Fund in one of four ways: Real-time instant funding� same-day funding from your eligible linked Bank of America bank account and your new Merrill online brokerage account (transfers from your eligible linked accounts at other financial institutions take up to three business days to process and clear) Fund by wire transfer � next-day funding from accounts at other financial institutions received by 4 p.m. ET will post to your new Merrill account the next day Fund by check � send a personal, cashier or bank check to: Merrill P.O. Box #962 Newark, NJ 07101-0962 Deposited funds typically post to the account within two days of receipt. Funds are available for investment when posted, but can be held from withdrawal for up to eight days. Transfer an account � the transfer of securities or accounts held at another financial institution typically takes 5+ business days. Moving securities from one of your Merrill accounts to another is real time.