Work the way that’s best for you—with professional advice and guidance or with the tools to help you do it on your own.

Merrill Lynch, together with Bank of America, now has more financial solutions to help you pursue the tomorrow you always wanted. Whether you’re looking for holistic personalized advice and guidance across all your investment and banking needs, or prefer to invest on your own with access to Merrill Lynch tools and resources, we’re here to help.
Find the service that’s right for you.
Generally for clients who make their own investment decisions; no minimum asset level required to open an account1.
  • Invest independently through Merrill Edge
  • Get online equity trades as low as $02
  • Access powerful investment tools and services, and in-depth research
  • Take advantage of comprehensive investment choices including stocks, mutual funds, ETFs, bonds
  • Single login access and easy fund transfers between your bank and brokerage accounts3, 4
Generally for clients seeking advice and guidance and who plan to invest $20,000-$250,000 through Merrill Edge.
  • A team of Financial Solutions Advisors offers advice and guidance over the phone, based on a holistic view of your financial situation
  • Get a personalized strategy to help you pursue your financial goals
  • Receive investment recommendations with a foundation in mutual funds, as well as a mix of investments suited to your needs
  • Receive two written portfolio reports a year and ongoing access to advice and guidance when you need it
  • Track changes in your portfolio with free, automated account monitoring
Generally for clients with more complex financial needs, who want to work with a dedicated Financial Advisor and who plan to invest $250k+ through Merrill Lynch.
  • Build a relationship with a Financial Advisor who will work with you to create a holistic strategy that can help you meet your goals -- from retirement to investments to estate planning
  • Know your Financial Advisor has the support of product specialists to help recommend appropriate solutions
  • Receive advice and guidance to help you keep your investments aligned with your long term strategies even when your priorities or market conditions change
Not sure what service is right for you? Answer a few questions and we’ll point you in the right direction.
Please remember there’s always the potential of losing money when investing in securities.
1 We reserve the right to close your Merrill Edge account at any time due to low balances.
2 This offer and investment products are provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S). See merrilledge.com for more details including the restrictions and exclusions associated with the offer and for information about MLPF&S’s standard brokerage fees.

Banking products provided by Bank of America, N.A., Member FDIC.

This offer is available with an individual or joint MLPF&S self-directed brokerage account. MLPF&S waives its commission fee for as many as 30 online equity trades each month for self-directed brokerage customers who meet any one of the following criteria:

a. A combined total of $25,000 or more in your deposit accounts at Bank of America, N.A. When you make an online equity trade, MLPF&S determines whether you meet the balance requirement to qualify that trade for the commission fee waiver. MLPF&S adds the average collected balances in your checking and savings accounts as of the prior month to the balances in your CD and FDIC-insured IRA accounts as of the prior business day. If this calculation reflects a combined total of less than $25,000, MLPF&S then makes a second calculation to see if the trade qualifies by adding the balances in your checking, savings, CD and FDIC-insured IRA accounts as of the prior business day.

b. A combined balance of $25,000 or more in cash balances in one of the following sweep options in your Merrill Edge self-directed or Advisory Center account(s) as of the prior business day:

  • Bank Deposit Accounts sweep option with your CMA
  • Retirement Assets Savings Program (RASP) sweep with your IRA

If this balance is less than $25,000, MLPF&S then makes a second calculation to see if your average collected balance as of the prior month reflects a total of $25,000 or more to determine whether you meet the balance requirements to qualify for the commission fee waiver.

Offer applies only to online equity trades, including stock and exchange traded fund (ETF) trades. Standard commission fees for online equity trades depend on your total relationship with Bank of America and Merrill Lynch and apply when the balance requirement is not met, or when you exceed 30 qualifying trades a month.

To determine the 30-trade limit, MLPF&S adds the qualifying trades in your individual accounts and in each joint account for which you are the account owner. Deposit accounts with the same social security number as the social security number(s) on the self-directed brokerage account are systematically included in the balance determination. Deposit accounts maintained with the Military Bank of Bank of America, N.A. are not systematically included in the balance determination.

Other standard brokerage fees associated with, but not limited to, margin transactions, option trading, special stock registration/gifting, account transfer and processing, account maintenance, research request and termination apply. Standard deposit fees apply to deposit accounts.

Relationship requirements and pricing are subject to change.

This offer applies only to self-directed brokerage accounts held at Merrill Edge. Offers available through other Merrill Lynch services may vary in terms and conditions. This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at (MLPF&S). See merrilledge.com for more details, including the restrictions and exclusions associated with the offer and for information about Merrill Edge self-directed investing fees.

3 Banking products such as checking accounts and certificates of deposit are FDIC insured to the maximum allowed by law and are offered through Bank of America, N.A., member FDIC.

4 There are service differences in ID and WA, including an inability to transfer money online between your accounts.