![]() You can roll existing IRAs and investment accounts over to Merrill or Bank of America and immediately use those balances to begin establishing a three-month average to boost your tier. Your balance doesn't need to originate with Merrill or Bank of America to count toward each threshold. Once you add in investment accounts, such as IRAs, you may even find that the Platinum or Platinum Honors tiers are within reach. If you have an emergency fund, a holiday account, a savings account and a checking account, combining all those balances may qualify you for a Preferred Rewards tier. But don't throw in the towel straight away. While not exorbitant, even the lowest level requires some pretty high figures.
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