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Investing & Banking Connected

Invest with Merrill®
and bank with Bank of America®

Simplify your financial life with the investment insights of Merrill,
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 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 investing and eligible Bank of America banking accounts.Footnote 1

Help when you want it

Meet with a licensed Merrill Financial Solutions Advisor™ 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

Enjoy real benefits and rewards on your Merrill investing and Bank of America banking account balances. And as your balances grow, so do your benefits.Footnote 2 Learn More Learn more about Preferred Rewards accounts on Bank of America


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.Footnote 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 Bank of America Advantage Savings account with the Preferred Rewards program.Footnote 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 24 (effective 4/21/17) 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.Footnote 5
A Charitable Gift Fund is an easy-to-open, cost-effective tool to help you organize your charitable giving. You make a contribution, receive a tax benefit in the current year, and then recommend charities to receive grants.Footnote 8


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 mortgage with the Preferred Rewards program.Footnote 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 mortgage with the Preferred Rewards program.Footnote 7
Putting your needs front and center
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

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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, Bank of America Advantage 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.
To enroll in the Preferred Rewards program you must have an active, eligible Bank of America personal checking account and maintain a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier in your combined qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). The qualifying balance is calculated based on your average daily balance for a three calendar month period. Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. 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 Financial Services intranet site.
The Bank of America Advantage Savings interest rate booster is only available to enrolled Preferred Rewards members. Your enrollment in Preferred Rewards will not automatically convert any existing savings account to a Bank of America Advantage Savings account without your request. If your enrollment in the Preferred Rewards program is discontinued, the interest rate booster may be discontinued.
Certain credit cards are eligible to receive the Preferred Rewards bonus. Enrolled Preferred Rewards members can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors tier based on their Program tier and type of card. If your product receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. The Preferred Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 125, 150 or 175 points based on your tier when the purchase posts to your account. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. The Preferred Rewards bonus also does not apply to the bonus earn for certain programs. This information can be found in the Program Rules associated with those credit cards. Other terms and conditions apply. Please refer to your card's Program Rules for details about how you will receive the Preferred Rewards bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card.

Visit for a complete list of ineligible cards.
Footnote 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.

Footnote 6 The 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. Some discounts cannot be combined. For details on requirements, visit the Preferred Rewards section of the Personal Schedule of Fees. Benefit is non-transferable.

Auto loan preferred interest rate discount of 0.25% to 0.50% is based on reward tier and valid only for enrolled Preferred Rewards members or Preferred Rewards for Wealth Management clients at the time of auto loan application 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 on our website but will be reflected in the interest rate quoted upon loan approval. Discounts are only available on 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.
Footnote 8 A public charity as described in the Internal Revenue Code Sections 501(c)(3), 509(a)(1) and 170 (b)(1)(A)(vi).