Investing & Banking Connected

Invest with Merrill Edge®
and bank with Bank of America®

Simplify your financial life with the investment insights of Merrill Lynch,
the convenience of Bank of America banking and the benefits of
the Preferred Rewards program.

Investing & banking connected

Bank and invest with a single login

Log in once to view and manage your Merrill Edge investing and Bank of America banking accounts.

Anytime, anywhere access

View and manage your accounts 24/7 — online and on your mobile device.

Real-time transfers

Instantly move funds between your Merrill Edge investing and eligible Bank of America banking accounts.1

Help when you want it

Meet with a licensed Merrill Edge Financial Solutions AdvisorTM at more than 2,000 Bank of America financial centers.

Or call us 24/7 at 888.637.3343

Take advantage of a full range of banking solutions and the Preferred Rewards program

Watch the Preferred Rewards video (1:32)
With Bank of America Preferred Rewards, you enjoy real benefits and rewards on your Merrill Edge investing and Bank of America banking account balances. And as your balances grow, so do your benefits.2


Whether you are looking for a straightforward checking account with low fees or an interest-bearing one with complimentary services, Bank of America has checking accounts to meet your needs.
Pay no monthly maintenance fee on up to 4 checking accounts with the Preferred Rewards program.
Browse a wide selection of credit cards to find the right benefits for your lifestyle, including cash reward, travel reward and low interest rate options.
Get a rewards bonus of 25% to 75% on eligible credit cards with the Preferred Rewards program.4
Whether it's next year’s trip, a future home or a place for your nest egg to grow, a CD may help you meet your savings goals.
Own a small business? Take advantage of a full range of products, including checking and savings, merchant services, credit cards, loans, payroll, remote deposits and cash-management tools.
Choose from a variety of accounts to fit your individual and family goals, including money market savings and traditional savings accounts.
Get an interest rate booster on a Rewards Money Market Savings account with the Preferred Rewards program.3
Bank of America has assembled products, services and educational materials to make student banking and paying for college as easy as possible. Students under age 23 receive a monthly fee waiver on a Bank of America Core Checking® account.
An HSA can help you save on qualified medical expenses — including doctor visits, vision and dental care, and prescriptions — if you're enrolled in a qualified, high-deductible health plan. We also offer employee plans for businesses of all sizes.5


Bank of America's tools, information and guidance can help you move forward with the loan and new home that's right for you.
Receive a reduction in the origination fee of $200 to $600 on a new purchase or refinance loan with the Preferred Rewards program.6
Whether you're buying a new or used car or want to refinance a current car, comprehensive auto loan services and benefits can help steer you in the right direction.
Receive an interest rate discount of 0.25% to 0.50% on a new auto purchase or refinance loan with the Preferred Rewards program.7
Putting your needs front and center
Health Family Leisure Finances Home Work Giving
What matters most to you? Answer a few questions and we will provide you with personalized educational resources and recommended products and services to help you save and invest for the things that are most important to you.

Get started with Merrill Edge

Bank of America, N.A. Member FDIC. Equal Housing Lender

1 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 dropdown menu on the transfer screen.

2 You maintain your Preferred Rewards status 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 The Rewards Money Market Savings interest rate booster is only available to customers enrolled in the Preferred Rewards program. Your enrollment in Preferred Rewards will not automatically convert any existing money market savings account to a Rewards Money Market Savings account without your request. If your enrollment in the Preferred Rewards program is discontinued, the interest rate booster may be discontinued. View current Rewards Money Market Savings rates.

4 Enrolled clients with eligible credit cards can receive the Preferred Rewards Bonus in one of two ways: 1) For BankAmericard Cash RewardsTM credit cards, the Preferred Rewards Bonus will be applied when you redeem cash rewards into a Bank of America® checking or savings account or an eligible Merrill Lynch Cash Management Account®. For example, if you redeem $100 in cash rewards, we will add $25, $50 or $75 to your redemption amount, based on your tier when you redeem. Redemptions for a statement credit or personal check will not receive the Preferred Rewards Bonus. 2) For all other eligible credit cards (such as BankAmericard Travel Rewards® cards), the Preferred Rewards Bonus will be added to the base rewards you earn with each purchase. For example, if you earn 100 base rewards, we will add 25, 50, or 75 bonus rewards, based on your tier when the purchase posts to your account. The Preferred Rewards Bonus will replace the 10% customer bonus you may receive with your card(s). Any other bonus rewards (e.g., account-opening bonuses and merchant-based bonuses) will not receive the Preferred Rewards Bonus. Visit for a complete list of ineligible cards.

5 Bank of America, N.A., a wholly owned banking affiliate of Bank of America Corporation (BofA Corp.) and member FDIC, makes available the Health Savings Account as a custodian only.

6 The mortgage origination fee reduction is available to clients who are enrolled or are eligible to enroll in Preferred Rewards at the time of application for a new purchase or refinance loan (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). Amount of the reduction ($200 for Gold tier, $400 for Platinum tier and $600 for Platinum Honors tier) is based on your eligible tier at the time of mortgage application and is not subject to adjustment. This reduction will not exceed the amount of the Lender Origination Fee. Eligibility will be available three or more business days after the end of the calendar month in which you satisfy the requirements. For details on requirements, read the Preferred Rewards Addendum to the Personal Schedule of Fees (PDF). Benefit is non-transferable.

7 Auto loan preferred interest rate discount of 0.25% to 0.50% is valid only for customers who are enrolled in Preferred Rewards or Banking Rewards for Wealth Management at the time of auto loan application and who obtain a Bank of America auto purchase or refinance loan. The maximum preferred interest rate discount on a Bank of America auto loan is 0.50%. This preferred interest rate discount is not reflected in our published rates at but will be reflected in the interest rate quoted upon loan approval. Discounts are only available on new auto loan applications submitted by you to Bank of America and not applications submitted through dealerships. Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply.