Tax‑free growth
Invest up to $5,500 ($6,500 if over the age of 50) and potentially lower your current tax bill while enjoying the opportunity for tax-deferred growth. Eligibility rules apply.
Simplify your financial life
See your Merrill Edge investing and retirement accounts and Bank of America bank accounts on one page with one login.
A full range of investments
Choose from a wide range of stocks, options, bonds, ETFs and well-known mutual funds or invest in a professionally managed portfolio by Merrill Lynch.
Straightforward Pricing
No matter how you choose to invest you can count on straightforward pricing with low fees and low investment minimums. Plus enjoy real benefits and rewards with Preferred Rewards.
$600
Get up to $600 when you invest in a new Merrill Edge account. How to qualify
If you contribute to an employer-sponsored plan, like a 401(k) or 403(b), you may still be eligible for a Roth IRA.

Pricing and fees

Pricing and fees

Simple flat-rate pricing

Simple flat-rate pricing
$6.95 unlimited online equity and ETF trades
Other fees may applyFootnote 2
Account minimum: $0
0.45% annual feeFootnote 6
Other fees may applyFootnote 2
Account minimum: $5,000
0.85% program feeFootnote 7
Other fees may applyFootnote 2
Account minimum: $20,000
Account minimum
$0
$5,000
$20,000
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 learn how to qualify for $0 trades with Preferred Rewards.Footnote 3 Other fees may apply.Footnote 2

Get started

Getting started is easy

Choose how you'd like to invest

Put your own investing ideas into action with a full range of investments, step-by-step guidance, easy-to-use tools and access to award-winning research.Footnote 11
To get started, open an account online, open an account online, and our Quick Start Guide will show you how to create an investment strategy, choose the right investments, and manage your portfolio.
Pursue your investing goals with an online investment advisory program and experience the best of online investing with professional portfolio managementFootnote 10 by Merrill Lynch.
To get started, tell us about yourself and your investing goal online. You'll get a recommended investment strategy and a recommended portfolio of ETFs aligned to your needs.
Work with a Merrill Edge Financial Solutions Advisor, who can help you pursue your financial goals and plan for what matters most to you.
To get started, schedule a complimentary review. You'll receive a personalized action plan and a recommendation for a professionally managed portfolioFootnote 10 of mutual funds and ETFs aligned to your needs.

Open your account

You can complete your account application online in minutes. 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 beneficieries

Fund your account

  • Transfer cash (real timeFootnote 4 or up to 3 days). Fund instantly from your linked Bank of America® banking or Merrill Edge® investing account — or within a few days.
  • Wire transfers (same day): Wire funds electronically from another financial institution.
  • Deposit a check (1 to 5 days): Using your mobile device, sign in to the Merrill Edge appFootnote 4 and click on Check Deposit. Or, mail it to: Merrill Edge, P.O. Box 962, Newark, NJ 07101.
  • Transfer accounts or securities (8+ days): Transfer an existing brokerage account, IRA account or securities from another financial institution online. You can also transfer securities instantly between your Merrill Edge accounts.
  • Roll over into an IRA (10+ days): Consolidate your retirement assets by rolling over accounts held in former employers' 401(k), 403(b) or 457 plans into a Merrill Edge IRA.Footnote 1

FAQs

FAQs
  • Contributions are subject to regular federal and state income taxes.
  • Earnings are tax-free if withdrawn after age 59½ and your account has been open for at least five years. This is true for both federal and in most cases state income taxes.
  • Contributions (not earnings) can be withdrawn tax-free at any time. And there is no required minimum distribution at or after age 70½.
  • Anyone can open and contribute to a Roth IRA as long as your modified adjusted gross income (your AGI after deductions) does not exceed $133,000 (2017, reduced amount) for single filers and $196,000 (2017, reduced amount) for joint filers and your earned income is equal to or greater than your IRA contribution amount for 2017.
  • If you contribute to an employer-sponsored plan like a 401(k) or 403(b), you are still eligible to open a Roth IRA as long as you meet the eligibility requirements above.
  • If you have no earned income but your spouse earns enough income to cover your contribution as well as their own, and their income (AGI) does not exceed the limits above, you can contribute to a Roth IRA account.
  • There's no limit to the number of individual retirement accounts (IRAs) you can own.
  • If you are under age 50, you may be able to contribute up to $5,500.Footnote 5 Beginning when you become 50 or older, you can make an additional $1,000 "catch up" contribution each year. Be aware of the potential penalties if you exceed your IRA contribution limits. Contributions must be made on or prior to each year's initial tax-return filing deadline for the corresponding year — which typically is April 15th. You may even be able to contribute to your Roth IRA after you retire.
  • At Merrill Edge, you'll have access to a full range of investment choices. Select from a wide array of stocks, bonds, options, ETFs, well-known mutual funds and managed portfolios.
  • You may also consider investing in a Money Market IRA or Featured CD IRA offered through Bank of America, N.A.
  • It takes just minutes to open your account online. Then, you can quickly fund your new Merrill Edge account and start investing with help from a variety of free resources. Visit the Get StartedGet Started section for details.
  • To convert to a Roth IRA, call us at 888.637.3343 888.637.3343 for assistance, and we'll guide you every step of the way. We can help you convert any of these types of accounts:
    • For a Traditional IRA at Bank of America or Merrill Edge, we will help you open a Roth IRA and fill out the conversion form. Here's what you'll need to convert to a Roth IRA Here's what you'll need to convert to a Roth IRA
    • For an IRA outside of Bank of America or Merrill Edge, we will help you transfer your Traditional IRA and assist you with the Roth IRA conversion
    • For assets in a 401(k) from a former employer, we will help you transfer your assets from your 401(k) and assist with the Roth IRA conversion

Recognized for excellence

J.D. Power Contact Center Certification
An outstanding customer service experience
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 7 years in a row.Footnote 8
Kiplinger's Best Online Brokers 2017"
Received 5 out of 5 stars for "research" and "user experience" — Kiplinger's Personal Finance, "Best Online Brokers" 2018Footnote 9

Help when you need it

Call 888.637.3343888.637.3343
Call 24 hours a day, 7 days a week
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 account 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, and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit http://www.merrilledge.com/retirement/rollover-ira or call a Merrill Edge® rollover specialist at 888.637.3343 for more information about your choices.

Important disclosures

Footnote 
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 merrilledge.com/pricing.
Footnote 
Eligibility: Commissions are only waived for online stock and ETF trades conducted via an individual or jointly owned online investing and trading personal CMA or IRA account.

Qualify for 30 $0 online stock and ETF trades per month as a Preferred Rewards Platinum client.

Or qualify for 100 $0 online stock and ETF trades per month (meet either one of these criteria):
  • Preferred Rewards Platinum Honors client
  • U.S. Trust Client
For details about commissions, transaction fees and any other fees that may apply visit merrilledge.com/pricing. Certain account types are not eligible. Other restrictions may apply. Relationship requirements and pricing are subject to change and/or termination without advance notice. For full details about ways to qualify for $0 trades, call 888.MER.EDGE (888.637.3343).
Footnote 4 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, 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 
Contribution and compensation limits are subject to a cost-of-living adjustment annually pursuant to the Internal Revenue Code. Contribution and compensation limits for subsequent years may vary.
Equity securities sold through Merrill Edge self-directed investing are subject to stock market fluctuations that occur in response to economic and business developments.

Investing in Mutual Funds and ETFs involve certain risk. Investment returns may fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost.

Investing in fixed-income securities may involve certain risks, including the credit quality of individual issuers, possible prepayments, market or economic developments and yields and share price fluctuations due to changes in interest rates. When interest rates go up, bond prices typically drop, and vice versa.

A Brokered Certificate of Deposit is different than a bank Certificate of Deposit. It is sold for a bank by a broker while a Certificate of Deposit can be purchased directly from a bank. Brokered CDs may offer higher rates of return, but their value may fluctuate with changing interest rates. Banking products are provided by Bank of America, N.A. and affiliated banks. Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

The offering of cash rewards, free trades, waiver of fees (including account fees), and/or any other thing of value may not be used as an inducement to sell any kind of insurance, including life insurance or annuities.

There is a single, 5-year holding period when determining whether earnings can be withdrawn federal (and, in most cases, state) income tax-free as part of a qualified distribution from a Roth IRA. This period begins January 1 of the year of the first contribution to any Roth IRA account.

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.

Footnote 6 The fee is based on the assets held in the account and is charged monthly in advance. Program fees include portfolio management and trading costs, as well as ongoing support. The annual account fee does not include underlying fees charged by the ETFs in your portfolio. Each ETF in your account charges these expenses to all shareholders. These fees range from approximately 0.07% to 0.14% per year. Please note that this range will fluctuate and can be higher or lower at any point in time. Actual ETF expenses could vary; please refer to ETF prospectuses. In addition, the SEC charges a small fee to each sales transaction, ranging between $0.01 and $0.03 per $1,000 of principal. Other fees may include transfer, exchange and fund-redemption fees; conditional deferred sales charges; and markups or markdowns. For additional fee details, see the Merrill Edge Guided Investing program brochure.

Footnote 
Please review the Merrill Edge Guided Investing Program Brochure (PDF) for important 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. This program is not offered through an advisor. Merrill Edge investment advisory programs are offered by MLPF&S. MLPF&S and Managed Account Advisors LLC (MAA) are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training.
Footnote 7 The fee is based on the assets held in the account and is charged monthly in advance. Program fees include portfolio management and trading costs, as well as ongoing support. The annual account fee does not include underlying fees charged by the funds in your portfolio. Each fund in your account charges these expenses to all shareholders. These fees range from approximately 0.07% to 0.70% per year. Please note that this range will fluctuate and can be higher or lower at any point in time. Actual fund expenses could vary; please refer to fund prospectuses. In addition, the SEC charges a small fee to each ETF sales transaction, ranging between $0.01 and $0.03 per $1,000 of principal. Other fees may include transfer, exchange and fund-redemption fees; conditional deferred sales charges; and markups or markdowns. For additional fee details, see the Merrill Edge Advisory Account program brochure (PDF).

Footnote 
J.D. Power 2017 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. The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or investment outcome.
Footnote 
Merrill Edge was ranked 5 out of 8 online brokers by Kiplinger's Personal Finance's "Best Online Brokers" survey October 2018. To be included, firms had to offer online trading of stocks, ETFs, funds and individual bonds. Results based on ratings in the following categories: Total Commissions Score, Breadth of Investment Choices, Tools, Research, Ease of Use, Mobile Access, and Advisory Services. Learn more at https://www.kiplinger.com/slideshow/investing/T052-S002-best-online-brokers-2018/index.html from Kiplinger's Personal Finance, October 2018 © 2018 The Kiplinger Washington Editors. Used under License. Merrill Edge provides access to research from BofA Merrill Lynch Global Research, CFRA (powered by S&P Global), Morningstar and others. The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or investment outcome.
Footnote 
Global Wealth & Investment Management Chief Investment Office (CIO) develops the investment strategies for Merrill Edge Guided Investing, including providing its recommendations of 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 & sale of ETFs 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).
Footnote 
Institutional Investor magazine announced BofA Merrill Lynch Global Research as one of the top global research firms from 2011-2017 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 Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and/or one or more of its affiliates. MLPF&S is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. For more information about this award, go to https://www.institutionalinvestor.com/article/b15x58zthqmjry/the-worlds-best-research-firm. The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or investment outcome.
ART4BSH6-EXP032119
Connect with us:
LinkenIn
Twitter
YouTube
Connect with us:
LinkenIn
Twitter
YouTube
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.

© Bank of America Corporation. All rights reserved.

AR7S5VNY-EXP052219