The power to put plans into action

At Merrill, we have the people, tools and personalized advice and guidance to help turn your ambitions into action.
Investing and banking made simple
Link your Merrill investing and Bank of America banking accounts to view and manage your accounts online and on your mobile device. With just one login, you can transfer funds instantly between your accounts.Footnote 1 Learn more
Preferred Rewards
Enjoy real benefits and rewards on your Merrill investing and Bank of America banking account balances. And as your balances grow, so do your benefits. Learn more
A full range of investments
Choose from a wide range of stocks, bonds, options, ETFs and well-known mutual funds or professionally managed portfolios.
Easy access to your accounts, tools and calculators
Check your accounts anytime, anywhere. Plus, take advantage of easy-to-use tools, calculators and worksheets, whether you're a beginner, intermediate or advanced investor.
Are you an active trader? Take advantage of Merrill Edge MarketPro®
Access to award-winning research & insights
Make more informed investment decisions with insights and perspectives, timely investing ideas and access to award-winning research from BofA Merrill Lynch Global Research.Footnote 2
What matters to you most
Use our tools, information and solutions to help you plan for what matters to you, from pursuing your retirement and other goals to managing your priorities.
Investing your way
At Merrill, you have the freedom to invest on your own terms—exactly the way you want. And as your investing needs change, you can feel comfortable knowing that we'll be there for you every step of the way.

Merrill Edge® Self Directed

Merrill Edge® Self Directed
A streamlined investing platform giving you access to researchFootnote 2 and insights, step-by-step guidance and flexible tools.
Free
Unlimited $0 online stock, ETF and option trades with no trade or balance minimumsFootnote 1
Option contract and other fees may applyAsterisk *
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.

Merrill Guided Investing

Merrill Guided Investing
An investment advisory program that combines the best features of online investing with a professionally managed portfolio — all at a low cost. Footnotes **
0.45%
Annual program feeFootnote *
Other fees may applyFootnote †
Qualify for discounted pricing
 
Minimum investment
$5,000
Footnote *Merrill Guided Investing and Merrill Guided Investing with Advisor have an annual program fee of 0.45% and 0.85%, respectively, based on the assets held in the account. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus.
Footnote 
The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds 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).

You may also be able to obtain the same or similar services or types of investments through other programs and services, both investment advisory and brokerage, offered by Merrill; these may be available at lower or higher fees than charged by the Program. The services that you receive by investing through Merrill Guided Investing or Merrill Guided Investing with Advisor will be different from the services you receive through other programs. You may also be able to obtain some or all of these types of services from other firms, and if they are available, the fees associated with them may be lower or higher than the fees we charge.
Footnote 
Other fees may apply. Sales of EFTs 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.

Merrill Guided Investing with an advisor

Invest with an advisor
With this investment advisory program, get the benefits of Merrill Guided Investing along with one-on-one guidance from an advisor.
0.85%
Annual program feeFootnote *
Other fees may applyFootnote **
Qualify for discounted pricing
 
Minimum investment
$20,000
Footnote 
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 advisers. Investment advisor registration does not imply a certain level of skill or training.
Footnote 
Other fees may apply. Sales of EFTs 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.
Have more complex wealth management needs?
Invest with a Merrill Lynch Wealth Management Advisor, a Merrill Private Wealth Advisor, or a team of Bank of America Private Bank specialists to help you grow, preserve and manage your wealth.Footnote 6
Merrill a Bank of America Company
Bank of America Private Bank
Help when you want it
Turn to us when you have questions or need help getting the most out of Merrill. For advice to help you get and stay on track, invest with a licensed Merrill Financial Solutions Advisor™.
Open an account
Or call us 24/7 at 866.460.1282.

Recognized for excellence

Merrill Edge Self-Directed was named the Best Broker for Customer Service in 2020, according to Investopedia. Footnote 3
Merrill Edge Self-Directed was awarded #1 for Overall Client Experience (for the second year in a row), #1 for access to Banking and #1 for ESG Investing in the StockBrokers.com 2020 Annual Broker Review.Footnote 4
Kiplinger's Best Online Brokers 2019
Merrill Edge Self-Directed ranked No.1 for User Experience, Kiplinger's Personal Finance -Best Online Brokers 2020, 2019 Footnote 5
Institutional Investor
BofA Merrill Lynch Global Research was ranked #1 in 2019.Footnote 2
Investopedia
StockBrokers.com
Kiplinger's
Institutional Investor

Important disclosures

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 
Institutional Investor magazine announced BofA Global Research as the Top Global Research Firm in 2019 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 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.
Footnote 
Merrill Edge Self-Directed received 3.5 out of 5 stars overall in Investopedia's Annual Review, March 17, 2020. Investopedia rates online brokers based on 12 key categories and 103 variables. Rankings for subcategories may vary. Learn more at Investopedia. Reprinted with permission of Investopedia. Rankings and recognition from Investopedia 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.
Footnote 
Merrill Edge Self-Directed was evaluated as one of 11 online brokers in StockBrokers.com 2021 Online Broker Review published on January 19, 2021. StockBrokers.com evaluated brokers using 256 variables across 7 categories. The Best In Class rating recognizes brokers that ranked in the top 5 in that category. Learn more at StockBrokers.com popup. Rankings and recognition from StockBrokers.com 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.
Footnote 
Merrill Edge Self-Directed was ranked 4 out of 11 online brokers by Kiplinger's Personal Finance's "Best Online Brokers," survey August 2020. To be included, firms had to offer online trading of stocks, ETFs, funds and individual bonds. Results based on ratings in the following categories: commissions and fees, investment choices, mobile app, tools, research, advisory services and user experience. Rankings for subcategories may vary. Learn more at Kiplinger's Personal Finance popup, August 2020 © 2020 The Kiplinger Washington Editors. Used under License. Merrill provides access to research from BofA Global Research, CFRA (powered by S&P Global), Morningstar and others. Rankings and recognition from Kiplinger's 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.
Footnote 6 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, Member SIPC, and a wholly-owned subsidiary of BofA Corp.
Footnote 
Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge® Self-Directed brokerage account. Brokerage fees associated with, but not limited to, margin transactions, special stock registration/gifting, account transfer and processing and termination apply. $0 option trades are subject to a $0.65 per-contract fee. Other fees and restrictions may apply. Pricing is subject to change without advance notice.
Merrill Private Wealth Management is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Private Wealth Advisors through MLPF&S. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill's obligations will differ among these services. The banking, credit and trust services sold by the Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks.
Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, a wholly owned subsidiary of BofA Corp.
Market indices or other benchmark returns are shown for comparison purposes only, and there is no assurance or guarantee that such performance will be achieved. Indices have not been screened or selected according to the investment style of the accounts. All indices are selected by the user and may or may not offer appropriate comparisons to your account. The indices available represent a subset of all indices used in various markets and the list may change over time. Indices are unmanaged. Individuals cannot invest directly in an index.
Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.
The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds 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).

You may also be able to obtain the same or similar services or types of investments through other programs and services, both investment advisory and brokerage, offered by Merrill; these may be available at lower or higher fees than charged by the Program. The services that you receive by investing through Merrill Guided Investing or Merrill Guided Investing with Advisor will be different from the services you receive through other programs. You may also be able to obtain some or all of these types of services from other firms, and if they are available, the fees associated with them may be lower or higher than the fees we charge.
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 advisers. Investment advisor registration does not imply a certain level of skill or training.
2949128