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MERRILL EDGE® SELF‑DIRECTED

Free online stock and ETF trades for Preferred Rewards membersFootnote 1Footnote 

Get even more with Preferred Rewards

$0 online stock and ETF trades for Preferred Rewards members
Gold Tier
New! 10 per month
Platinum Tier
30 per month
Platinum Honors Tier
100 per month

Enjoy the benefits of Merrill Edge® Self‑Directed

Personalized online investing
Flexible tools and customizable features let you invest the way you want and easily see how your portfolio is doing.
Research and insights
See what professional analysts are saying with access to research and insights that explain what may be driving as investment's price and why now might be a good time to buy, sell or hold.
Step‑by‑step guidance
Get the information you need to take the legwork out of choosing investments.
Investing & banking connected
You can view and instantly transfer funds between your Merrill investment accounts and Bank of America bank accounts.Footnote 2
Merrill Edge Self‑Directed was awarded #1 for Overall Client Experience from StockBrokers.com 2019 Annual Broker Review.Footnote 3

How it works

1
Choose an account
Select Get started Get started, choose from our variety of investment accounts and enter offer code 600ME.
Or call 1.888.MER.EDGE (888.637.3343)
2
Determine a bonus level
Cash reward
$100
$150
$250
$600
Qualifying assets
$20,000
$50,000
$100,000
$200,000+
3
Make a qualifying deposit
to your new account within 45 days and maintain your balance for at least 90 days. After that 90-day period, your cash bonus should arrive within 2 weeks.

There's more than one way to invest

Get a professionally managed portfolio aligned to your goals that's build, monitored and rebalanced by Merrill investment professionals.
Work one-on-one with your dedicated advisor who will help you build a comprehensive financial strategy and give you proactive recommendations to help grow and preserve your wealth.
Footnote 
Other fees may apply. Sales 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 pricing, visit our Pricing page.
Footnote 
You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America® personal checking or Bank of America Advantage Banking account and maintain a three-month average combined balance in your qualifying Bank of America deposit accounts and/or your qualifying Merrill 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. The combined balance is calculated based on your average daily balance for a three calendar month period. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on employee qualification requirements, please call Employee Financial Services or visit the Bank of America intranet site. Merrill Lynch Wealth Management clients with greater than $250,000 in assets with Bank of America and Merrill are eligible for additional banking benefits. Please speak with your Merrill financial advisor for details.
Footnote 
Eligibility: Commissions are only waived for online stock and ETF trades conducted via an individual or jointly owned self-directed personal CMA® or IRA account.

Merrill Edge waives its commission fee for:
  • 10 monthly online stock & ETF trades for Preferred Rewards Gold tier members
  • 30 monthly online stock & ETF trades for Preferred Rewards Platinum tier members
  • 100 monthly online stock & ETF trades for Preferred Rewards Platinum Honors tier members & Bank of America Private Bank clients
For details about commissions, transaction fees and any other fees that may apply, visit our Pricing page. Other restrictions may apply. Preferred Rewards for Wealth Management clients (formerly known as Banking Rewards for Wealth Management), other than Bank of America Private Bank clients, do not receive Merrill Edge® Self-Directed commissions waivers. Learn more about Preferred Rewards.
Footnote 
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.
Footnote 
Merrill Edge was evaluated as one of 16 online brokers in StockBrokers.com 2019 Online Broker Review published on February 20, 2019. StockBrokers.com evaluated brokers using 284 variables across 9 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.
Footnote 
Offer valid for new individual Merrill Edge IRAs or Cash Management Accounts (CMAs). Offer is limited to one CMA and one IRA, with no more than two enrolled accounts per accountholder. Eligible Merrill Edge IRAs limited to Rollover, Traditional, Roth and Sole-Proprietor SEP only. The Merrill Edge IRA or CMA may be a Merrill Edge Self-Directed account, Merrill Edge Advisory Account or Merrill Guided Investing account. You may be eligible for a different or better offer. Please contact us for more information.

Offer Limitations: This offer does not apply to business/corporate accounts, investment club accounts, partnership accounts and certain fiduciary accounts held with Merrill Edge, or to any types of accounts (including IRAs or CMAs) held with other business units of Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S). Merrill Edge reserves the right to change or cancel this offer at any time, without notice. This offer may not be used as an inducement to sell any kind of insurance, including annuities.

How it Works:

  1. You must enroll during account opening by entering the offer code in the online application or by providing it when speaking with a Merrill Edge Financial Solutions Advisor™ at 888.MER.EDGE (888.637.3343) or at select Bank of America financial centers. You are solely responsible for enrolling or asking to be enrolled in the offer.
  2. Fund your account with at least $20,000 in qualifying net new assets within 45 days of account opening. Assets transferred from other accounts at Bank of America, MLPF&S, U.S. Trust, or 401(k) accounts administered by MLPF&S do not count towards qualifying net new assets.
  3. After 90 days of meeting the funding criteria described in Step 2, your cash reward will be determined by the qualifying net new assets in your account (irrespective of any losses or gains due to trading or market volatility) as follows:
    Qualifying Net New Asset Balance Cash Reward
    Less than $20,000 $0
    $20,000 to $49,999 $100
    $50,000 to $99,999 $150
    $100,000 to $199,999 $250
    $200,000 or more $600
  4. Your one-time cash reward will be deposited into your Merrill Edge IRA or CMA within two weeks following the end of the 90 day period. If your account is enrolled in an investment advisory program, such as Merrill Edge Advisory Account or Merrill Guided Investing, any cash reward deposited into your account will be subject to the program fee and other terms of the investment advisory program.
Tax Disclaimer: The value of the reward you receive may constitute taxable income. Merrill Lynch may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of the reward. Please consult your tax advisor. Bank of America Corporation and its affiliates and associates do not provide tax advice.

You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over an employer-sponsored plan from your old job to your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit http://www.merrilledge.com/retirement/rollover-ira or call a Merrill Edge® rollover specialist at 888.637.3343 for more information about your choices.
Footnote 
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 custodian of this account for the benefit of another person, please keep in mind that these assets will be invested for the benefit of the other person. Merrill Guided Investing is offered with and without an advisor.

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

Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.

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:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value


MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC)Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.

© Bank of America Corporation. All rights reserved.

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