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WCMA® Business Access Visa® Card

Access to your WCMA® Account.

Gain tighter control of all your finances. Track all business purchases, and oversee every employee expenditure with precise, monthly statements.

No Annual Fee*

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

Monitor Individual Employee Purchases

Assign up to 99 employees an individual card number linked to your WMCA. 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     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

Provides coverage for damage due to collision or theft up to the actual cash value of most rental vehicles.

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 international operator to connect you to +1.614.823.5161.

1You must charge the trip to your WCMA® Business 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.

Common Carrier Travel Accident Insurance1

You're automatically covered for up to $1 million in accidental death or dismemberment when you use your Visa Business Signature Rewards Deferred Debit Card to purchase air travel. For more insurance information, call 1.800.VISA.911 (847.2911).

1 Certain terms, conditions and exclusions apply.

Auto Rental Collision Damage Waver1

You are covered for damage due to collision or theft up to the actual cash value of most rental cars when certain terms and conditions are met. Coverage is provided to the cardholder and other authorized drivers permitted by the rental contract. For details, call 1.800.VISA.911 (847.2911).

1 Certain terms, conditions and exclusions apply.

Lost Luggage Reimbursement1

When you pay for the cost of your common carrier tickets with your Visa Business Signature Rewards Deferred Debit Card, you are covered in the event your luggage is lost.

1 Certain terms, conditions and exclusions 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 1.866.4ML.BUSINESS (465.2874) or contact your Financial Advisor.

 Please contact us at: 1.800.MERRILL (637.7455)

To view your WCMA® Business Access Visa® Card Program Details: Click here








How many cards can I have on an account?

There is a limit of 99 Visa cards per WCMA account.

Can I receive cards with just the company name?

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

Can spending limits be set on the WCMA Business Access card?

Yes. You can set spending limits for each card with a spending cycle. The limit assigned is also tied to the purchasing power in the WCMA.

Can I change the spending limit on the card?

Yes. An authorized signer on the account can change the spending limit on a card by contacting the WCMA Client Service Center at 1.866.4ML.BUSINESS (465.2874).

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What is the maximum amount of money an employee can withdraw from an ATM machine?

The daily withdrawal limit for the WCMA Business Access card with the ATM enabled is $500. The client will not earn points for this transaction.

Can the card be used to obtain a cash advance?

Yes. The cardholder can obtain a cash advance using their WCMA Business Access card.

Where can I use my card without incurring an ATM fee?

Merrill Lynch customers will be able to benefit from the nation's largest network of bank-owned ATMs, and use their Merrill Lynch credit, debit, or deferred debit cards to take cash advances or make cash withdrawals from their Merrill Lynch accounts at any Bank of America ATM with no ATM fee.1 Bank of America has more than 18,000 ATMs nationwide. The new benefit applies to all Merrill Lynch-issued /branded credit, debit, and deferred debit cards.

1Applies to ATM surcharges only. Foreign exchange and cash advance fees may still apply.

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Can I view my Visa card activity online?

Yes, please log on to to view your card activity.

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

The WCMA Business Access card activity is organized by cardholder name in the Summary of Visa Card Activity Section and is presented chronologically in the Daily Activity Summary Section of the statement under "Other Activity".

When are the funds debited from the WCMA?

With the WCMA Business Access card, funds are automatically debited from your account at the time of purchase.

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Do you have to be a Merrill Lynch client to apply for the WCMA Business Access card?

Yes. Because the WCMA Business Access card is a debit card, and debits your purchases from a Merrill Lynch Working Capital Management Account (WCMA)*. It can only be offered to Merrill Lynch clients.

How long will it take me to receive the WCMA Business Access card once I'm approved?

Merrill Lynch clients should expect to receive their card within 5 to 7 business days of request.

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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.