Footnote
Preferred Rewards Program Eligibility. You can enroll, and maintain your membership, in the Bank of America Preferred Rewards
® program if you have an active, eligible personal checking account with Bank of America
® and maintain the balance required for one of the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, and $1,000,000 for the Diamond Honors tier. Balances include 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:
- a three-month combined average daily balance in your qualifying deposit and investment accounts, or
- 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.
Refer to your
Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. 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. Bank of America Private Bank clients qualify to enroll in the Diamond Honors Tier regardless of balances. 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 call Employee Financial Services or refer to the Bank of America intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to participate on customized terms. Refer to
CEBI Program for details.
Footnote
Merrill Edge Self-Directed was awarded #1 for Bank Brokerage and received an overall rating of 4.5 out of 5 stars from StockBrokers.com. Evaluated as one of 16 online brokers in
StockBrokers.com 2025 Annual Awards popup published on January 28, 2025. This award recognizes the broker that the editorial team believes provides the best value and experience for intermediate-level U.S. retail investors who want to consolidate their financial activities with one company. StockBrokers.com takes into consideration the breadth of banking services on offer and how well they are integrated with self-directed investing.
Learn more about the methodology at StockBrokers.com popup. Rankings and recognition from StockBrokers.com are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
Merrill Edge Self-Directed received an overall rating of 4.5 out of 5 stars and was evaluated as one of 16 online brokers in
StockBrokers.com 2025 Annual Awards popup published on January 28, 2025. StockBrokers.com evaluated brokers using 200 variables across 7 categories.
Learn more about the methodology at StockBrokers.com popup. Rankings and recognition from StockBrokers.com are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
Merrill Edge Self-Directed was ranked in NerdWallet's article "
Best Brokerage Accounts for Online Stock Trading popup," published January 31, 2025, and received an overall rating of 4.4 out of 5 stars, from
NerdWallet popup published October 28, 2024. NerdWallet evaluates brokers based on investment selection, trading platform, customer support, account fees, trading costs, mobile app and cash sweep rates. NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.
Learn more about the methodology at NerdWallet popup. Rankings and recognition from NerdWallet are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
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, Bank of America Advantage SafeBalance Banking™, 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.
Footnote 6 Zelle
® should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle
® to send money to those you do not know. Transfers require enrollment in the service with a U.S. checking or savings account and must be made from an eligible Bank of America consumer or business deposit account. Transactions between enrolled users typically occur in minutes and transactions between enrolled consumers do not typically incur transaction fees. We will send you an email alert with transaction details after you send money using Zelle
®. Dollar and frequency limits apply. See the Online Banking Service Agreement at
bankofamerica.com/serviceagreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle
® offers a protection program for any authorized payments made with Zelle
®. Regular account fees apply.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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