Ml direct deposit progrm

Real estate agents pay to have access to Multiple Listing Services (MLS), which gives them access to property sale listings. Realtors pay fees to their local realtor association, s...

Merrill Lynch Direct Deposit Program. The deposit of checks, the sale of securities and other activity generate cash in your account. Available cash balances are automatically swept into bank deposit accounts with Bank of America, N.A. (under the Merrill Lynch Direct Deposit Program). Until that time, your cash balances will not earn interest. I have 50$ in cash holdings, but 100$ in this ML deposit account. When I look at a breakdown of my cash accounts, it says: Cash and Money Accounts: 50$. Cash Balance: -50$. Money Account Value: 100$. This has something to do with ME’s “cash sweep” feature, but I cant figure it out. Do I have 100$ or 50$?The data is related with over 40,000 direct marketing campaigns of a Portuguese banking institution from May 2008 to November 2010. The marketing campaigns were based on phone calls.Footnote. Other fees may apply. Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs.The data is related with over 40,000 direct marketing campaigns of a Portuguese banking institution from May 2008 to November 2010. The marketing campaigns were based on phone calls.Preferred Deposit. The first page of the rate PDF only includes FDIC-insured options. You’ll note the highest rate is something called “Preferred Deposit”. As of 2/7/23, it is a much more competitive …

31 U.S.C. 3332 generally requires all federal payments, other than payments under the Internal Revenue Code, be delivered by Direct Deposit also known as Electronic Funds Transfer (EFT), unless a waiver is available. So, recipients of federal payments must receive payment by direct deposit to an account at the recipient’s financial ...Learn more about high-yield deposits. Highlighted Features. e-Sign. Send a secure message, set an appointment, e-sign documents and stay in touch with your advisor. See how it works. Mobile check deposit. Use the camera on your mobile devices to deposit checks from almost anywhere. View demo.Schedule of miscellaneous account and service fees. Clients with a Merrill Edge® Self-Directed account can enjoy a broad range of services, features and benefits. Below is a list of fees and charges that may apply to your Merrill Edge Self-Directed account(s). The listed fees below do not include commissions, markups, commission equivalents or ...If you’re receiving Supplemental Security Income (SSI) payments, you may be wondering if there’s a more convenient way to receive your benefits. Fortunately, switching to SSI direc...Sweep through the Merrill Lynch Bank Deposit Program (MLBDP) Merrill Lynch historically has offered promotional rates for the Merrill Lynch Bank Deposit Sweep program. When your account was enrolled, Merrill Lynch mailed a confirmation letter, outlining the rules of the program. Those rules stated that annual percentage yields onWhen you can automate daily activities, it’s almost always a win. Direct deposits are an easy way to send or receive a payment. Sometimes you can opt in for this payment method, an...By default, all accounts with Merrill Edge are signed up for the Merrill Lynch Bank Deposit Program. This is the company’s FDIC-sweep program. The way it works is really simple: …

The funds deposited into individual retirement accounts (IRAs) are usually invested in financial products like mutual funds, stocks and bonds — but that doesn’t mean these are the ...The bank routing number identifies a financial institution where a deposit. It’s used for making direct deposits and for sending money out of your account via a check or automated ...You can have your employer deposit your paychecks directly into your Merrill account by providing the routing number and checking account number printed on your Merrill checks. The routing and account numbers are located on the bottom left side of the check. The Merrill routing number is the first nine digits (084301767), and the account number ... Effective September 2, 2014, the annual deposit fee Merrill Lynch receives from Merrill Lynch Affiliated Banks for each account with uninvested cash balances swept under the following programs will change: • For the Merrill Lynch Bank Deposit Program, Merrill Lynch Business Deposit Program and Merrill Lynch Direct Deposit Program, the fee ... ML DIRECT DEPOSIT PROGRM Owner(s) Name: SANKEY ANITA M Reported Owner Address: U/A DTD 12/15/1987 7759 VAN NOORD AVE N HOLLYWOOD, CA 91605 To help protect your privacy and give you an opportunity to claim your property from the business, we will not disclose the specific amount reported until it is sent to the State. ...

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Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about pricing, visit our Pricing page. 1 Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge ® Self-Directed brokerage ...Merrill Lynch Direct Deposit Program 0.01% Merrill Lynch Direct Deposit Program --- Tier 63 5.16% Preferred Deposit for Business®5, 6 4.71% 1Assigned to eligible accounts enrolled in the following investment advisory programs: (1) the Merrill Lynch Investment Advisory Program,Merrill Rand is a self-directed brokerage pole from Bank of America and Merrill Lynch. They have a decent broker overall, ... Your default cash sweep fascinate tariff shall and one for “Merrill Lynch Deposit Depot Program – Tiered 1 …Through the Raymond James Bank Deposit Program (RJBDP), uninvested cash in your brokerage account is deposited into interest-bearing deposit accounts at multiple banks, as described in the "Bank Priority Lists" section below. ... (CIP), whereby cash balances that are not deposited into RJBDP will be directed to CIP. CIP …May 8, 2024 · Summary: CIT Bank is offering 4.65% APY (as of 5/8/24) with a $100 minimum opening deposit and ongoing minimum balance requirement. CIT Bank focuses on savings deposit products, including No Penalty CDs, and Term CDs with competitive rates. Bask Bank. Summary: The Bask Interest Savings Account pays 5.10% APY with no minimum balance, with no ... With the Merrill Hang Slope Deposit Program, you can take benefits of an automatic cash scope feature, daily liquidity, and FDIC protection. With the Merrill Lynch Slope Deposit Program, them can take advantage of an automatic cash sweep feature, daily liquidity, and FDIC protection. Skip To Content 3.1.2.

Merrill Lynch or Bank of America, N.A., forward it to your local Merrill Lynch branch office and we will have it signed and returned for submission to your payer. The Merrill Lynch Direct Deposit Service enrollment form The Direct Deposit Service is a free account feature that allows you to have your payroll, Social Security,Merrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency and wholly owned subsidiary of BofA Corp. Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of BofA Corp.Webster Bank, National Association. First Foundation Bank. First Foundation Bank. Tristate Capital Bank. Cadence Bank. Goldman Sachs Bank USA. PNC Bank, N.A. Umpqua Bank. With this program, available cash in your brokerage account is deposited into interest-bearing deposit accounts at one or more banks.Direct Deposit: Electronic funds that are deposited directly into your bank account rather than through a paper check. Common uses of a direct deposit include income tax refunds and pay checks.As a bank deposit, it’s FDIC insured. Funds held in the preferred deposit do count toward preferred rewards. The process around depositing to and withdrawing funds from the preferred deposit could be better. You have to call in to make the initial deposit but subsequent deposits can be made online. Annual Program Fee, charged monthly 0.85% in advance, based on the assets held in the account.1. Transfer and closeout fees. Full account transfer fee and closeout fee. IRA, IRRA, Roth (not charged in addition to the closeout fee) $75 Transactional. CMA. $95 Transactional. Closeout fee. Can you deposit a loan to PayPal? We explain whether it is possible to get a loan with PayPal rather than a bank account. You can not deposit the funds from a loan into PayPal. You...Annual custodial fee, includes loan maintenance fee, 25 basis points min $60 ($80 for profit sharing and money purchase with 1 plans) max $100. Annual. Prototype plan fee, $50 per plan type (profit sharing and money purchase) Annual (Plan Sponsor Only) Duplicate Statement. BIA, WCMA, WCMA SUB.The interest rates you earn for the MLBD Program, Merrill Lynch Business Deposit Program, Merrill Lynch Direct Deposit Program, RASP and RASP II will not be … You can deposit or withdraw money from your CMA account via Direct Deposit, by using Bank of America ATMs, through our telephone or online funds transfer service or through a FedWire® wire transfer. You can also use MyMerrill and Bank of America online banking or mobile app to transfer funds between your linked accounts. by kevdude » Fri Sep 14, 2018 1:55 am. Interesting that the rate thru ML is 1.56%. We use Merrill Edge and the rate for their Preferred Deposit is 1.82%. It is FDIC insured up to $250k, but we do need to talk to a rep in order to move money in and out of it. The initial minimum is $100k, but it can drop below that.

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Fee Waiver Program 38 About the Merrill Lynch Bank Deposit Program 41 Margin Truth-in-Lending Disclosure Statement 48 Securities-Based Loan Disclosure Statement 51 Margin Risk Disclosure Statement 54 Appendix: CMA Account Fees 55 The following pages contain the disclosures and agreement governing your CMA Account, includingML DIRECT DEPOSIT PROGRM Owner(s) Name: SAHLE SENAIT TADESSE SEFANIT Reported Owner Address: 383 MACARTHUR BLVD APT 224 OAKLAND, CA 94610 To help protect your privacy and give you an opportunity to claim your property from the business, we will not disclose the specific amount reported until it is sent to the State. ...Merrill Edge fudges tax lots for mutual funds. If on one day I buy: 100.671 shares @$29.80 for $3,000. Merrill records this as either: 100 shares @$29.80 for $2,980, or. 100 shares @$29.80 and 1 share @$20 for $3,000. Merrill says that showing two different prices for purchases of a fund on the same day is acceptable.Deposit amount will be full net amount of pay into either your checking/savings account. If changing your account type, bank and or account number, you will receive a payroll check until new direct deposit becomes effective. Do not send a voided blank check. Send completed form to: Central Payroll Bureau, P.O. Box 2396, Annapolis, MD 21404.deposits from Merrill Lynch clients. Merrill Lynch receives up to $100 per year from BANA and BA-CA for each account that sweeps to the Merrill Lynch Bank Deposit (“MLBD”) … Merrill Lynch Direct Deposit Program --- Tier 63 5.16% Preferred Deposit for Business® 5, 6 4.71% 1 Assigned to eligible accounts enrolled in the following investment advisory programs: (1) the Merrill Lynch Investment Advisory Program, Merrill Edge fudges tax lots for mutual funds. If on one day I buy: 100.671 shares @$29.80 for $3,000 Merrill records those as either: 100 shares @$29.80 since $2,980, with 100 measures @$29.80 and 1 share @$20 used $3,000 Merrill says ensure how two different prices fork acquisition of a fund with the same day is acceptable. It's silent on the fact …

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Merrill Edge Self-Directed CMA Merrill Lynch Direct Deposit Program BANA Clients with $250,000 or more in eligible statement-linked assets may also designate one of the following as an automatic sweep option: • BIF Tax-Exempt Fund • A State Fund under the BIF Multi-State Municipal Series Trust Merrill Edge Self-Directed IRA, ROTH,Step 6: Run payroll. Once you’ve got everything set up, and you’ve verified the direct deposit activation with your bank or payroll software, you’re ready to go. You can run payroll on the ...On February 1, soccer fans in 100+ countries and regions can get MLS Season Pass or $14.99 per month during the season or $99 per season. Today, Apple announced the launch date and...Direct Deposit Program or Retirement Asset Savings Programs (RASP and RASP II) Effective September 2, 2014, the annual deposit fee Merrill Lynch receives from Merrill Lynch Affiliated Banks for each account with uninvested cash balances swept under the following programs will change: • For the Merrill Lynch Bank Deposit Program, Merrill …Merrill Lynch Direct Deposit Program 0.01% Merrill Lynch Direct Deposit Program --- Tier 63 5.16% Preferred Deposit for Business®5, 6 4.71% 1Assigned to eligible accounts enrolled in the following investment advisory programs: (1) the Merrill Lynch Investment Advisory Program,F) Considerations Regarding Bank Deposit Programs 15 . F) Considerations Regarding Bank Deposit Programs 15 . G) Availability, Deposits and Application of Funds 17 . G) Availability, Deposits and Application of Funds 17 . H) Purchasing Power and Overdraft 18 . I) Debit Balances and Disbursement Priority 20 . J) …Business Deposit Program Disclosure Statement, the Merrill Lynch Business Deposit Program Summary Disclosure Statement, Appendix‑A BIA Account, the Margin Truth‑In‑Lending Disclosure Statement, and the Securities‑Based Loan Disclosure Statement, all of which are referred to as the “Documents” for purposes of this …Merrill Lynch Direct Deposit Program --- Tier 63 5.16% Preferred Deposit for Business® 5, 6 4.71% 1 Assigned to eligible accounts enrolled in the following investment advisory programs: (1) the Merrill Lynch Investment Advisory Program,Enrolled Preferred Rewards members with eligible Bank of America® credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. If your card receives the10% customer bonus, the Preferred Rewards bonus will replace the …Merrill Edge® Self-Directed Investing. Make unlimited $0 online stock, ETF and option trades. Plus take advantage of no annual account fees or balance minimums. 1 Options …Nov 26, 2015 · Merrill Lynch Direct Deposit Program, which will become your new Sweep Option on the Liquidation Date. The Annual Percentage Yield (APY) in the Merrill Lynch Direct Deposit Program will be 1.59% for six months from the Liquidation Date, after which time it will revert the then-current APY for the Merrill Lynch Direct Deposit Program. You can deposit or withdraw money from your CMA account via Direct Deposit, by using Bank of America ATMs, through our telephone or online funds transfer service or through a FedWire® wire transfer. You can also use MyMerrill and Bank of America online banking or mobile app to transfer funds between your linked accounts. ….

A minimum of $5.00 and a maximum of $10,000 in un-allotted current pay and allowances may be deposited to your SDP account. Deposit amounts outside of this range will be rejected by the SDP system. SDP Interest compounds monthly and is paid quarterly at a rate of 10% on balances of up to $10,000. Merrill Lynch Direct Deposit Program 0.01% Merrill Lynch Direct Deposit Program --- Tier 64 1.06% Merrill Lynch Business Deposit Program --- Tier 1 (<$250,000) 0.01% Enroll in STAR Credit Direct Deposit. If you have already registered for the STAR credit, you can enroll in STAR Credit Direct Deposit using your bank’s nine-digit routing number and your bank account number (up to 17 characters). Your bank information can be located by viewing a check, in your online banking application, or by contacting ...the Merrill Lynch Bank Deposit (“MLBD”) Program, Merrill Lynch Direct Deposit Program, RASP or RASP II. Merrill Lynch receives a fee from the ISA banks of up to 2% per annum of the average daily balances. This compensation is subject to change from time to time and Merrill Lynch may waive all or part of it.“Merrill’s [direct deposit] sweep accounts pay investors a paltry 0.05% to 0.14% annual percentage yield,” Sarah Valelly charged in the complaint filed on Tuesday in federal court in New ...Retirement Asset Savings Program --- Tier 3 ($1M to <$10M) 0.30% Retirement Asset Savings Program --- Tier 4 (>= $10M) 0.50% Retirement Asset Savings Program --- Tier 51 5.16% Merrill Lynch Direct Deposit Program 0.01% Merrill Lynch Direct Deposit Program --- Tier 63 5.16% Preferred Deposit for Business®5, 6 4.71% I have 50$ in cash holdings, but 100$ in this ML deposit account. When I look at a breakdown of my cash accounts, it says: Cash and Money Accounts: 50$. Cash Balance: -50$. Money Account Value: 100$. This has something to do with ME’s “cash sweep” feature, but I cant figure it out. Do I have 100$ or 50$? Merrill Lynch Direct Deposit Program. The deposit of checks, the sale of securities and other activity generate cash in your account. Available cash balances are automatically swept into bank deposit accounts with Bank of America, N.A. (under the Merrill Lynch Direct Deposit Program). Until that time, your cash balances will not earn interest. Updated for 2023.Merrill Rand is a self-directed brokerage pole from Bank of America and Merrill Lynch. They have a decent broker overall, but honestly who only reason I keep my account open with them is into qualify for its Preferably Rewards Platinum tier, which allows me an efficient 2.6% cash behind credit bill (offsets any travel purchase) as long while I preserve a Merchant Edge ... Ml direct deposit progrm, & Direct Deposit to IRA/IRRA ® /Roth IRA/Coverdell ESA Please return this form to your employer. Your employer must be able and willing to accept electronic fund transfers through the Automated Clearing House (A C H). If you have any questions about your employer's AC H capabilities, please contact your employer. , If you’re a Merrill client looking to open an interest bearing account, open a Merrill Preferred Depositaccount to earn 4.71% APY available nationwide. Update 4/19/24: The rate has decreased from 4.92% APY (to 4.71%). For more competitive rates, we highly recommend our top choice savings account at Western Alliance Bank., merrill lynch due diligence 4800 deer lake drive east fl9-805-01-08 jacksonville, fl 32246 (800) 581-5858 [email protected], Many employers no longer provide payroll checks with stubs. These days, the majority of employees receive their pay via direct deposit. That means you may never see your checks, bu..., Merrill Lynch Direct Deposit Program --- Tier 63 5.16% Preferred Deposit for Business® 5, 6 4.71% 1 Assigned to eligible accounts enrolled in the following investment advisory programs: (1) the Merrill Lynch Investment Advisory Program,, deposits from Merrill Lynch clients. Merrill Lynch receives up to $100 per year from BANA and BA-CA for each account that sweeps to the Merrill Lynch Bank Deposit (“MLBD”) Program and Merrill Lynch Direct Deposit Program, and up to $85 per year for each account that sweeps to RASP or RASP II. Merrill Lynch receives up to, With the Merrill Hang Slope Deposit Program, you can take benefits of an automatic cash scope feature, daily liquidity, and FDIC protection. With the Merrill Lynch Slope Deposit Program, them can take advantage of an automatic cash sweep feature, daily liquidity, and FDIC protection. Skip To Content 3.1.2., The time necessary to process direct deposits varies depending on the company sending the money and the bank receiving the deposit. Many companies send the electronic payment days ..., Learn more about high-yield deposits. Highlighted Features. e-Sign. Send a secure message, set an appointment, e-sign documents and stay in touch with your advisor. See how it works. Mobile check deposit. Use the camera on your mobile devices to deposit checks from almost anywhere. View demo., Yes, my ML brokerage account is set up in Quicken. But unlike my Banking and Credit Card balances and transactions that match precisely what I can view online when I "Update All Online Accounts", my Quicken "Investing" listed total balance and individual sub-accounts don't align with what I can view on my ML online account., Merrill Edge fudges tax lots with mutual capital. When on individual day ME buy: 100.671 shares @$29.80 for $3,000 Merrill records like as either: 100 shares @$29.80 for $2,980, or 100 stocks @$29.80 press 1 share @$20 for $3,000 Merrill says that displaying two different rates forward purchases of a fund on the sam day is acceptable. It's silent on the fact …, Merrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency and wholly owned subsidiary of BofA Corp. Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of BofA Corp., the Deposit Limit at both the Primary and Secondary Sweep Banks, deposits may sweep to one or more Program Banks, each up to the Deposit Limit. If on any given day, none of your deposits are selected for the Program Banks pursuant to the procedure outlined below, your deposits that exceed the Deposit Limit at the, You can have your employer deposit your paychecks directly into your Merrill account by providing the routing number and checking account number printed on your Merrill checks. The routing and account numbers are located on the bottom left side of the check. The Merrill routing number is the first nine digits (084301767), and the account number ..., Calgary. Global Banking and Markets. Merrill Lynch Canada, Inc. Bow Valley Square III. Suite 2620. 255 5th Avenue SW. Calgary, AB T2P 3G6. Tel:+1-403-231-7300, Necroing this - BoA Preferred Deposit isn't talked about because it's a hassle to manage and there's plenty of competitive MMAs and HYSAs without the $100k barrier to entry. You apparently have to call a financial advisor and move over $1000 at a time (after the initial $100k), New developments today! $1230.00 of the mysterious $1230.87 was moved into my cash bucket - the so called “ML direct deposit program”. So it appears that something indeed was settling and ME took a long time to do this - 3 days. It is still unclear to me what exactly was settling in this amount. And how ME can get away with T+3 settlement time., ML DIRECT DEPOSIT PROGRM Owner(s) Name: GATTO JACQUELIN Reported Owner Address: 450 N CIVIC DR APT 407 WALNUT CREEK, CA 94596 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to …, Merrill Lynch Business Deposit Not available Program BANA and BA-CA Working Capital Management Account (WCMA® Account), WCMA SubAccount Merrill Lynch Bank Deposit Program (“MLBD Program”) BANA and BA-CA • BBIF Government Securities Fund • BBIF Money Fund • BBIF Treasury Fund • BBIF Tax-Exempt Fund • BofA Cash Reserves – Daily Class, You can get many other federal payments by Direct Deposit (EFT) that are not part of the GoDirect® or DirectExpress® programs. For payments to benefit recipients, contact your financial institution or call 1-800-333-1795 (English) / 1-800-333-1792 (Spanish) or visit www.GoDirect.gov., Interest rates on "ML Direct Deposit Account" I recently txfrd some investments from Fidelity to ME. One of the CDs matured and its held in "ML DIRECT DEPOSIT PROGRM" How do i figure out its yield. In Fidelity, the money used to be invested in Money market funds which are doing pretty well right now, Fee Waiver Program 38 About the Merrill Lynch Bank Deposit Program 41 Margin Truth-in-Lending Disclosure Statement 48 Securities-Based Loan Disclosure Statement 51 Margin Risk Disclosure Statement 54 Appendix: CMA Account Fees 55 The following pages contain the disclosures and agreement governing your CMA Account, including, The bank routing number identifies a financial institution where a deposit. It’s used for making direct deposits and for sending money out of your account via a check or automated ..., Annual custodial fee, includes loan maintenance fee, 25 basis points min $60 ($80 for profit sharing and money purchase with 1 plans) max $100. Annual. Prototype plan fee, $50 per plan type (profit sharing and money purchase) Annual (Plan Sponsor Only) Duplicate Statement. BIA, WCMA, WCMA SUB., Merrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency and wholly owned subsidiary of BofA Corp. Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of BofA Corp., ML DIRECT DEPOSIT PROGRM Owner(s) Name: NGUYEN NGOC T Reported Owner Address: 1243 PANOCHE AVE SAN JOSE, CA 95122 ... Please note, if this property is stock or the contents of a safe deposit box, the SCO is required by law to sell the property after a specified time. However, you or your heirs will always be entitled to the net …, Real estate agents pay to have access to Multiple Listing Services (MLS), which gives them access to property sale listings. Realtors pay fees to their local realtor association, s..., Learn more about high-yield deposits. Highlighted Features. e-Sign. Send a secure message, set an appointment, e-sign documents and stay in touch with your advisor. See how it works. Mobile check deposit. Use the camera on your mobile devices to deposit checks from almost anywhere. View demo., Retirement Asset Savings Program --- Tier 3 ($1M to <$10M) 0.30% Retirement Asset Savings Program --- Tier 4 (>= $10M) 0.50% Retirement Asset Savings Program --- Tier 51 5.16% Merrill Lynch Direct Deposit Program 0.01% Merrill Lynch Direct Deposit Program --- Tier 63 5.16% Preferred Deposit for Business®5, 6 4.71%, Retirement Asset Savings Program --- Tier 3 ($1M to <$10M) 0.30% Retirement Asset Savings Program --- Tier 4 (>= $10M) 0.50% Retirement Asset Savings Program --- …, Effective September 2, 2014, the annual deposit fee Merrill Lynch receives from Merrill Lynch Affiliated Banks for each account with uninvested cash balances swept under the following programs will change: • For the Merrill Lynch Bank Deposit Program, Merrill Lynch Business Deposit Program and Merrill Lynch Direct Deposit Program, the fee ..., You can also cancel direct deposit by sending us a letter that includes your name, NYSLRS ID or retirement number, address and signature. You can attach your letter to our secure contact form, fax it to 518-473-5323 or mail it to: NYSLRS. 110 State Street. Albany, NY 12244-0001., Fee Waiver Program 38 About the Merrill Lynch Bank Deposit Program 41 Margin Truth-in-Lending Disclosure Statement 48 Securities-Based Loan Disclosure Statement 51 Margin Risk Disclosure Statement 54 Appendix: CMA Account Fees 55 The following pages contain the disclosures and agreement governing your CMA Account, including