Does anyone use Merrill Edge? Opened an account because I'm a longtime BOA customer and the platinum honors rewards were attractive. Now the preferred deposit rates sunk from 2% to. 06%.. HYSA gone

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I use BofA for banking and Merrill Edge for investing, but not savings. Agree that BofA and ML have awful deposit rates.

I’ve been a BOFA customer for 15+ years. Signed up Merrill Edge 3-4 years ago mainly to consolidate and get one view. I’m glad I signed up and not looking back. Not happy with rates but rest of my experience is great. To somewhat counter with the decrease in rates, I simply move more money to Merrill and they give me decent bonus every time. Just call CS who are quite friendly. I stopped opening new accounts to get bonuses as it is a waste of time.

Direct BOFA checking account -Adv. Relationship Banking account. I like the idea of depositing directly in Merrill’s Preferred deposit. Might consider it. I have investing for 15+ years and don’t like mutual funds and etfs in my brokerage apart from retirement accounts where options are limited.

I use Merrill edge for my investments and have preferred rewards. For my cash emergency fund I invest in a short term bond ETF (BSV)

Anybody have experience with “Premium Services”? Just got this email today

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