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Funds Transfer Service Enrollment Form, page 1
Basic · 37/100Form Complexity Index

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What this form asks for

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This form allows clients of Merrill Lynch and Bank of America to enroll in the Funds Transfer Service (FTS), enabling them to move money between a primary Merrill or BofA account and a secondary account, which can be at another financial institution. It is used to set up one-time or recurring transfers, specify transfer directions, and automate the movement of dividends and interest. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields50
Pages2
Form Complexity IndexBasic, 37/100

The AI checks your answers before you download

12 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Account A Eligibility Verification

This check verifies that the 'Account A (Merrill Primary Account Number)' corresponds to an eligible account type as listed in the form's guidelines (e.g., CMA, WCMA). It cross-references the account number against a database of Merrill accounts to ensure it is not an ineligible type, such as an IRA, 529, or Estate account. If the account is ineligible, the enrollment cannot proceed, preventing unauthorized or non-compliant transfers.

External Account B Requirements

This validation ensures that if 'Account B (Secondary Account Number)' is not a Merrill or Bank of America account, then both the 'ABA Routing Number' and an account type ('Checking' or 'Savings') are provided. These fields are essential for initiating ACH transfers to external institutions. Failure to provide this information for an external account will result in an incomplete submission and prevent the setup of transfers involving that account.

ABA Routing Number Format and Validity

This check validates that the provided 'ABA Routing Number' is exactly 9 digits long and conforms to the standard ABA checksum algorithm. This is critical for correctly identifying the destination financial institution for ACH transactions. An invalid or incorrectly formatted routing number will cause the transfer to fail, so this check prevents submission until a valid number is entered.

Mandatory Transaction Direction Selection

This validation ensures that the user has selected exactly one of the three required transaction direction options in Section 2: 'Only from Account A to Account B', 'Transfers in both directions', or 'Only from Account B to Account A'. The service cannot be established without a clear instruction on the permitted flow of funds. If zero or more than one option is selected, the form submission will be rejected.

Both-Way Transfer Ownership Verification

If 'Transfers in both directions' is selected, this check compares the holder names listed for Account A and Account B to confirm at least one common owner. As per the form's rules, bidirectional transfers are only permitted when there is common ownership or identical Tax IDs. If no common owner is found, the system should reject the 'both ways' selection and inform the user that only one-way transfers from A to B are allowed.

LMA to Merrill Transfer Prohibition

This check enforces the rule that transfers from a Loan Management Account (LMA) to a Merrill account are not permitted. If Account A is identified as an LMA account and Account B is a Merrill account, any selection allowing transfers from A to B (options 1 or 2) must be blocked. This prevents users from setting up a prohibited transaction type, ensuring compliance with the product's specific constraints.

And 6 more checks
  • Recurring Transfer Section Completeness
  • Recurring Start Date Chronology
  • Recurring Duration Logic Check
  • Signature and Date Requirement
  • Account Holder Name Completeness
  • External Account Documentation Check

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How to Fill Out 413-1022 Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select the Funds Transfer Service Enrollment Form.
  2. Provide the account details for your primary (Account A) and secondary (Account B) accounts, including account numbers, holder names, and routing numbers if applicable.
  3. Select the desired transaction options, such as the direction of transfers (e.g., from A to B, B to A, or both ways) and any optional dividend sweep features.
  4. If establishing recurring transfers, use the AI assistant to input the specific amount, frequency, start date, and duration for the automated payments.
  5. Attach a digital copy of a voided check or bank letter if Account B is not a Merrill or Bank of America account.
  6. Review all the information auto-populated by the AI for accuracy, ensuring all account numbers and names are correct.
  7. Electronically sign and date the form in the designated signature fields before submitting it to your branch office.

Common Mistakes in Completing 413-1022

The ones the AI is built to catch.

Using an Ineligible Account Type
Applicants often attempt to enroll accounts that are explicitly listed as ineligible, such as IRAs, 529 plans, or Health Savings Accounts. This happens when they don't carefully review the eligibility guidelines on the first page. Submitting the form with an ineligible account will lead to immediate rejection and require the applicant to start the process over with a correct account.
Requesting Two-Way Transfers with Mismatched Ownership
A frequent error is selecting 'Transfers in both directions' when there is no common owner or identical Tax ID Number between Account A and Account B. The form's rules are strict on this to prevent unauthorized movements of funds. This mistake results in the request being downgraded to a one-way transfer (from A to B only) or outright rejection, causing delays. To avoid this, verify that at least one name or the TIN is an exact match on both accounts before selecting this option.
Forgetting Proof for External Accounts
When Account B is not a Merrill or Bank of America account, applicants must attach a voided check or a specific type of bank letter, but this step is commonly missed. People either forget to attach the document or attach an unacceptable one, like a deposit slip. This omission will halt the enrollment process until the correct documentation is provided, delaying the ability to transfer funds. Always double-check attachment requirements for external accounts.
Incomplete Recurring Transfer Instructions
When setting up a recurring transfer in Section 3, it's common for users to fill out some fields but miss others, such as the 'Amount', 'Frequency', 'Start Date', or 'Duration'. Since all these fields are required to schedule a transfer, any missing information will render the entire recurring setup invalid. To prevent this, carefully complete every required field in Section 3 if you wish to establish an automated transfer.
Incorrect Number of Signatures
Applicants often misunderstand the signature requirements, which vary by account type. For example, a single signature is sufficient for a joint account, but all trustees may need to sign for a trust account. Providing the wrong number of signatures can lead to rejection for compliance reasons, requiring the form to be re-signed and resubmitted. Carefully read the instructions in Section 4 to determine the exact signature requirements for your specific account ownership structure.
Transposing Account or Routing Numbers
Simple data entry errors, like transposing digits in the Account B number or the ABA Routing Number, are extremely common. Such a mistake will cause transfers to fail or, in a worst-case scenario, be sent to an incorrect account. To avoid this, meticulously double-check the numbers against your bank statement or check. AI-powered form-filling tools like Instafill.ai can help prevent these errors by validating number formats and reducing manual entry.
Invalid Loan Management Account (LMA) Transfer
Users with LMA accounts sometimes try to set up a transfer from their LMA (Account A) to a Merrill account (Account B). However, the form and disclosures explicitly state this type of transfer is not permitted. This error occurs from not reading the LMA-specific guidelines and results in the transfer request being denied. Always consult the 'LMA FTS Transaction Availability Chart' before attempting to enroll an LMA account.
Incomplete Listing of Account Holders
The form requires listing all account holders for Account A and Account B, but people sometimes only list the primary holder. This can create verification issues, especially when trying to establish eligibility for two-way transfers based on common ownership. Failing to list all owners can cause processing delays while the financial institution requests clarification. Ensure all joint owners, trustees, or business signatories are listed exactly as they appear on account statements.
Conflicting Selections for Transfer Direction
In Section 2, applicants are required to select only one option for the primary transfer direction (options 1, 2, or 3). A common mistake is checking multiple boxes, such as selecting both 'Only from Account A to Account B' and 'Transfers in both directions'. This creates ambiguity and will cause the form to be returned for correction. To avoid this, choose only one of the first three options that best suits your transfer needs.
Misunderstanding Dividend Sweep Persistence
Applicants may select the optional dividend sweep (options 4 or 5) believing it is a temporary instruction that aligns with the duration set in Section 3. However, the form states that these sweeps 'continue until cancelled or until Account A is closed,' overriding other duration settings. This misunderstanding can lead to unintended, long-term transfers of all dividends and interest. Be aware that this is an indefinite instruction that must be actively canceled if no longer desired.

Frequently Asked Questions About 413-1022

 

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How does the AI fill out 413-1022?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of 413-1022, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
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It is encrypted in transit and at rest, and it is never used to train AI.
How complex is 413-1022 to fill out?
413-1022 has a Form Complexity Index of 37 out of 100, in the basic tier: 50 fillable fields across 2 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the Funds Transfer Service Enrollment Form?
This form is used to enroll in the Funds Transfer Service, which allows you to move money electronically between your primary Merrill account and a secondary account at Merrill, Bank of America, or another financial institution.
Which of my accounts are eligible for this service?
Eligible primary accounts include Merrill Cash Management Accounts (CMA) and Working Capital Management Accounts (WCMA), among others listed on the form. Retirement accounts like IRAs, 529 accounts, and Health Savings Accounts are not eligible.
What documents do I need if my secondary account is not with Merrill or Bank of America?
You must attach a preprinted voided check for the secondary account (Account B). If you don't have a check, you can provide a bank statement or a signed letter from your bank on their letterhead that includes all required account details.
Can I set up transfers to and from my accounts in both directions?
Yes, you can select 'Transfers in both directions' in Section 2. However, this is only possible if there is at least one common owner between both accounts or if the Tax ID numbers are identical for business accounts.
How do I set up an automatic, recurring transfer?
To set up a recurring transfer, you must complete all the required fields in Section 3. This includes specifying the amount, frequency, start date, and duration of the transfers.
Are there special rules for using a Loan Management Account (LMA)?
Yes, there are specific restrictions for LMA accounts, such as not being able to transfer funds from an LMA account to a Merrill account. Refer to the 'Additional Guidelines and Disclosures' on the form for full details.
Who needs to sign the form in Section 4?
For single and joint accounts, only one account holder needs to sign. For trusts, certain fiduciary arrangements, or businesses, all required persons (trustees, authorized representatives) may need to sign.
What is the difference between the options in Section 2 for 'Daily' or 'Monthly Transfers of All Dividends and Interest'?
These are optional features that automatically transfer all dividends and interest earned in Account A to Account B on a daily or monthly basis. Selecting one of these will override any previous dividend instructions for the account.
How do I submit the completed form?
After completing and signing the form, you should submit it to your branch office. The instructions state to upload the document under your primary Merrill account (Account A).
Can I cancel a transfer I set up with this form?
Yes, you can cancel previously established transfers by using mymerrill.com, calling 1.800.MERRILL, or contacting your advisor.
Can an AI tool help me fill out this form?
Yes, services like Instafill.ai use AI to help you accurately auto-fill form fields with your information, which saves time and helps prevent errors.
How can I fill out this form online?
You can use a service like Instafill.ai to easily fill this form online. Simply upload the document, and the tool will guide you in entering your information into the correct fields before you print for submission.
The PDF I have of this form isn't fillable. What can I do?
If you have a flat or non-fillable PDF, you can use a tool like Instafill.ai to convert it into an interactive, fillable form. This allows you to type your information directly onto the document instead of printing and filling it out by hand.
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