offer does not apply to representative-assisted trades or to options, mutual funds or fixed income trades. See fee details.
What are your account and transaction fees?
Merrill Edge offers simple flat-rate pricing of $6.95 per unlimited online equity and ETF trades.1 There are no trade or balance minimums. Compare and you'll see we offer some of the lowest online pricing in the industry—lower than Fidelity, Schwab and E*Trade.3 Please visit our pricing page to view all pricing details.
When can I place trades during extended hours trading?
Pre-market and after-hours trading is available Monday through Friday on days when the market is open. Pre-market trading is available from 7:30 a.m. to 9:30 a.m. ET. After-hours trading is from 4:01 p.m. to 8:00 p.m. ET.
On any day, extended-hours trading may be unavailable, delayed, interrupted or terminated early without prior notice. Extended-hours trading is not available on days the market is closed, preceding a market holiday or if the market is closed due to an emergency. This service is not available for clients using a 10-digit User ID.
Can I trade on margin?
Yes. You can trade on margin by using the Margin Lending Program margin-loan service. During the account opening process, you have the ability to opt in and sign the margin agreement. If you do not accept the agreement during account opening, you subsequently may submit a margin agreement form to gain access. As a Merrill Edge client, you can access credit based on the value of the margin-eligible securities in your Merrill Edge account.
On what exchange does Merrill Edge execute orders?
Merrill Edge trades on all major domestic exchanges.
What types of mutual funds can I trade online?
Start your search for the mutual funds that may be right for you with Merrill Edge Select® Funds—pre-screened by the professionals at Merrill Lynch. Our mutual funds screener can help you find the funds that best match your investment goals.
Can I demo MarketPro®?
No. MarketPro® is available only to clients with an account. Learn more about MarketPro®.

Mobile

How can I download the Merrill Edge mobile app?
You will need an iPad®, iPhone® or Android™ device. In addition, you will need an investment account that is enrolled in Merrill Edge. Once you download the app, you will use the same User ID and Password you use to log on to merrilledge.com. You will need to verify your Personal Image & Phrase, just as you would on the website. Learn more about our mobile investing options
What is the cost to use the Merrill Edge mobile app?
There is no charge to download and use the mobile app. Depending on your device, you may be charged access fees by your wireless service provider. Please check with your provider for details.
How secure is the Merrill Edge mobile app?
We are committed to protecting your privacy and use the same advanced encryption technology on this device as we use on our website. Learn more about our Privacy Policy.
How do I download the Merrill Edge mobile app?
Merrill Edge for iPad®, iPhone® or Android™ is available for free through the App store or Google Play.

Privacy & Security

Where can I learn about online security?
Your online security is extremely important to us. To learn more about our security procedures, please visit our Privacy & Security Center.
What security features are in place?
To safeguard you, Merrill Edge has implemented multiple new or enhanced security features to protect your personal information, prevent unauthorized access, and deter phishing—a criminally fraudulent process of attempting to acquire usernames, passwords and credit card details, by people masquerading as trustworthy entities—in electronic communications.
  • Clients create a personalized User ID. Step-by-step instructions are provided throughout your initial login process during the User ID conversion.
  • IBM® Security Trusteer Rapport™ is online fraud protection software—free for Merrill Edge or Bank of America clients—which delivers extra security while you're signed into your account. Rapport works alongside your existing anti-virus software and firewall to prevent fraudulent websites from stealing your online ID, password and other sensitive information. Please visit Trusteer's website to learn more about Rapport and download the software. http://www.trusteer.com/landing-page/merrilllynch
  • To ensure you're on the right site once you log in to your account, look for the green lock and site name in your browser's address bar.
  • As an added layer of security, we have clients answer three personal security questions. If we detect suspicious login activity, we will ask you to answer some of the security questions before providing access to your account information.
How do I change my online password?
Go to Log-in & Security Settings, and follow the on-screen instructions.
Looking for one-on-one advice?
Meet with a licensed Merrill Edge Financial Solutions Advisor™ in person or on the phone, who will help you pursue your financial goals and plan for what matters most to you.

Contact Us

888.637.3343
Call 24 hours a day, 7 days a week
Rated an outstanding customer service experience by JD Power
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 6 years in a row.5
Barron's 2016 Best Online Brokers. 4 out of 5 stars.
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. When placing a trade, Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) determines whether you meet the balance or relationship requirements to qualify that trade for the $0 waiver. To determine the number of qualifying trades, MLPF&S adds the qualifying trades in your individual accounts and joint accounts. Commission fees apply when qualification requirements are not met, or when you exceed the number of 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.

a) Commissions are waived for 30 online equity trades each month including stock and exchange traded funds (ETFs) on behalf of MLPF&S, for customers who meet any one of the following criteria:
i) Combined total of $25,000 or more in your deposit accounts at Bank of America, N.A. 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. Standard deposit account fees apply.
ii) 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 option with your Cash Management Account® (CMA®)
- Retirement Assets Savings Program sweep with your IRA
iii) Or Client of U.S. Trust
iv) Or Client of Preferred Rewards Platinum
b) Commissions are waived for 100 online equity trades each month including stock and ETFs on behalf of MLPF&S, for customers who meet any one of the following criteria:
i) A Client of Preferred Rewards Platinum Honors
ii) Or Client of Banking Rewards Wealth Management U.S. Trust

This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at MLPF&S. Other fees and restrictions may apply. Relationship requirements and pricing are subject to change and/or termination without advance notice. To learn about additional ways to qualify for $0 trades, call 1.888.MER.EDGE (1.888.637.3343).

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. 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.

3 Comparison table data based on pricing as of 1/12/2015 and excludes special promotional offerings.

a E*TRADE's standard online price for equity, ETF or option trade is $9.99, $7.99 for customers who trade at least 150 times per quarter, $6.99 for customers who trade 1,500+ times per quarter.
b For TD Ameritrade ETFs: the ETF must be on list of 100+ commission-free ETFs and must be held for a minimum of 30 days in order to not incur a fee. Also, the user must be enrolled to qualify.
c Price per non-Schwab ETF
d Price per non-iShare ETF

4 Merrill Edge Roadmap® is available with a Merrill Edge Advisory Center™ account.

5 J.D. Power 2016 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 www.jdpower.com/ccc.

6 Merrill Edge was one of 16 brokers evaluated in the Barron's 2016 Best Online Broker Survey, March 19, 2016. 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 http://webreprints.djreprints.com/51875.html. Barron's is a trademark of Dow Jones & Co., L.P. All rights reserved. Reprinted with permission of Barron's.

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