How are balances calculated to qualify for $0¹ online equity and ETF trades for joint brokerage accounts?

We calculate the $25,000 balance requirement based on combined cash balances in Bank of America, N.A. deposit accounts, or combined cash balances in a Merrill Edge self-directed investing account: Bank Deposit Account sweep option with your CMA, or Retirement Assets Savings Program (RASP) sweep with your IRA. For example: Jim and Christine have the following cash balances in Bank of America, N.A. more.

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