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Cash Management


Earn a competitive yield and maintain access to your funds, so you have the cash when you need it —available through your Merrill Cash Management Account® (CMA®).

  • Cash Management Account® (CMA®)

    The convenience of cash management and investment services in one account from Merrill to manage everyday financial needs and support long-term investment goals.

  • Merrill Lynch Bank Deposit Program (MLBDP)

    A convenient way to earn interest on cash with the added protection of Federal Deposit Insurance Corporation (FDIC) protection, up to standard limits.


    Uninvested cash is placed on deposit with Bank of America, N.A., and/or Bank of America California, N.A. (Merrill Affiliated Banks).

    Learn more
  • Brokered Certificates of Deposit1

    A range of certificates of deposit, issued by other banks or savings association, paying periodic interest for a set period of time, and held in your Merrill account.

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  • Money Market Mutual Funds1

    An easy way to invest in highly liquid cash investments, such as U.S. Treasuries and other highly liquid and lower-risk securities.

  • Preferred Deposit

    A bank deposit solution offered through eligible Merrill accounts that can help you manage expenses and cash flow by placing deposits with Bank of America, N.A.

    Learn more
Talk to your advisor about integrating these products
and solutions into your financial strategy.
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Explore our other personal financial management solutions

Explore our other personal
financial management solutions

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1 Capability offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.


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