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Investing & Banking Connected

 

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.

Awarded #1 for access to banking services

Merrill #1 for access to banking services for the seventh year in a row.
Footnote 
Merrill Edge Self-Directed was evaluated as one of 11 online brokers in StockBrokers.com 2021 Online Broker Review published on January 19, 2021. StockBrokers.com evaluated brokers using 256 variables across 7 categories. The Best In Class rating recognizes brokers that ranked in the top 5 in that category. Learn more at StockBrokers.com popup. Rankings and recognition from StockBrokers.com are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.

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 average balance requirement and enroll in Bank of America Preferred Rewards to start earning the rewards you truly deserve.

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
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
Securely send and request money from almost anyone in minutes, no matter where they bank.
Thanks for meeting up with me. It was nice catching up.
It was great seeing you too. I'll Zelle 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?

Available 24/7

Set up a meeting

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.
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.
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 bankofamerica.com/preferred-rewards for a complete list of ineligible cards.
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.

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.
The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).

You may also be able to obtain the same or similar services or types of investments through other programs and services, both investment advisory and brokerage, offered by Merrill; these may be available at lower or higher fees than charged by the Program. The services that you receive by investing through Merrill Guided Investing or Merrill Guided Investing with Advisor will be different from the services you receive through other programs. You may also be able to obtain some or all of these types of services from other firms, and if they are available, the fees associated with them may be lower or higher than the fees we charge.
Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including pricing, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. If there are multiple owners on this account, the information you provide should reflect the views and circumstances of all owners on the account. If you are the fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. Merrill Guided Investing is offered with and without an advisor.

Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and Managed Account Advisors LLC ("MAA") an affiliate of MLPF&S. MLPF&S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training.
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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.
Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary (PDF).

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, Member Securities Investor Protection (SIPC) popup and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp").
Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity


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