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Solutions to support a variety of everyday cash flow needs.

  • Cash Management Account® (CMA® account)1

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

  • Bank of America® Preferred Rewards2

    Our way of showing you our appreciation — with premium benefits and rewards around the different ways you work with us.

  • BofA® Advantage Relationship Banking® for Wealth Management

    This account for Wealth Management clients offers tiered interest rates, discounts and waivers on everyday banking services.

  • Bank of America® Advantage Plus Banking®

    A non-interest bearing account that offers relationship-based monthly maintenance fee waivers.

  • Bank of America® Advantage SafeBalance Banking®

    Checkless banking that helps you stay within your balance and offers relationship-based maintenance fee waivers.

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

Take control of your spending and saving with

Bank of America’s suite of banking products and services.

The CMA account is a securities account with Merrill Lynch, Pierce, Fenner & Smith Incorporated. The account provides access to services and products offered by licensed banks, including checking and FDIC-insured deposits that are held at the banks. Securities, mutual funds and other non-deposit investment products available through the account are not FDIC-insured, not guaranteed by a bank and may lose value.


Preferred Rewards Program Eligibility. To enroll in the Bank of America Preferred Rewards program you must have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers in your combined qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:

i. a three-month combined average daily balance in your qualifying deposit and investment accounts or
ii. a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.


You must have a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Bank of America Private Bank clients qualify to enroll in the Diamond tier, and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill, and Private Bank balances. Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits, available at Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America employee qualification requirements, please visit the Employee Financial Services intranet site.  Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to enroll on customized terms.  Please visit> for details


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