General Investing

Online brokerage account

Pursue your investment strategy with an online brokerage account

Enjoy a streamlined investing experience that combines the convenience of Bank of America® banking and the investing insights of Merrill Lynch. Select from a full range of investment choices, including stocks, bonds, ETFs, options and thousands of well-known mutual funds.
May be a good move for:
  • Maintaining the flexibility of a cash-managed account
  • Accessing a full range of investment choices
Call us
Or call us 24/7 at
Get up to
when you open and fund a new Merrill Edge investment account or IRA.

Features and benefits

The benefits of an online brokerage account

  • Choose from individual accounts, joint accounts and custodial accounts
  • Trade anytime, anywhere online and with our mobile app
  • Monitor your investment performance
  • Make real-time transfers between your Bank of America® bank and Merrill Edge investment accounts. Footnote 1
  • Manage everyday transactions with check writing, a Visa® deferred debit card and online bill pay
  • Generate investment ideas from BofA Merrill Lynch Global Research—ranked #1 Global Research House by Institutional Investor 6 years in a row. Footnote 2

Investment choices

Choose from a wide range of stocks, bonds, ETFs and well-known mutual funds with easy-to-use tools to help you narrow down your investment choices.
For a simpler approach to investing, consider Merrill Edge Select® Portfolios, which offer a diverse portfolio of investments aligned to your goals and risk tolerance—pre-screened, monitored and adjusted by the investment professionals at Merrill Lynch. Footnote 5, 6, 7

Pricing and fees

Merrill Edge offers simple, flat-rate pricing of $6.95 per unlimited online stock and ETF trades—with no trade or balance minimums. Or learn how to qualify for $0 trades with Preferred Rewards.

Online brokerage account fees

Annual account fee
Minimum funding requirement
Additional transaction, service and investment fees
Other fees may apply. 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 Edge pricing, visit our Pricing page.

Get started

It's as easy as 1-2-3

Open an account

Open your account online in minutes. Here's what you'll need:
  • Social Security number and date of birth
  • A valid mailing and email address
  • Employment information (including company name, address and start date)
  • General financial information (such as annual income and household net worth)
  • Names and dates of birth for any beneficiaries
Or call us 24/7 at 866.460.1282

Fund your account Footnote 4

There are several ways to fund your new account:

Transfer Cash

Real-time. Footnote 1
Fund instantly from your eligible linked Bank of America® bank account or Merrill Edge investment account.
Up to 3 business days
Fund within a few days from an eligible linked account at another financial institution.

Wire transfer

Same day
Wire funds electronically from another financial institution.

Write a check

3 to 5 days
Fund your account by mailing a personal, cashier's or bank check.

Transfer accounts or securities

8 or more days
Transfer an existing brokerage account, IRA account or securities from another financial institution. You can also transfer securities instantly between your Merrill Edge accounts.

Start investing

Create an investment strategy:
Build a balanced portfolio aligned to your investment goals in 3 easy steps.
Find the right investments:
Choose from a variety of stocks, bonds, ETFs and thousands of mutual funds. Narrow your investment choices with our easy-to-use screening tools.
Manage your portfolio:
Access your new Merrill Edge investment account anytime, anywhere—online, on your mobile device and at thousands of Bank of America® ATMs.
Other ways to invest
Guided Investing
Pursue your investing goals online with a low‑cost managed portfolio.
Merrill Guided Investing with an advisor
All the benefits of Merrill Guided Investing with an advisor who will discuss your priorities and provide advice and guidance to help you pursue your goals
Learn more
Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for 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. If there are multiple owners on this account, the information you provide should reflect the views and circumstances of all owners on the account. If you are the custodian of this account for the benefit of another person, please keep in mind that these assets will be invested for the benefit of the other person. Merrill Guided Investing is offered with and without an advisor.

Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. Investment advisor registration does not imply a certain level of skill or training.

Important risk disclosures

1 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 and 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.
Institutional Investor magazine announced BofA Merrill Lynch Global Research as one of the top global research firms from 2011-2018 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. BofA Merrill Lynch Global Research is research produced by BofA Securities, Inc ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC popup, and wholly owned subsidiary of Bank of America Corporation. For more information about this award, go to Institutional Investor popup. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
4 Fees and expenses are subject to change. Please note that other fees and expenses may apply, including early withdrawal penalties and trustee transfer fees. For Merrill Lynch, Pierce, Fenner & Smith Incorporated's standard brokerage fees, please see the Miscellaneous Fees schedule. For Bank of America N.A.'s fees, see your Personal Schedule of Fees.
6 Diversification, asset allocation and rebalancing do not ensure a profit or protect against loss in declining markets.
7 Global Wealth & Investment Management Chief Investment Office ("GWIM CIO") develops the investment strategies for Merrill Edge Select Portfolios, including providing its recommendations of mutual funds, 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 Select Portfolios strategies for client accounts, including facilitating the purchase and sale of mutual funds and ETFs in client accounts and updating account asset allocations when the GWIM CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).
BofA Merrill Lynch Global Research is equity research produced by Merrill Lynch, Pierce, Fenner & Smith Incorporated and/or one or more of its non-U.S. affiliates.
Merrill Edge self-directed investing is intended to be a fully-electronic, internet based brokerage service. This means that all notices, statements, disclosures and other information regarding this service and your account will be sent to you electronically via or to your last designated email address.