Banking

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.

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  • 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).

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  • 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.

  • 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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Investing involves risk. There is always the potential of losing money when you invest in securities. Past performance does not guarantee future results. Asset allocation, rebalancing and diversification do not guarantee against risk in broadly 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. 

This material does not take into account a client’s particular investment objectives, financial situations, or needs and 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. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. For more information about these services and their differences, speak with your Merrill financial advisor.

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 SIPC and a wholly owned subsidiary of BofA Corp.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.

Trust, fiduciary and investment management services, including assets managed by the Specialty Asset Management team, are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”), and its agents.

Bank of America Private Bank is a division of Bank of America, N.A.

U.S. Trust Company of Delaware is a wholly owned subsidiary of Bank of America Corporation.

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, insurance and annuity products:

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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