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The Merrill Fraud Protection Guarantee

We value you as our client, and we always want you to feel safe doing business with Merrill.  As a commitment to our clients' account security, we are offering this guarantee:

 

We will reimburse you for quantifiable monetary losses that occur in any of your Merrill accounts due to unauthorized, third-party activity.

 

At Merrill, it is important for us to have a working relationship with you that enhances your account security.

Visit our Security Center to find out more about how Merrill protects you, and how you can protect yourself against fraud and scams.

To qualify for reimbursement under this guarantee, you must take the following reasonable measures to protect against unauthorized account access:

 

  • If you detect any errors or discrepancies or suspect unauthorized activity in any account, you must contact us as soon as possible, but not later than 60 days from the suspected unauthorized activity at 1.800.637.7455.
  • Safeguard your account access information, including Login ID, passwords and all other access codes.1
  • You must also cooperate with us in any investigation. We may ask you to sign an affidavit, assign certain rights to Merrill and/or sign a release form as a condition of reimbursement.

 

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Here is how our guarantee and reimbursement work:

 

Merrill will determine the type and amount of reimbursement you will receive under this guarantee:

 

  • We may not provide reimbursement under this guarantee if you are reimbursed, or if you are eligible for reimbursement, due to additional coverage by, for example, your insurance company, or protected under the terms of the particular product in question.
  • This guarantee does not cover any tax consequences, legal fees and expenses, or lost opportunity, special, consequential, punitive, or non-monetary damages.
  • You may not assign your rights to any third party other than Merrill under this guarantee.

 

 

If you suspect you’re a victim of fraud, contact us immediately at 1.800.MERRILL (637.7455) or speak to your financial advisor for further assistance.

 

 

1 If you share your login ID, password and other access codes with anyone, we will consider their activities to have been authorized by you. Our guarantee will not apply if we determine that you shared this information, or did not take reasonable steps to safeguard it.

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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
© Bank of America Corporation. All rights reserved.

Patent: patents.bankofamerica.com

6101908-EXP-2025-05-24
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