Beyond Banking

Choose from a variety of 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 and ATM services — for easy account access.

The choice is yours

If you prefer to manage your everyday transactions separately from your investments, consider the Premium Tiered Interest Checking1 account or the Beyond Banking® Account.

  • The Premium Tiered Interest Checking account from Bank of America is a traditional checking account offered to Merrill Lynch Wealth Management clients allowing you to manage your everyday finances while helping you maintain your long-term investment strategy.

  • The Beyond Banking Account from Merrill Lynch is designed as a companion to a Cash Management Account® or retirement account. It allows you to enjoy the convenience of having your finances in one place, while keeping everyday transactions separate from your longer-term investments.

If you prefer to manage your long-term investments and your day-to-day finances all in a single account, consider a CMA account with the CMA Plus® package.


  • The CMA Plus package from Merrill Lynch is an optional enhancement to the CMA account, offering pricing benefits for certain cash management services. CMA Plus is designed for individuals who prefer the simplicity of a single account for both long-term investments and everyday finances.

Your 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

1 Checking account name is Bank of America Advantage® with Premium Tiered Interest Checking (Bank of America Prima® with Premium Tiered Interest Checking in California). Available to clients with total assets of $100,000+ (assets defined as deposits at Bank of America, N.A. and/or investment accounts at Merrill Lynch).

CMA, CMA Plus and Beyond Banking Accounts are securities accounts with Merrill Lynch, Pierce, Fenner & Smith Incorporated. The accounts provide 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 accounts are not FDIC insured, not guaranteed by a bank and may lose value.