Contact Benefits OnLine Support

The worst financial services app I have ever used. Forced to use as it is the choice of my employer. The user experience is horrible, app performance is slow, the application has extremely limited features in mobile platform and forces to revert to desktop website even to perform basic actions like viewing transaction history of an ESPP account. Services are also horrible, with delays in vesting RSUs without any proper heads up/communication; leaves you wondering what happened to your equity rewards. My vested RSUs disappeared from my account, decreasing my net account value, no information in the mobile app explaining what happened, no messages in the message center, only a small alert box in the website (if you know where to look) that says it will be made available again for transaction no later than 8 days AFTER the vesting date. I tried linking an external checking account that required a validation by entering a small sum of money that was deposited there - except there were no deposits. Compared to my previous wealth management services from another reputed bank, the quality and service here is light years behind.

This may be one of the worst apps I have come across, easily the worst financial app. If I wasn’t forced to use it by my employer I would never migrate to Merrill. First, the app gives you no visibility into any dividends earned from your holdings. Accordingly you have no way of knowing your cash balance without calling a representative or waiting until the end of the year for your tax firm. Secondly the app does not show you your balance after you sell a holding/position. So if you sold a stock you can not see the cash value of the sale in the app. Again you have to call to determine your balance and have them send a check not even a direct deposit. Simply unacceptable.

This app is really difficult to use and a company like Merrill do better than this. Doing something as seemingly simple as viewing a stock grant and reviewing a calendar of vesting dates is a convoluted mess to navigate. There should be an dashboard that shows all your holdings and an easy to read vesting schedule organized by year. It’s amazing that something so simple would elude the devotees of this app. Would love to see some improvements in the near future.