Online Cash Management Solutions
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Manage Your Company’s Finances Online

Establish control over your day-to-day cash management activities by using the Merrill Lynch Business Center, a secure 24/7 online business cash management service integrated with your Working Capital Management Account® (WCMA® account), Business Investor AccountSM (BIASM account) and the Loan Management Account®  (LMA® account). You and your designated employees can perform a wide range of cash management solutions anytime.

  • Manage your working capital more effectively with comprehensive information reporting
  • Process transactions conveniently through a single electronic portal
  • Control employee account access though multiple permission levels

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Merrill Lynch Business Center Features

Information reporting

Nine standard business reports let you obtain comprehensive balance and transaction reporting, current and historical cash, portfolio and available balance information, electronic transfers, check disbursements, deposits, Visa® Business card activity, and lockbox receipts. You can also generate customized reports using the “transaction search” feature.

Electronic statements

View monthly statements online.

Check imaging

View, download and print copies of canceled checks (accepted by the IRS as proof of payment).

Download information

Export financial data to your desktop and analyze it using familiar applications such as Microsoft Excel spreadsheets.

Information ExchangeSM service

Retrieve account balance information from other financial institutions and view them in Merrill Lynch Business Center reports.

Transaction processing

Initiate wire transfer disbursements from external bank accounts, transfer funds between enrolled WCMA accounts, automate collection of client receivables, automate the sweep of funds from external bank accounts, pay bills, and file payroll tax payments.

Permission levels

Segregate information and access levels among authorized users. Establish transaction limits per authorized user.

Security

Merrill Lynch Business Center uses Secured Socket Layer (SSL), 128-bit encryption technology to prevent unauthorized access.

Frequently Asked Questions About Online Business Cash Management Service

What is the Merrill Lynch Business Center?

Merrill Lynch Business Center is a 24-hour online business cash management service, integrated with the Working Capital Management Account® (WCMA® account), allowing you and designated employees to perform a wide range of electronic cash management activities, such as information reporting and transaction processing.

Which Web browsers are certified for the Merrill Lynch Business Center?

The following Web browsers have been tested and certified for the Business Center:

  • Netscape Navigator 7.0 and above (English Version)
  • Microsoft Internet Explorer 5.5 with Service Pack 2 (SP2) (English Version)
  • Microsoft Internet Explorer 6.0 (English Version)
  • Microsoft Internet Explorer 6.0 with Service Pack 1 (SP1) (English Version) 

What is the difference between Merrill Lynch Business Center and Merrill Lynch OnLineSM?

Merrill Lynch Business Center is an online business cash management tool designed specifically for business owners and designated employees. It is used to help you manage financial functions linked with your WCMA account. Merrill Lynch OnLine, for both individual and business clients, is designed to manage investment and portfolio information and trades.

What is the difference between Funds Transfer Service (FTS) and Merrill Lynch Business Center?

Funds Transfer Service (FTS) allows clients to move funds online from one account to another. However, this online transaction is possible only when the account title is the same on both accounts. This service is designed specifically to meet the needs of individual clients.

What is the fee for Merrill Lynch Business Center?

Access to the Merrill Lynch Business Center comes with your WCMA account. There is no fee for information reporting or ACH service.

What types of information reports are available with Merrill Lynch Business Center?

There are a number of current-day and previous-day reports available. Click here to view additional information on reporting.

Can I electronically transfer funds between WCMA accounts?

Yes, you can transfer funds between multiple WCMA accounts that are enrolled in Merrill Lynch Business Center. Once the transfer is released, the debiting account will immediately reflect a decrease in available funds, while the receiving account will immediately reflect a comparable increase in available funds.

Related Products & Services

For your business financial needs:

For your personal financial needs:

For more information call at 1.866.4ML-BUSINESS (465-2874) or e-mail us at AskMLBiz@ml.com.

Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer, not a bank, and the WCMA account is not a bank account. Banking services are provided by licensed banks or by third parties through arrangements with licensed banks. Unless otherwise indicated, investment products are not FDIC-insured, not guaranteed by a bank and may lose value. 

Lockbox Solutions are offered through PNC bank, an independent provider not affiliated with Merrill Lynch.  Merrill Lynch refers lockbox inquiries to PNC Bank and may receive a fee for such a referral. 

The Merrill Lynch Private Sales Referral Network is a service through which Merrill Lynch clients are referred to independent third party investment banking firms.

Working Capital Management Account  and WCMA are registered service marks of Merrill Lynch & Co., Inc.

The WCMA® account is a product of Merrill Lynch, Pierce, Fenner & Smith Incorporated.