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Invest with Merrill® and Bank with Bank of America®

A financial life that's simple, connected and rewarding

Say hello to a financial experience that can simplify the way you manage money and rewards you for itFootnote 1 — who said you couldn't have it all?

Full-scale financial capabilities in the palm of your hands

Investing with Merrill and banking with Bank of America from the convenience of your mobile device make it a snap to keep track of your money at home or on the go.
  • Get a complete picture of your finances with a single login
  • Bank and invest anytime, anywhere with our secure mobile app
  • Act quickly on financial decisions with instant transfers between eligible accountsFootnote 2
Download the Merrill Edge app on the App Store. Download the Merrill Edge app on Google play.

#1 for access to Banking Services

Merrill Edge Self-Directed was awarded No. 1 for Bank Brokerage (for the tenth year in a row) — StockBrokers.com 2024 Annual Broker Review
Footnote 

Your combined Merrill investing and Bank of America deposit balances get you more

When your balances work together, you can maximize the rewards you earn. Just open a qualifying checking account, maintain the 3-month combined average daily balance requirement and enroll in Bank of America Preferred Rewards to start earning the rewards you deserve.

Bank of America Preferred Rewards

Preferred Rewards gives you more from life's everyday moments. Credit card purchases, auto payments, buying a new home and investing for retirement can all be more rewarding. With Bank of America Preferred Rewards, you get rewarded for the things you do every day. Footnote 1
I want to save for a big purchase Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
Earn a 5% interest rate booster on a Bank of America Advantage Savings account.Footnote 3
Earn a 10% interest rate booster on a Bank of America Advantage Savings account.Footnote 3
Earn a 20% interest rate booster on a Bank of America Advantage Savings account.Footnote 3
View all gold tier rewards
I want to buy a car  Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
You get a 0.25% auto loan interest rate discount.Footnote 6
You get a 0.35% auto loan interest rate discount.Footnote 6
You get a 0.50% auto loan interest rate discount.Footnote 6
View all gold tier rewards
I want to buy a home  Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
You get a $200 reduction on the orgination fee for a new purchase or refinance mortgage.Footnote 5
You get a $400 reduction on the orgination fee for a new purchase or refinance mortgage.Footnote 5
You get a $600 reduction on the orgination fee for a new purchase or refinance mortgage.Footnote 5
You get a 0.250% interest rate reduction when PayPlan is established.Footnote 5
View all gold tier rewards
I want to prepare for retirement  Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
Receive a 0.05% Merrill Guided Investing fee discount.Footnote 7
Receive a 0.10% Merrill Guided Investing fee discount.Footnote 7
Receive a 0.15% Merrill Guided Investing fee discount.Footnote 7
View all gold tier rewards
I want to build a budget and start saving  Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
Receive a 0.05% Merrill Guided Investing fee discount.Footnote 7
Receive a 0.10% Merrill Guided Investing fee discount.Footnote 7
Receive a 0.15% Merrill Guided Investing fee discount.Footnote 7
View all gold tier rewards
I want to travel more  Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
Earn a 25% credit card reward bonus with your Bank of America credit card.Footnote 4
Earn a 50% credit card reward bonus with your Bank of America credit card.Footnote 4
Earn a 75% credit card reward bonus with your Bank of America credit card.Footnote 4
View all gold tier rewards

Financial control that complements your lifestyle

Fund your brokerage account immediately so you can act fast on trades.
Hey, did you see that price alert for XYX? I think we should make that trade. What do you think?
I think you're right. Let me transfer money from checking. Can you make the trade?
Yeah, done! Go team!
For illustrative purposes only
Move money between checking, savings and investing accounts and watch the funds transfer instantly.Footnote 2
Hey mom! Can you add more money to my account? I have to buy books for that class I picked up.
Sure thing. I just transferred $200 in the app. Let me know if you see it.
I got it, thank you!
For illustrative purposes only
With Zelle®, you can securely send and request money from almost anyone, no matter where they bank.Footnote 8
Thanks for meeting up with me. It was nice catching up.
It was great seeing you too. I'll send you $26 for lunch.
Thanks, just got it!
For illustrative purposes only
Get automated assistance or help reaching real people online, over the phone or in person.
Hi! I am having issues accessing my account online. Can you help?
Hello! We are happy to help. Let me get you in touch with a representative right away.
OK, great!
For illustrative purposes only

Investing and banking that help turn today's dreams into tomorrow's reality

Whether you're looking for easier everyday banking services, personalized retirement solutions or smart college savings plans, we'll help you find the right accounts.

Ready to get started?

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Footnote 5 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.

Footnote 8 Zelle® should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle® to send money to those you do not know. Transfers require enrollment in the service with a U.S. checking or savings account and must be made from an eligible Bank of America consumer or business deposit account. Transactions between enrolled users typically occur in minutes and transactions between enrolled consumers do not typically incur transaction fees. We will send you an email alert with transaction details after you send money using Zelle®. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers a protection program for any authorized payments made with Zelle®. Regular account fees apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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