--- title: "Benefits OnLine - Reviews, Revenue and Downloads in United States | Apple App Store" description: "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." --- # Benefits OnLine — United States > Retirement & Benefit Services ![Benefits OnLine App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/37/3d/7b/373d7bf6-74cf-4167-aa4a-08fc9f25dc07/BOLAppIcon-1x_U007emarketing-0-8-0-0-85-220-0.png/400x400bb.png) **Developer:** [Merrill Lynch, Pierce, Fenner, and Smith](https://apptail.io/developer/merrill-lynch-pierce-fenner-and-smith-zvgb) **Category:** Finance **Rating:** 3.0/5 (1,233 ratings) **Price:** Free **Bundle ID:** com.ml.mobile.benefitsiphone **Store:** Apple App Store **Country:** United States **Version:** 26.09.02 (released 2026-09-08) **Original Release:** 2018-10-02 **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1419745724) **AppTail Page:** [https://apptail.io/app/benefits-online-QDHb/united-states](https://apptail.io/app/benefits-online-QDHb/united-states) ## Benefits OnLine Description 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 IMPORTANT NOTICE: The Benefits OnLine® app for iPhone 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 Touch ID/Face ID. 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 © 2026 Bank of America Corporation. All Rights Reserved Benefits OnLine is a registered trademark of Bank of America Corporation. ## Benefits OnLine Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/a3/db/e0/a3dbe041-4fe0-2e1c-3a28-be90a862cd7a/12b0f1eb-9160-4921-a2df-2c57a1d6a548_iphone-BO-overview.png/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/7e/57/04/7e57046d-3705-08d2-9d7f-54cdc76b5008/541e7ae1-fd7a-485a-ad1a-46fc201eafc1_iphone-BO-navigation.png/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/bd/cc/db/bdccdb87-6a52-4f4c-24dd-ab2865cefcc8/4df6d11e-1115-40eb-a6a1-986124bf004d_iphone-BO-accounts.png/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/d3/38/08/d33808bc-060a-3aee-1b7c-43e7e06e34d1/02193203-c71f-4f14-8bb5-3bc0ecc61335_iphone-BO-up-to-date.png/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e4/c2/72/e4c2724b-04d5-502e-1fe9-3a46a9a88ccb/e1a7b0cc-0b52-4e5b-824c-b20fabf7db41_iphone-BO-manage.png/1242x2688.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/16/74/6f/16746f74-f453-d9ea-013f-3ea71c14eb4f/f903b1a1-594f-4406-b267-53bac18e2945_iphone-BO-take-action.png/1242x2688.png) ## Benefits OnLine Rating Breakdown in United States - 5 stars: 465 (38%) - 4 stars: 96 (8%) - 3 stars: 98 (8%) - 2 stars: 92 (7%) - 1 stars: 482 (39%) ## Benefits OnLine Reviews in United States ### *---- "Garbage App" I have a self directed brokerage account, you can do nothing in this app as far as trading short delayed updates on holdings. Account balance is always updated after hours. Hey Merril open a Fidelity account and see how a real mobile app is supposed to work! -- Nak714, 2024-12-23 ### *---- "Loans" In loans seccition not open an error occurred need an update ASAP -- elshalopr, 2024-12-20 ### *---- "Can’t see my account!" I have a 401k with Merrill Lynch benefits, but when I login. In the app, the only thing I see is the login and once I am logged in a web view to get all documents and communication online instead of by mail. If close I am unloggued and I cannot do anything else! Worthless! -- Sylrider 2, 2024-12-17 ### *---- "Hardly works" Doesn’t show recent withdrawals. Says “unable to process request” when trying to see account. -- moreinfotheydontneed, 2024-12-03 ### ***-- "Update please" Really need to update the app I can’t put my card in to pay a loan just all around a headache -- Jul655435, 2024-11-08 ### *---- "No access to make trades???" Called customer service to come to a surprise that rep over the phone found it surprising that I have no access to make trades within my self direct brokerage account?? It’s 2025 - how is that not something that is not built in? Please include! -- ramon540, 2024-10-08 ### *---- "Arreglar la basura de load" No funciona sale que no encontramos esta pagina tiene 1 mes completo no son pendiente a esta baina señores que bajon dieron ustedes -- furntornnfj, 2024-10-07 ### *---- "Cant access account !!!!!" Takes 45/60 min of trying and trying and trying to log in before it will allow you to access your account . Then if you clink something it kicks you right back out once your in. If your able to get in. All my coworkers have this same issue. Good luck trying to monitor your investments. Throwing money at it and praying it turns out ok. By far the worst investment app/broker I have used to date!!!!! -- App access failure!!, 2024-10-04 ### **--- "Merrill Lynch Benefits" Worst app ever. If you forget your password. It will lock you out. The app will say call a number. You call that number. Only to get someone saying try login on www. BenefitsML.com. Which doesn’t do anything to resolve the problem. -- f1Sportsfan, 2024-09-13 ### *---- "Useless" If you click anything on this app it just takes you to a blank page. Nothing loads. This is useless -- Kdste, 2024-09-11 [View all Benefits OnLine reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Benefits OnLine Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Free | Canada | Finance | #178 | | Top Free | United States | Finance | #240 | ## Benefits OnLine Discovered Keywords - service online - 401k - benefits - benefit mobile - benefits online - bank of america health - my health bank of america - boa hsa - bank of america hsa - smith online ## Apps Similar to Benefits OnLine - [NetBenefits](https://apptail.io/app/netbenefits-Sxd/united-states) - [HealthEquity Mobile](https://apptail.io/app/healthequity-mobile-qzd/united-states) - [ONE@Work (formerly Even)](https://apptail.io/app/one-at-work-formerly-even-qbk/united-states) - [Flagscape Authenticator™](https://apptail.io/app/flagscape-authenticator-yEs/united-states) - [OnePay – Mobile Banking](https://apptail.io/app/onepay-mobile-banking-gcu/united-states) - [Associate Stock](https://apptail.io/app/associate-stock-TCI/united-states) - [EXCEED by Money Network](https://apptail.io/app/exceed-by-money-network-rxL/united-states) - [Optum Bank](https://apptail.io/app/optum-bank-WzL/united-states) - [T. Rowe Price Personal®](https://apptail.io/app/t-rowe-price-personal-DIU/united-states) - [HSA Bank](https://apptail.io/app/hsa-bank-qFub/united-states) ## Benefits OnLine Available In - [United States](https://apptail.io/app/benefits-online-QDHb/united-states) - [United Kingdom](https://apptail.io/app/benefits-online-QDHb/united-kingdom) - [China](https://apptail.io/app/benefits-online-QDHb/china) - [Russia](https://apptail.io/app/benefits-online-QDHb/russia) - [India](https://apptail.io/app/benefits-online-QDHb/india) - [Spain](https://apptail.io/app/benefits-online-QDHb/spain) - [Japan](https://apptail.io/app/benefits-online-QDHb/japan) - [Canada](https://apptail.io/app/benefits-online-QDHb/canada) - [Hong Kong SAR China](https://apptail.io/app/benefits-online-QDHb/hong-kong) - [Singapore](https://apptail.io/app/benefits-online-QDHb/singapore) - [United Arab Emirates](https://apptail.io/app/benefits-online-QDHb/united-arab-emirates) - [France](https://apptail.io/app/benefits-online-QDHb/france) - [Portugal](https://apptail.io/app/benefits-online-QDHb/portugal) - [Saudi Arabia](https://apptail.io/app/benefits-online-QDHb/saudi-arabia) - [Australia](https://apptail.io/app/benefits-online-QDHb/australia) - [Ireland](https://apptail.io/app/benefits-online-QDHb/ireland) - [Germany](https://apptail.io/app/benefits-online-QDHb/germany) - [Nigeria](https://apptail.io/app/benefits-online-QDHb/nigeria) - [Netherlands](https://apptail.io/app/benefits-online-QDHb/netherlands) - [Argentina](https://apptail.io/app/benefits-online-QDHb/argentina) - [Hungary](https://apptail.io/app/benefits-online-QDHb/hungary) - [Israel](https://apptail.io/app/benefits-online-QDHb/israel) - [Iceland](https://apptail.io/app/benefits-online-QDHb/iceland) - [Italy](https://apptail.io/app/benefits-online-QDHb/italy) - [South Korea](https://apptail.io/app/benefits-online-QDHb/south-korea) - [Kuwait](https://apptail.io/app/benefits-online-QDHb/kuwait) - [Kazakhstan](https://apptail.io/app/benefits-online-QDHb/kazakhstan) - [Lithuania](https://apptail.io/app/benefits-online-QDHb/lithuania) - [Luxembourg](https://apptail.io/app/benefits-online-QDHb/luxembourg) - [Latvia](https://apptail.io/app/benefits-online-QDHb/latvia) - [Madagascar](https://apptail.io/app/benefits-online-QDHb/madagascar) - [Mexico](https://apptail.io/app/benefits-online-QDHb/mexico) - [Malaysia](https://apptail.io/app/benefits-online-QDHb/malaysia) - [Norway](https://apptail.io/app/benefits-online-QDHb/norway) - [New Zealand](https://apptail.io/app/benefits-online-QDHb/new-zealand) - [Peru](https://apptail.io/app/benefits-online-QDHb/peru) - [Philippines](https://apptail.io/app/benefits-online-QDHb/philippines) - [Pakistan](https://apptail.io/app/benefits-online-QDHb/pakistan) - [Poland](https://apptail.io/app/benefits-online-QDHb/poland) - [Romania](https://apptail.io/app/benefits-online-QDHb/romania) - [Sweden](https://apptail.io/app/benefits-online-QDHb/sweden) - [Slovenia](https://apptail.io/app/benefits-online-QDHb/slovenia) - [Slovakia](https://apptail.io/app/benefits-online-QDHb/slovakia) - [Thailand](https://apptail.io/app/benefits-online-QDHb/thailand) - [Tunisia](https://apptail.io/app/benefits-online-QDHb/tunisia) - [Türkiye](https://apptail.io/app/benefits-online-QDHb/turkey) - [Taiwan](https://apptail.io/app/benefits-online-QDHb/taiwan) - [Uzbekistan](https://apptail.io/app/benefits-online-QDHb/uzbekistan) - [Vietnam](https://apptail.io/app/benefits-online-QDHb/vietnam) - [South Africa](https://apptail.io/app/benefits-online-QDHb/south-africa) - [Armenia](https://apptail.io/app/benefits-online-QDHb/armenia) - [Austria](https://apptail.io/app/benefits-online-QDHb/austria) - [Azerbaijan](https://apptail.io/app/benefits-online-QDHb/azerbaijan) - [Belgium](https://apptail.io/app/benefits-online-QDHb/belgium) - [Bulgaria](https://apptail.io/app/benefits-online-QDHb/bulgaria) - [Bahrain](https://apptail.io/app/benefits-online-QDHb/bahrain) - [Brazil](https://apptail.io/app/benefits-online-QDHb/brazil) - [Switzerland](https://apptail.io/app/benefits-online-QDHb/switzerland) - [Chile](https://apptail.io/app/benefits-online-QDHb/chile) - [Colombia](https://apptail.io/app/benefits-online-QDHb/colombia) - [Czechia](https://apptail.io/app/benefits-online-QDHb/czechia) - [Denmark](https://apptail.io/app/benefits-online-QDHb/denmark) - [Dominican Republic](https://apptail.io/app/benefits-online-QDHb/dominican-republic) - [Algeria](https://apptail.io/app/benefits-online-QDHb/algeria) - [Ecuador](https://apptail.io/app/benefits-online-QDHb/ecuador) - [Estonia](https://apptail.io/app/benefits-online-QDHb/estonia) - [Egypt](https://apptail.io/app/benefits-online-QDHb/egypt) - [Finland](https://apptail.io/app/benefits-online-QDHb/finland) - [Greece](https://apptail.io/app/benefits-online-QDHb/greece) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. Track your app's performance, discover ranking keywords, monitor competitors, and analyze market trends. - [Search Apps](https://apptail.io) - [Top Charts](https://apptail.io/top-iphone-apps) - [Sign Up for Full Access](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=footer) *Data provided by [AppTail](https://apptail.io) - Mobile App Intelligence Platform*