3.4
2.77K reviews
500K+
Downloads
Content rating
Everyone
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About this app

Benefits OnLine® Mobile

You don’t need a computer to keep up with your employer-sponsored benefit plans. With the free* Benefits OnLine® Mobile app, you’ll have easy access to your benefit plans with Merrill, virtually 24/7. Find out how easy it is to:

Manage your accounts
• Check your account balances, detailed holdings and account history
• Manage your investments and update contribution rates
• View your Account Summary with interactive graphics
• Request a loan, withdrawal or rollover

Access financial information
• Review U.S. & Global market data
• Add securities to your device watchlist
• Monitor major market securities

Personalize your experience
• Stay up to date with My To-Do List and Alert messages
• Have your Merrill investment account balances and Bank of America account balances displayed along with your benefit plan accounts
• Choose “online deliver” for statements and confirmations

Stay Secure
• Set up fingerprint ID to log in securely without using your password**
• Visit our Privacy & Security page to learn about the features we offer to help protect you and your accounts

IMPORTANT NOTICE
The Benefits OnLine® app for Android is available to clients who have access to the benefits.ml.com website. Some of the features and services available on benefits.ml.com are not available within this app. Please access the website to access all functionality. Select Application License Agreement and review the amended Terms & Conditions, which apply to the website and all mobile devices. By downloading and using this app, you agree to the current Terms & Conditions.

*You may be charged access fees from your wireless service provider depending on your mobile device. Please check with your wireless service provider for details on specific fees and charges.

**Certain devices are eligible for enrollment in fingerprint login.

The images included are for illustrative purposes only.

Merrill Privacy and Security: ml.com/privacy

Merrill makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. 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.

Merrill is the marketing name for Merrill Lynch Wealth Management, and Merrill Edge®, both of which are made available through Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S). Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.

Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries 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.

MLPF&S and Bank of America, N.A make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation.

Investment products, 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

© 2024 Bank of America Corporation. All Rights Reserved Benefits OnLine is a registered trademark of Bank of America Corporation.
Updated on
Apr 2, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Photos and videos
This app may collect these data types
Photos and videos, Audio and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.4
2.66K reviews
Michael Wright
August 31, 2023
What is wrong with this app? I am constantly getting a pop-up with the title "Application unavailable" and the explanation "Our app is temporarily unavailable. Your relationship is important to us and we're working to restore service as quickly as possible. Your data and transactions remain safe." The app still allows me to navigate, but some functions are unavailable. However, the message above is constantly popping up and very annoying, and this has been going on for months!
41 people found this review helpful
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Suzana Chambers
May 30, 2022
It's an app designed for a phone. All it needs to do is be the website, but slightly more convenient. It shouldn't cut off important parts of the screen, hide key pages behind impenetrable menu structures, or make it literally impossible to even log in. And if the app locks you out, it shouldn't take 48 freaking hours to reach a human to unlock it for you. While it worked it was super convenient. How about you use a few of your trillions of $s to fix your app ML?
109 people found this review helpful
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Kevin Love
May 15, 2022
I don't know if they're updating their systems on the weekends or what, but it seems like I always get these cryptic notifications from the app and then there's log in issues. Resetting your password doesn't help until days later. Very frustrating that the system so frequently seems to not be available. Has happened multiple times in the last year.
111 people found this review helpful
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What's new

​In this release, we've made some minor enhancements and bug fixes.

We're always making improvements, so turn on automatic app updates to get the latest. Go to Google Play Store > Menu > Settings > Auto-update apps, and set your preference.