Merrill Edge IRA/CMA Account

Merrill Edge is offering Preferred Rewards members up to $1,000 for opening a new IRA or Cash Management Account and funding it. The bonus scales with deposit size, topping out at $1,000 for deposits of $250,000 or more, and requires keeping the balance for at least 90 days.

Eligibility

How to get the Merrill Edge IRA/CMA Account bonus

1. Open a new Merrill Edge IRA or Cash Management Account using promo code 1000PR.
2. Make a qualifying deposit within 45 days of account opening.
3. Maintain the deposited balance for at least 90 days.
4. Be enrolled in Preferred Rewards as of 90 days from meeting the funding criteria.

The fine print that matters

• Bonus tiers: $20,000-$49,999 = $100, $50,000-$99,999 = $200, $100,000-$249,999 = $400, $250,000+ = $1,000.
• Cash bonus offers are limited to one CMA and one IRA per accountholder in aggregate.
• Eligible IRAs limited to Traditional, Roth, and owner-only SEP IRA.
• Assets transferred from other accounts at MLPF&S, Bank of America Private Bank, or 401(k) accounts administered by MLPF&S do not count toward qualifying net new assets.
• You must have or open an eligible Bank of America Personal Checking Advantage Banking account to be enrolled in Preferred Rewards.
• Preferred Rewards enrollment via this offer is based on current balances rather than the usual three-month average balance requirement.
• All Preferred Rewards benefits become active within 30 days of enrollment.
• You may be eligible for a different or better offer; contact Merrill for details.

Verification and reports

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Sources: merrilledge.com offer page (checked Jul 19, 2026)