Benefits OnLine 4+

Retirement & Benefit Services

Merrill Lynch, Pierce, Fenner, and Smith Inc.

    • 3.0 • 513 Ratings
    • Free



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 Touch ID/Face 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

The Benefits OnLine® app for iPhone is available to clients who have access to the website. Some of the features and services available on 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 Touch ID/Face ID.

The images included are for illustrative purposes only.

Merrill Privacy and Security:

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

© 2022 Bank of America Corporation. All Rights Reserved Benefits OnLine is a registered trademark of Bank of America Corporation.


What’s New

Version 22.09.0

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

Ratings and Reviews

3.0 out of 5
513 Ratings

513 Ratings

Gaspatchosoup ,


So have decided to try and do a withdrawal as it’s a tough time right now but couple issues with the app and company. Call the company and after spending 10 minutes on the phone going in circles with the auto system I’m told offices aren’t open. So I try the app. You go to the loan section and a big box with a red triangle is like you have no money to take a loan yet I’m seeing that I have money so don’t know what that’s about. Also even though it shows that box it still lets you do everything to try to get a loan even though you can’t get one. Maybe don’t have the selections available if you don’t qualify. Then try to do a withdrawal and I don’t want to do it as a hardship and I’m fine with paying to take my money out but it forces me to take a hardship. They then mail you a check. Most people in a hardship might and prob need money quicker than a paper check. Like how about doing direct deposit. Definitely won’t be using this company if I ever leave my job and set up a 401k on my own. I absolutely hate apps and companies that all of a sudden out of nowhere tell me that I have to reset up Face ID. This app tells me Touch ID and I don’t have that on my phone. I don’t always have my passwords next to me and I can’t remember them all as I make some pretty long and stupid passwords.
Looking at some stuff at my bank come November or when ever I choose my insurance stuff this year I will be canceling my 401k and just doing something with my bank.

kingsontrial ,

Sub par.

Not user friendly at all. I had a Union 401k and have an ira with better apps and websites. I’ve tried moving funds and balancing accounts and the app and website are both junk. But it is what my company offers, so here I am. If you want customer support, better take some time in the middle of the week. Surfers hours bankers pay.

macthus ,


The worst financial services app I have ever used. Forced to use as it is the choice of my employer. The user experience is horrible, app performance is slow, the application has extremely limited features in mobile platform and forces to revert to desktop website even to perform basic actions like viewing transaction history of an ESPP account. Services are also horrible, with delays in vesting RSUs without any proper heads up/communication; leaves you wondering what happened to your equity rewards. My vested RSUs disappeared from my account, decreasing my net account value, no information in the mobile app explaining what happened, no messages in the message center, only a small alert box in the website (if you know where to look) that says it will be made available again for transaction no later than 8 days AFTER the vesting date. I tried linking an external checking account that required a validation by entering a small sum of money that was deposited there - except there were no deposits. Compared to my previous wealth management services from another reputed bank, the quality and service here is light years behind.

App Privacy

The developer, Merrill Lynch, Pierce, Fenner, and Smith Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Search History
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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