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EMA® Access Visa® Card

Access to your EMA® Account.

Wherever you're going, assistance is right there with you. Enjoy greater peace of mind when you travel, thanks to a wide range of services available 24/7.

No Annual Fee*

Simplify your financial management, and save a few dollars in the process. This powerful card is available to EMA account holders at no additional cost.

Monitor Individual Employee Purchases

Assign up to 99 employees an individual card number linked to your EMA. Gain quick and easy access to all account information so you can track purchases. Monthly statements display each employee's activity, making it easy to identify and classify transactions.

Cap Spending Limits

You can designate a spending limit for each employee, and you can adjust those limits as often as you wish.

Get Cash Most Anywhere

Convenient ATM cash access lets your account holders withdraw up to $500 per card per day, at ATM locations worldwide.

*Additional restrictions apply. Please refer to Program Details.

Security Protection     Travel Protection     Where to Go if
There's a Problem

Our security promise to you

Merrill Lynch leads the way in addressing security and privacy concerns. Our financial services provide multiple layers of protection that include leading technology to protect your information on our computer systems, ongoing fraud monitoring to detect any unusual activity in your accounts, and responding quickly in an integrated manner to any reports of theft or fraud.

Your Merrill Lynch Card provides the complete protection you need. We not only take a determined approach in protecting you, but provide information to help you protect yourself and steps to take if you suspect there's a problem.

Merrill Lynch shares responsibility for protecting your privacy and personal information on our computer systems and we encourage you to protect yourself at home, at work - everywhere you go.

Zero Liability Fraud Protection

Visa's Zero Liability policy means 100% percent protection from unauthorized purchases regardless of where the transaction was made - at a store, on the Internet, by phone or by mail. Should someone steal the card number while you're shopping, online or off, you will pay nothing for the fraudulent activity.

Purchase Security1

Buy with confidence. Purchase Security will replace, repair, or fully reimburse you up to a maximum of $10,000 per claim for most retail goods purchased entirely with your card in the event of loss, theft, damage, or fire.

1Certain terms, conditions and exclusions apply.

Extended Protection1

When you use your WCMA Business Access card, Extended Protection doubles the time period of the original manufacturer's warranty up to one full year. Even gifts are covered!

1 Certain terms, conditions and exclusions apply.

Purchase Security1

Purchase an item with your Visa Business Signature Rewards Deferred Debit Card, and within the first 90 days, replacement, repair or reimbursement is available in the event of theft or damage caused by fire, vandalism, accidentally discharged water and certain weather conditions. The maximum claim limit is $10,000 for eligible items of personal property. For more information, call 1.800.VISA.911 (847.2911).

1 Certain terms, conditions and exclusions apply.

Let us know when you're traveling

Unusual events that don't fit your profile such as transactions occurring in several countries in short succession may trigger a fraud alert. So please advise us of your travel dates and locations; it will reduce the chance that you will experience an interruption in service. Just call your Financial Advisor, or if you do not have one contact us at 1.866.4ML.BUSINESS (465.2874).

3-Digit Code

On the back of your Merrill Lynch Visa® card you'll find a special 3-digit code (also called Cardholder Verification Value or CVV2) that you may be asked to provide if you're making a transaction online or on the phone. This safeguard measure ensures that you physically have your credit card with you and, in the event someone has stolen your card number (but not your actual physical card), they can't make any purchases.

Auto Rental Collision Damage Waiver1

Offers rental vehicle coverage for damage due to collision or theft-at no additional charge-up to the cash value of most rental vehicles. Covers: Physical damage and theft of the vehicle, valid loss-of-use charges imposed by the rental agency , towing charges, due to covered loss, to the nearest qualified repair facility

1Certain terms, conditions and exclusions apply.

Travel and Emergency Assistance1

You, your spouse and children (dependents under 22 years old), can take advantage of a wide range of emergency services 24 hours a day, 7 days a week. Simply call 1.800.678.0868. If you are traveling outside of the United States, ask an internatinal operator to connect you to +1.614.823.5161.

1You must charge the trip to your EMA Access™ Visa® Card to be eligible for this benefit. Visa Travel and Emergency Assistance Services provide assistance and referrals only. You are responsible for the cost of any actual medical or legal services, transportation, cash advance or other services or goods provided. Additional restrictions apply.

Travel Tips

Traveler's Checklist
What to Do Before Going Abroad

  • Photocopy your passport and driver's license and keep these separate from your travel documents. Photocopy the reverse side of your credit and debit cards, black out the card numbers, and record the card numbers to keep separately from the copies in a safe location. Give copies of everything to someone you can contact in case you need the information.
  • Research passport and visa requirements, health and airline regulations and consulate locations.
  • Make a list of all pertinent contact information, such as phone numbers for travel cancellations and car rentals. Include Merrill Lynch overseas contact numbers for lost or stolen cards, travel insurance benefits and customer service.
  • Contact Merrill Lynch before you leave to advise of upcoming travel plans; this will help ensure your foreign charge transactions are accepted. Once overseas, should your charge be declined, call Merrill Lynch collect via the international operator. Telephone numbers are listed on the back of your card. Collect calls from hotels may incur a significant service charge, so consider using a pay phone.
  • Convert your PIN to a four-digit number, as most foreign ATMs will not respond to PINs that are longer.
  • Call Merrill Lynch to find out if charges on your credit or debit card will incur a foreign exchange transaction fee while you're abroad.
  • Review all travel insurance terms and conditions carefully.

Reporting an Incident

If you suspect identity theft or fraud, it's important to act quickly so your financial institutions and law enforcement officials can respond accordingly. Please review the following steps to report an incident:

Step 1: Contact Merrill Lynch and other financial institutions.

  • For Merrill Lynch, please call us at 1.866.4ML.BUSINESS (465.2874) or contact your Financial Advisor.
  • For other financial institutions, call your standard customer service number and ask to speak to the security and fraud department.
  • They will take down your information over the phone. Also, make sure you request a fraud dispute form. It is critical you report identity theft and fraud in writing.
  • Keep a log of all your calls, with whom you spoke and in what department (including the date and time of the call).
  • When the matter is resolved, ask your financial institution to send you a letter stating that your account has been closed and discharged.

Step 2: Notify your other financial institutions.

  • It is recommended that you make your other financial institutions aware of your identity theft, in case your problem is more widespread than you originally thought.

Step 3: Contact the three credit bureaus.

  • Contact each of the three credit reporting agencies to place a fraud alert:
    • Equifax: 1.800.525.6285 or
    • Experian: 1.888.397.3742 or
    • TransUnion: 1.800.680.7289 or

Step 4: Notify the authorities about the theft/fraud.

  • File a police report where you suspect the identity theft/fraud occurred.
  • Ask to file a "miscellaneous incident" report. It is critical that you either obtain a copy of this report or get a copy of the report's number.
  • File a report with the Federal Trade Commission (FTC), a government agency charged with protecting consumers. The FTC can share your theft report with law enforcement agencies for investigation purposes.

  • Federal Trade Commission (consumer complaints):
    1.877.ID.THEFT (438.4338) or

  • If your complaint is related to telemarketing fraud, contact your State Attorney General to report it.

Emergency Card Replacement

If you are alerted of a problem, or in the event of a lost card, we can have a new card in your hand within 24 hours. And, in most cases, we can also send emergency cash to you. Please call us at 1.800.MERRILL (637.7455) or contact your Financial Advisor.

 Please contact us at: 1.800.MERRILL (637.7455)
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To view your EMA® Access Visa® Card Program Details: Click here







How many cards can an organization have on an account?

There is a limit of 99 cards per EMA account.

Can a card be issued with just the organization's name on it?

No. Each card must contain both the organization's name and cardholder's name. Each card can have only one authorized signer.

What is the fee for the EMA Visa card?

The EMA Visa card does not have a fee, even if you have 99 cards per account.

Is there deferred debit with the EMA Visa card?

No. The account is debited when the transaction occurs.

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How can my organization apply for the standard EMA Visa card?

An EMA account is required in order to apply for the standard EMA Visa card. Speak with your Merrill Lynch Financial Advisor, or call 1.800.MERRILL (637.7455).

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How is the Visa card activity presented on the EMA statement?

The EMA Visa Card activity is organized by cardholder name in the Visa summary section of the EMA monthly statement.

Can Visa card activity be viewed online?

Yes. You can monitor Visa activity online. The MLOL website address is After you login, select "Accounts" - located on the top navigation bar, then "Account Info" and then "Visa Transactions" - found on the drop down menu on the right side of your screen.
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Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment products:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Bank of America Corporation.