Published by Merrill Lynch, Pierce, Fenner, and Smith Inc. on Aug 2, 2023

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Why should I report an Issue with Benefits OnLine?

  1. AppContacter will directly Email your issue/feedback to an apps's customer service once you report an issue and with lots of issues reported, companies will definitely listen to you.
  2. Pulling issues faced by users like you is a good way to draw attention of Merrill Lynch, Pierce, Fenner, and Smith Inc. to your problem using the strength of crowds.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
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About Benefits OnLine

1. Merrill makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation.

2. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. , a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.

3. Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.

4. A make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation. © 2023 Bank of America Corporation.

5. Merrill is the marketing name for Merrill Lynch Wealth Management, and Merrill Edge®, both of which are made available through Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S).

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

7. Both are wholly owned subsidiaries of Bank of America Corporation.

8. With the free* Benefits OnLine® Mobile app, you’ll have easy access to your benefit plans with Merrill, virtually 24/7.

9. By downloading and using this app, you agree to the current Terms & Conditions. *You may be charged access fees from your wireless service provider depending on your mobile device.

10. Trust, a division of Bank of America, N. A. , Member FDIC, or U. S.

11. The Benefits OnLine® app for Android is available to clients who have access to the benefits. ml. com website.

Benefits OnLine Customer Insights

1. Everything else gives an error that my account doesn't allow visibility for historical performance, asset allocation, and even contributions (it says I have 0 contributions, even though I've been using ML for years...)Doesn't save preferences or password.

2. How about you use a few of your trillions of $s to fix your app ML?The app was working fine yesterday, then today I try taking a look at it and it says my user ID or password doesn't match their records...I'm using biometrics for the sign in.

3. If you want to plan for retirement, change your investment direction, change contribution rates, research stocks or bonds, or get the most basic of financial help or insight; look at literally any other app.

4. This institution never reached out to me to inform me of the fees they were pulling to keep my account open (my prior employer apparently paid for the account annual fees but m.l. never informed me that I was now responsible).

5. Hope you guys can get it together cause it's beyond annoying.generally works as intended if you wanna check your balance (that's all I use if for) but the functionality of everything else is terrible.

6. Then tells you your password is wrong makes change tells you your password is wrong got to call get it figured.

7. Resetting your password doesn't help until days later.

8. you'd think with a company this big that is associated with walmart and other big retailers they'd fix stuff asap but ig hiring a proper person to recode everything is too far outta their budget.

9. 2 little txt for customer service review.This app will not let me log in without changing my password every time I try to log in.

10. So unless I suddenly have different fingerprints, the app is glitching.I request to speak with someone on how best to continue with a 401k since switching between employers...that was about 4 years ago.

11. Start the same nonsense over again next time you want to check how much you got hosed on your 401k.

Steps to Troubleshoot & Fix Benefits OnLine Issues

1. Fix Benefits OnLine Not Working/Crashes/Errors/Unresponsive & Black/White screen:


  1. Restart Benefits OnLine: Restarting the app will resolve most errors.
  2. Update the Benefits OnLine App. Here is how:
    1. On Android goto PlayStore » Search for "Benefits OnLine" » Open Benefits OnLine » click "Update".
    2. On iPhone, goto AppStore » Your profile » Available Updates » Check for Benefits OnLine » click "UPDATE".
  3. Clear Benefits OnLine app cache: Clearing cached data will force your app to retrieve the latest data directly from Benefits OnLine servers.
    1. On Android, goto Settings » Apps » Select "Benefits OnLine" » click Storage » click "Clear Cache".
  4. Check Benefits OnLine app permissions. If any of these permissions required to use your device's features are disenabled, Benefits OnLine might not work.
  5. Uninstall and reinstall Benefits OnLine. If nothing else has worked, completely uninstall Benefits OnLine then reinstall.
  6. Restart your device. Last, restarting your device can often clear most problems causing Benefits OnLine not working


2. Fix Benefits OnLine Server issues & Internet Connection


  1. Check network connection: An unstable Internet will make Benefits OnLine be unable to connect to it's servers. Ensure your wi-fi is working then restart app.
  2. Disable VPN: VPN can cause connection errors and lead to Benefits OnLine not working. Make sure all VPNs are off
  3. Enable background data: When Background data is turned off, Benefits OnLine may not be able to connect to the Internet when running in the background.

Reported Issues

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