A:Say "The last four digits of your SS#." Then keep saying "Representative" until you are transferred.Our free phone can also navigate phone menus to get a live human at Merrill Lynch for you.
Q:
Does Merrill Lynch offer 24 hour customer service?
A:Yes! This call center operates 24 hours a day, 7 days a week.The least busy day is Sunday, and the most busy day is Monday.Schedule a call when it's convenient for you.
Q:
How long will I wait on hold?
A:The average hold time is 14 minutes.The longest hold times are on Monday, and the shortest are on Wednesday.You can skip the hold time for free.
Toll-free · 24 hours, 7 days · Calling this Merrill Lynch number should go right to a real human being · To get started, what are the last 4 digits of your social security number? · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Don't press or say anything · How do you want to identify yourself? Social security number, Benefits online ID, or Internal verification number. · Free tools available: Talk for me, Skip the wait, Schedule my call
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Merrill Lynch below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Merrill Lynch phone number to document the phone system.
Here is how our research team describes the way the Merrill Lynch phone system greets you: We will need to send you a text to confirm your number. May we send a text to your cell phone now? Say "Yes" or "No".
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Say "The last four digits of your SS#." Then keep saying "Representative" until you are transferred.
Below are some clips we've found from Merrill Lynch's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
They may ask you to enter information with the dial pad
"This call may be recorded. Welcome to Merrill Lynch Wealth Management.
To get started, please speak or enter your Merrill or your Bank of America I didn't understand."
Excerpt from a call with Merrill Lynch
Tuesday, June 17, 2025 11:08 PM
They may ask you to say or enter information
"This call may be recorded.
Welcome to Merrill Lynch Wealth Management.
To get started, what are the last four digits of your Social Security number?
I didn't understand. Please say or enter the last four digits of your Social Security number or tax ID."
Excerpt from a call with Merrill Lynch
Sunday, August 4, 2024 1:55 PM
The first phone menu
"This call may be recorded. Welcome to Merrill Lynch Wealth Management.
To get started, please speak or enter your Merrill or your Bank of America account number or card number.
To better assist you, please enter your full card or account number. If you need more time, say wait a moment or press one.
If you don't have a Merry Global Wealth Management or Bank of America account, say prospective client or press two."
Excerpt from a call with Merrill Lynch
Friday, June 14, 2024 4:19 AM
What are the hours and when should I call?
Merrill Lynch operates the call center for this 800-637-7455 phone number 24 hours, 7 days.The short answer is that you should call on a Thursday.This observation and the following section are based on analysis of a sample set of 618 calls made in the last 90 days using our free, web-based phone (see above).
Call when they- and you- are open
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, you can also schedule the call with Merrill Lynch at a time when they are open and when it works for you. We will confirm you are ready before placing the call, just in case. That means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Merrill Lynch phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Merrill Lynch staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Merrill Lynch is Sunday.The most busy day to call is Monday, which averages 388% more phone calls by comparison.Again, this is based on a sample of 618 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Busiest
Tue
Wed
Thu
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Wednesday.The longest wait in the queue on average occurs on Monday.
When you call the customer service phone number for Merrill Lynch, you're greeted by an automated messaging system and informed that the call may be recorded or monitored. You are then asked to enter your Merrill Lynch or Bank of America full card or account number.
If you don't say anything or enter a number (because, like me, you don't have one yet), the system thankfully says to say "prospective client" or press 2. (You also have the option to press 1 or say "wait a moment" for more time to type in the number.)
If you press 2, you're taken to a new phone menu which is voice-activated for the first cycle. If you don't say anything, the menu repeats, but this time with keypad options: if you're an existing client but don't have your card or account number, say "client" or press 1; for information on products or services, say "product information" or press 2; to speak with an associate regarding retirement, say "retirement account" or press 3; and if you're calling from another financial institution, say "account transfer" or press 4.
This is a somewhat odd phone menu to present to a caller who just indicated they are a prospective client, not a current one, although I suppose options 2 and 4 are most applicable. I pressed option 2, and then the call failed and ended automatically. Not sure what happened there; I assume it's unrelated to Merrill Lynch.
I called back and again navigated to the secondary "press 2" option and was successfully transferred to a service associate. The person I spoke to was very knowledgeable and helpful! For once, I was glad I called instead of just sticking to the website, even though navigating to the point where I was finally routed to an actual human being took a minute.
Christian has been writing about long hold times and customer service call center experiences since 2010. He's been featured in Bloomberg, the Wall Street Journal and the Boston Globe.
Why Customers Call Merrill Lynch
If you have time to do a bit of reading before you call Merrill Lynch, we recommend you read over some of our problem-specific articles.
Click the link above to get answers to just about any Merrill Lynch customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Merrill Lynch, and their purpose. Are any of these similar to the reason you are trying to call?
Unlock online account: "I'm just trying to unlock my online account."
- From a call lasting 4m 19s , Jun 17, 2025 11:08 PM
Unlock account assistance: "I want to unlock my account."
- From a call lasting 20m 46s , May 9, 2025 2:29 AM
Unlocking account access: "My call seems locked whenever I try to log in, it says it is locked."
- From a call lasting 25m 53s , May 9, 2025 2:03 AM
Accessing online benefits: "I do not have my user ID."
- From a call lasting 8m 45s , May 9, 2025 1:49 AM
Unlocking account access: "I need help unlocking my account."
- From a call lasting 4m 1s , May 9, 2025 1:41 AM
Information about why customers call Merrill Lynch is extracted from issues that customers have reported to GetHuman.
As a last, sometimes only, resort- Merrill Lynch customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is Merrill Lynch's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Merrill Lynch agent. This phone number is Merrill Lynch's best phone number because 29,420 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-637-7455 include Account issue, Setup account, Cancel account, Question, Complaint and other customer service issues. Rather than trying to call Merrill Lynch first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, Merrill Lynch has 3 phone numbers. It's not always clear what is the best way to talk to Merrill Lynch representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Merrill Lynch. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Merrill Lynch. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.
