Transfer Your IRA

 
Get
up to
$
600
when you transfer your current IRA directly into a Merrill Edge® IRA and enjoy the benefits of streamlined investing.
 
 
Simple flat-rate pricing (online stocks & ETFs). Other fees may apply.1
In-person advice
Real-time transfers4
Full range of investment choices
Mobile investing
Merrill Edge
2,000+3
locations
Fidelity
$4.95
170
locations
 
Charles Schwab
$4.95
300+
locations
 
E*Trade
$6.95
28
locations
 
Ameritrade
$6.95
126
locations
 

3 simple steps to transfer your IRA

Transferring your IRA is a convenient and tax-free way to consolidate your investments. The process (also known as a trustee-to-trustee transfer) is simple and we're here to help with award-winning service available 24/7.
1.

Open a Merrill Edge IRA

You can open an IRA online in minutes—just select the same type of account as the IRA that you're transferring (Traditional or Roth, for example). Here's what you'll need to open your IRA.
Already have an account? Log in
2.

Transfer your IRA assets

Call us 24/7 at 888.637.3343. We'll help you complete the transfer process—all you need is an account statement from your current IRA.
Or, you can complete the Transfer of Assets form (PDF) and mail it to us. You'll need the account name and number from the institution where you have your current IRA.
Transferring securities from another financial institution typically takes 8-10 business days. There is no fee when you transfer your assets to Merrill Edge.
3.

Start investing

Invest with advice when you need it
Invest with a licensed Merrill Edge Financial Solutions Advisor™, who can help you pursue your financial goals and plan for what matters most to you.

Why Merrill Edge?

Simplified account management—log in once to view and manage your Merrill Edge investment and Bank of America® bank accounts all on one page
 
Real-time transfers—instantly move funds between your Merrill Edge investment and Bank of America bank accountsFootnote 3
 
Access anytime, anywhere—see your Merrill Edge investment and Bank of America bank accounts online, on your mobile device and at thousands of Bank of America ATMs
J.D. Power Contact Center Certification
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 6
Barron's 2018 Best Online Brokers
One of the best online brokers, receiving 4 out of 5 stars five years in a row (2014, 2015, 2016, 2017, 2018).Footnote 5
Kiplinger's Best Online Brokers 2018
Received 5 out of 5 stars for "research" and "user experience" — Kiplinger's Personal Finance, "Best Online Brokers" 2018Footnote 7
Ready to get started?
888.637.3343
Call 24 hours a day, 7 days a week
600 dollar IRA offer
Get up to $600 when you enroll, open and fund a new Merrill Edge® investment account or IRA.
How to qualify
Footnote 1 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 To learn more about Merrill Edge pricing, visit merrilledge.com/pricing.

Some transfers may result in tax consequences, penalties or financial risk. Consult your tax and financial professionals before requesting a transfer.

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 2 Fidelity's standard online price is $4.95 per equity or ETF trade (excluding certain iShares and Fidelity ETFs offered commission-free). Schwab's standard online price is $4.95 per equity or ETF trade (excluding ETFs available through Schwab ETF OneSource™ when placed in a Schwab account that are available commission-free). E*TRADE's standard online price for equity, ETF or option trade is $6.95, $4.95 for customers who trade at least 30 times per quarter (as of March 13, 2017). TD Ameritrade's standard online price is $6.95 per equity or ETF trade.

Footnote 3 Available at select Bank of America locations

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.

Merrill Edge was one of 19 brokers evaluated in the Barron's 2018 Best Online Broker Survey, March 26, 2018. Barron's evaluated firms in—Trading Experience & Technology, Usability, Mobile, Range of Offerings, Research Amenities, Portfolio Analysis & Reports, Customer Service, Education, Security and Costs-to rate the firms. Merrill Edge earned the top overall score of 32.7 out of a possible 40. Learn more at http://webreprints.djreprints.com/54692.html. Barron's is a trademark of Dow Jones & Co., L.P. All rights reserved. Reprinted with permission of Barron's. 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.
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.
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.
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