Investing & Banking Connected

Bank with Bank of America.
Invest with Merrill Edge®.

Simplify your financial life with Merrill Edge—offering the investment insights of Merrill Lynch plus the convenience of Bank of America banking. You'll get access to a wide range of investments, research and insights, and one-on-one guidance when you need it—all with low standard pricing that beats out Fidelity, Schwab and E*TRADE1.

Investing & banking connected

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Bank and invest with one log-in—log in once to view and manage your Merrill Edge investment and Bank of America® bank accounts
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Real-time transfers—instantly move funds between your Merrill Edge investment and eligible Bank of America bank accounts3
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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
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Help when you want it—meet with a licensed Merrill Edge Financial Solutions Advisor™ at over 2,000 select Bank of America financial centers
Real time transfers from your iPad
Simple flat-rate pricing
Preferred Rewards offers real benefits and rewards on your Merrill Edge investment and Bank of America banking account balances. And when you enroll, as your qualifying balances grow, so do your program benefits.
Get up to 100 $0 online equity and ETF trades per month.2
Other fees may apply*

Online investing, streamlined

Simple flat-rate pricing
Simple flat-rate pricing
Get $6.95* per unlimited online equity and ETF trade with no trade or balance minimums.
Learn how to qualify for $0 trades2. See fee details.*
Full range of investments
Wide range of investments
Choose from a variety of stocks, bonds, ETFs, and well known mutual funds then narrow your choices with help from our powerful screening tools.
Simplified investing
Simplified investing
Simplify your search for the right investment with Merrill Edge Select® Funds & ETFs--mutual funds and ETFs evaluated and categorized by the professionals at Merrill Lynch.
Professionally managed portfolios
Professionally managed portfolios
Meet with a Merrill Edge Financial Solutions Advisor™ and choose a Merrill Edge Select® Portfolio4 aligned to your investment goals.
Research and insights
Research and insights
Make informed investment decisions with actionable insights, timely investing ideas from Morningstar, S&P Capital IQ, Dow Jones & Company and BofA Merrill Lynch Global Research.
Get one-on-one guidance
One-on-one guidance
Turn to us whenever you want one-on-one guidance to ensure you are getting the most out of Merrill Edge resources.
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
* Other fees may apply. Sell trades 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
Please note that the following fees and commissions apply only to Merrill Edge self-directed investing accounts. They do not apply to any other MLPF&S accounts.

1 Fidelity's standard online price is $7.95 per equity or ETF trade (excluding certain iShares and Fidelity ETFs offered commission-free). Schwab's standard online price is $8.95 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 $9.99, $7.99 for customers who trade at least 150 times per quarter, $6.99 for customers who trade 1,500+ times per quarter. Note: Competitive comparison pricing information as of 7/06/2015 excludes special promotional offerings.

2 $0 trades are only available with an individual or joint Merrill Edge self-directed brokerage account. When placing a trade, Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) determines whether you meet the balance or relationship requirements to qualify that trade for the $0 waiver. To determine the number of qualifying trades, MLPF&S adds the qualifying trades in your individual accounts and joint accounts. Commission fees apply when qualification requirements are not met, or when you exceed the number of qualifying trades a month.

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.

a) Commissions are waived for 30 online equity trades each month including stock and exchange traded funds (ETFs) on behalf of MLPF&S, for customers who meet any one of the following criteria:
i) Combined total of $25,000 or more in your deposit accounts at Bank of America, N.A. MLPF&S adds the average collected balances in your deposit accounts as of the prior month to the balances in your bank CD and IRAs as of the prior business day. Bank deposit accounts with the same Social Security number (SSN) as the SSN(s) on the self-directed brokerage account are systematically included in the balance determination. Standard deposit account fees apply.
ii) Or combined balance of $25,000 or more in cash balances in one or more of the following sweep options in your Merrill Edge self-directed account(s) as of the prior business day:

- Bank Deposit Accounts sweep option with your Cash Management Account® (CMA®)
- Retirement Assets Savings Program sweep with your IRA
iii) Or Client of U.S. Trust
iv) Or Client of Preferred Rewards Platinum
b) Commissions are waived for 100 online equity trades each month including stock and ETFs on behalf of MLPF&S, for customers who meet any one of the following criteria:
i) A Client of Preferred Rewards Platinum Honors
ii) Or Client of Banking Rewards Wealth Management U.S. Trust

This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at MLPF&S. Other fees and restrictions may apply. Relationship requirements and pricing are subject to change and/or termination without advance notice. To learn about additional ways to qualify for $0 trades, call 1.888.MER.EDGE (1.888.637.3343).

You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America personal checking account and maintain a three month average combined balance in your qualifying Bank of America deposit accounts and/or your qualifying Merrill Edge and Merrill Lynch investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. SafeBalance Banking accounts do not count towards the account or balance requirements, and do not receive the fee waivers and other benefits of the program. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Employee qualification requirements, please visit the Employee Banking & Investments website. The Preferred Rewards Gold tier does not include the $0 online equity and ETF trades via Merrill Edge®, a benefit that is currently available at the Platinum and Platinum Honors tiers of Preferred Rewards. Merrill Lynch Wealth Management clients with greater than $250,000 in assets with Bank of America and Merrill Lynch are eligible for additional banking benefits. Please speak with your Merrill Lynch financial advisor for details.

3 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.

4 The Merrill Edge Select Portfolios are part of the Merrill Edge Advisory Program and require participation in the program to invest. In addition the Merrill Edge Advisory Program is sponsored by Managed Account Advisors (MAA) an affiliate of MLPF&S. Please review the disclosure statement for a full description of services and fees.

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