Beyond Banking

Access cash management solutions to help you manage your everyday finances. Accounts that meet your needs and services that meet your expectations.


Cash management solutions for your day-to-day financial needs

A key factor in achieving your long-term financial goals is your ability to successfully manage your day-to-day financial needs. We understand that you have unique preferences for how you manage your money. Through your Merrill Lynch Wealth Management relationship, your Financial Advisor can offer you access to a choice of cash management solutions that complement your long-term investment strategies.

With flexible solutions from Merrill Lynch and Bank of  America, you can simplify your everyday cash management. Plus, take advantage of an array of convenient benefits and services — such as checking writing, a debit card and online, mobile, bill pay and ATM services — for easy account access.

The choice is yours

If you prefer to manage your long-term investments and your day-to-day finances all in a single account, consider a Cash Management Account® (CMA® account) from Merrill Lynch.

The Cash Management Account is a brokerage account that enables you to maximize your long-term investments and day-to-day finances through the convenience of a single account.

Features include:

  • A wide selection of investment choices for your goals
  • A choice of automatic sweep options for your cash balances
  • Easy access to your account with a debit card and at Bank of  America ATMs
  • Earmark assets for specific needs and goals with CMA SubAccounts®

If you prefer to manage your everyday transactions separately from your investments, consider the Premium Tiered Interest Checking1 account from Bank of  America.

The Premium Tiered Interest Checking account is a traditional checking account that enables you to manage your everyday finances while helping you maintain your long-term investment strategy.

Features include:

  • A yield that rewards you for higher balances2
  • Federal Deposit Insurance Corporation (FDIC) protection, up to applicable limits
  • Easy, unrestricted access to your account with a debit card and at Bank of  America ATMs
  • The ability to link your account to another Bank of  America account for overdraft protection services3

A Merrill Lynch Financial Advisor can provide you with additional information about benefits, fees and other considerations for these solutions and help you make an appropriate choice for your cash management needs.

Related Solutions

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Disclosures

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.

1 Premium Tiered Interest Checking is a bank deposit at Bank of  America, N.A. and not an investment held in your Merrill Lynch brokerage account. Checking account name is Bank of  America Advantage® with Premium Tiered Interest Checking. Available to clients with total assets of $250,000+ (assets defined as deposits at Bank of  America, N.A. and/or investment accounts at Merrill Lynch).

2 Premium Tiered Interest Checking is a variable rate account. The rates may change after the account is opened. Fees may reduce earnings. The minimum deposit required to open a Premium Tiered Interest Checking account is $100. For information on current interest rates, contact your Merrill Lynch Financial Advisor.

3 There is no cost to enroll in Overdraft Protection. Overdraft Protection Transfer and other fees may apply when you use the service. See your Personal Schedule of Fees for details.

ARO1A5C6 | 8/17/2013