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Integrated Investment and Banking Account Access

Daily finances, long-term investments, and a Merrill Lynch financial advisor who knows you best.

You can count on your Merrill Lynch financial advisor to help you with your overall financial strategy. To help support you in your day-to-day financial needs, you can also enjoy integrated access to your Merrill Lynch® investment and Bank of America® banking accounts.

Bank on Your Schedule

Enjoy convenient access to your Merrill Lynch investment and Bank of America banking accounts:

  • Bank of America ATMs — Access your linked eligible investment and banking accounts at any Bank of America ATM with either a Merrill Lynch debit card or a Bank of America debit card1. Plus, make cash and check deposits directly into your Cash Management Account® or other eligible investment accounts at thousands of Bank of America ATMs.

  • Online — A single sign-on connects you to your Merrill Lynch investment and Bank of America eligible banking accounts either through or Online Banking at You can access and manage your eligible accounts with a single view of your total financial picture. Check balances, move funds between eligible accounts in real time2, pay bills and more.

  • Mobile — With the MyMerrill® Mobile App3 or the Bank of America Mobile Banking App4 — both available on most popular smartphones and tablets — you can monitor your Merrill Lynch investment or Bank of America banking accounts, transfer funds5, pay bills or securely deposit checks6. Plus with the Bank of America Mobile Banking App, you can send money to almost anyone simply by using their mobile number or email address7 or locate ATMs and banking centers.

  • By phone1.800.MERRILL (1.800.637.7455) connects you to a customized self-service system or experienced representatives ready to help you with your investment and banking account servicing needs, 24/7. You can also use a Relationship PIN with any one of your account numbers to access all of your accounts without the need to reauthenticate.

Contact your Merrill Lynch financial advisor to learn more about how these services can help simplify your financial life.

or call 1.800.MERRILL (1.800.637.7455) to find out how to make your financial life more convenient with integrated Merrill Lynch investment and Bank of America banking account access.

Connect with an advisor and start a conversation about your goals.

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1 To link an investment account to a Bank of America debit card, you must be an owner with rights to transact on both the investment account and Bank of America debit card.

2 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 and 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.

3 There are no costs for downloading the Merrill Lynch mobile applications, but you may be charged access fees from your wireless service provider. Please check with your wireless service provider for details on specific fees and charges.

4 To access Online or Mobile Banking, you must enroll in the service. Once enrolled, the same Online ID and passcode can be used to access both Online and Mobile Banking. View the Online Banking Service Agreement at for more information about both Mobile and Online Banking. Wireless carrier fees may apply. Enrollment not available through the Mobile App on all devices.

5 Fees apply to wires and certain transfers. See the Online Banking Service agreement at for details.

6 You must first download the Mobile App and accept terms and conditions. Deposits are subject to verification and not available for immediate withdrawal. Restrictions apply. Click the "More" button in the App, select "Help" and then select "Mobile Check Deposit" for details, including information on funds availability, deposit limits and proper disposal of checks, and to see the full terms and conditions. Wireless carrier fees may apply. Requires at least a 2-megapixel camera. This feature is not available on the Mobile Website. Not currently available on Amazon® Kindle FireTM or Blackberry® devices.

7 Requires enrollment in the service. Email and Mobile Transfers must be made from a Bank of America consumer checking or savings account to a U.S.-based bank account. Recipients have 14 days to register to receive money or transfer will be canceled. Dollar and frequency limits apply. See the Online Banking Service Agreement at for details, including cutoff and delivery times. Wireless carrier charges may apply.

Some accounts, services, and fees vary from state to state. Please review the Personal Schedule of Fees for your state, available at and your local Banking Center.

Amazon® and Kindle FireTM are trademarks of, Inc. or its affiliates, registered in the U.S. and other countries. Android is a trademark of Google Inc. BlackBerry® and related trademarks, names and logos are the property of Research In Motion Limited and are registered and/or used in the U.S. and countries around the world. Used under license from Research In Motion Limited.

Merrill Lynch, the Bull Symbol, Bank of America, the Bank of America logo, Cash Management Account and MyMerrill are trademarks of Bank of America Corporation.


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