IRA: Traditional, Roth, Rollover

Merrill Edge® offers the accounts that fit your retirement

Plus, get up to $600 when you open and fund a new retirement account.1
Open a Merrill Edge® retirement account in just minutes
Use offer code ME600

Merrill Edge offers a variety of choices and tools to find a retirement account:

Roll over your 401(k)
Understand your choices when it comes to your old 401(k). Merrill Edge can help you find what best fits your needs: rolling it over to an IRA, maintaining it in a 401(k) with a new or former employer or cashing out.2
Roth IRA
Get greater withdrawal flexibility in retirement and the potential to earn federally tax-free income.
Traditional IRA
Enjoy tax-deferred growth potential with the possibility to reduce your current taxes.
Guidance and research
Make more informed investment decisions with easy-to-use tools, actionable insights and one-on-one guidance when you want it.
Personal Retirement Calculator
How much will you need to retire? Get your personal retirement number with our easy-to-use calculator.
IRA Selector tool
With a few simple questions, we can help you determine whether a Traditional or Roth IRA may better fit your needs.
4 bonus levels
Cash reward
Qualifying assets
$100
$20,000
$150
$50,000
$250
$100,000
$600
$200,000+
3 ways to enroll
  • Click "Get started" on this page to open your account.
  • Call 1.888.MER.EDGE (888.637.3343).
  • Ask a Merrill Edge Financial Solutions Advisor™ for the offer at select Bank of America financial centers.
2 qualifications
  • Make a qualifying deposit to your new account within 45 days.
  • Maintain your qualifying deposit for at least 90 days.
You'll receive your cash bonus within 2 weeks after the 90-day qualifying period.
4 bonus levels
Cash reward
Qualifying assets
$100
$20,000
$150
$50,000
$250
$100,000
$600
$200,000+
3 ways to enroll
  • Click "Get started" on this page to open your account.
  • Call 1.888.MER.EDGE (888.637.3343).
  • Ask a Merrill Edge Financial Solutions Advisor™ for the offer at select Bank of America financial centers.
2 qualifications
  • Make a qualifying deposit to your new account within 45 days.
  • Maintain your qualifying deposit for at least 90 days.
You'll receive your cash bonus within 2 weeks after the 90-day qualifying period.
1 Offer valid only for new Merrill Edge self-directed IRA or CMA accounts. Offer is limited to one per account type (CMA or IRA); two total per accountholder (or per all accountholders of a joint account). Eligible IRAs limited to Rollover, Traditional, Roth and Sole-Proprietor SEP IRAs only. This offer does not apply to Merrill Edge Guided Investing Accounts, Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held with Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S). Merrill Edge reserves the right to change or cancel this offer at any time.

How to Enroll: Customers must enroll by entering the offer code in the online application or providing the code when speaking with a Merrill Edge Financial Solutions Advisor at 888.637.3343 or select Bank of America financial centers.

How it works:

  1. Enroll in offer when you open an account or ask to be enrolled.
  2. Fund your account within 45 days with funds originating outside Bank of America and MLPF&S. Funds cannot originate from 401(k) accounts administered by MLPF&S.
  3. For purposes of this offer, qualifying balances are calculated by adding total incoming assets or transfers (including cash, securities and/or margin debit balance transfers) from external accounts, and subtracting assets withdrawn or transferred out of the account within the 90-day holding period.
  4. Assets of $20,000 to $49,999 in cash and/or securities receive $100; for $50,000-$99,999 receive $150; for $100,000-$199,999 receive $250; for $200,000 or more receive $600. You must have the qualifying balance 90 days after funding.
  5. Your one-time cash reward will be deposited into your IRA or CMA within two weeks after you meet qualifying criteria.
If your new account is a Merrill Edge self-directed IRA or CMA account, you also qualify for the following benefits:

  1. Commission-free trades begin within 5 business days of account opening and must be used within 90 calendar days; up to 300 trades per account. Commission-free trades are only applicable in the new self directed account and are limited to online equity and ETF trades. 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. Trades are not transferable and are not available for Merrill Edge Advisory Center accounts or other Merrill Lynch Wealth Management accounts. Merrill Edge does not, and this offer is not meant to, promote day trading or solicit engagement in day trading activities. Day trading can be extremely risky. Investors are solely responsible for their own investment decisions, and should research any investment strategy carefully before investing.
  2. Merrill Edge MarketPro Trial begins within 5 business days of opening your self-directed account and expires after 90 calendar days. To learn about additional ways to qualify for Merrill Edge MarketPro, see merrilledge.com/marketpro. Not available for employees of Bank of America or Merrill Lynch and business accounts.
Tax Disclaimer: The value of this reward you receive may constitute taxable income. In addition, Merrill Lynch may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of this reward. Please consult your tax advisor, as Bank of America Corporation and its affiliates and associates do not provide tax advice.

If insurance products are made available to clients through their account relationships with Merrill Lynch, note that waiver of fees, including account fees, may not be used as an inducement to sell any kind of insurance, including life insurance or annuities.

2 You have choices for what to do with your 401(k) or other type of plan-sponsored 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 a 401(k) from a prior employer to a 401(k) at 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 provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit merrilledge.com/rollover or call a Merrill Edge rollover specialist at 1.888.637.3343 for additional information about your choices.

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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.

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:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value


MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC)Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.

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