Benefits OnLine User Reviews

Top reviews

DO NOT USE!!!

Do not use this app. It is a fake app made up by scammers. If you forget your password it will ask for you SSN. After submitting your SSN it will ask if you want your passcode sent to you via text or phone call but will not actually send.
Now someone in India has my SSN.
Thanks a lot Apple.

Very buggy/confusing platform

Merrill website and the app has been one of the worst financial websites + apps that I have ever used. The system is very confusing. Finding stuff that you want through the website or the app is fairly hard, from easy settings such as paperless delivery to selling shares. It is also very buggy, like telling you that it successfully placed an order to sell market shares but later you find out that it hasn’t sold any shares and you lost money buggy!
There is also mistmatch in behavior between the website and the app, there has been times that the website has shown me “you are selling too many shares” alert and doesn’t let me to trade 10 shares, but I was able to perform the same action usin the app successfully.
Overall if you are a company looking into using Merrill platform, please don’t create this world of pain for your employees and yourself, and just go with any other platform since they have been the worst in my experience.
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Bugs all the time

More often than not, I can’t even open the app. Maybe something with Face ID is bugging out? I don’t know but I can’t log in. One star.

Unable to reset password

Not sure why this app is not recognizing my Face ID and password. It seems that this app resets credentials to login. The worse part is when I am trying to change password, after entering all my information to the point of getting a text or phone call, the send button on this screen is frozen or does not respond to the touch. I wonder if the app works with the latest iPhone’s OS.
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Always getting locked out

This app is constantly getting me locked out of my account it’s absolutely useless most of the time then I have to call a stupid 800 number constantly to get my account unlocked… just set up use with personal information instead of the stone aged idea of security questions… I have my social and all that but it’s not good enough because I can’t remember the name of the road I used to go shopping on???
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Constant note to combine accounts

Very frustrating having to constantly dismiss reappearing note about combining Bank of America accounts. My 401k account with previous employer was much better using the Principal app. Much more user friendly.

Useless

I’ve been trying to schedule them to call me and or I call them. Nobody ever answers. It’s so hard to communicate with your representative just to retrieve my account

Ridiculous

I’m not having a hardship. I no longer work at the job I was working at. I want to cancel my account and either transfer the money or just take it out. The app can’t obviously do that so I call the company like the app informs me to do. I have been waiting for 2 1/2 hours to speak to someone.

Not user friendly. Data is difficult to find.

This app is really difficult to use and a company like Merrill do better than this. Doing something as seemingly simple as viewing a stock grant and reviewing a calendar of vesting dates is a convoluted mess to navigate. There should be an dashboard that shows all your holdings and an easy to read vesting schedule organized by year. It’s amazing that something so simple would elude the devotees of this app. Would love to see some improvements in the near future.
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Wut

This app is like some kind of black mirror episode. I’ve really not seen anything this buggy outside of an australian picnic. I think the app itself is only slightly to blame; I suspect the back end services behind it are just hopelessly unstable too.

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