Connect Merrill to Well
Connect Merrill through Plaid and Well reads your accounts, balances, transactions, and investment holdings, ready to categorise, reconcile against your invoices, and query in conversation.
What Well pulls from Merrill
Merrill feeds your accounts, balances, transactions, and investment holdings into Well through Plaid as a US brokerage connection. It is read-only; disconnect at any time from your workspace settings to revoke Merrill’s access.
| From Merrill | In Well | Relation | |
|---|---|---|---|
| Account | Workspace account | Syncs as | |
| Transaction | Bank transaction | Imports as | |
| Balance | Cash position | Updates |
- Sync mode
- incremental polling
- Refresh
- scheduled
- Direction
- Merrill → Well
Merrill bank details
- ACH routing number
- 084301767
- Institution type
- Brokerage
- Region
- United States
What Well reads through Plaid
- accounts
- balances
- transactions
- investment holdings
What Well does with your Merrill connection
Connect
Connect Merrill over Plaid: you authenticate with Merrill through Plaid's secure connection, so your bank login never reaches Well; Well holds only a read-only connection it cannot use to move money.
Sync
Well brings account, transaction, and balance in from Merrill on a recurring poll that fetches only what changed since the last read. The first sync backfills history in the background and the connection stays live after.
Enrich
Well resolves each Merrill entity into workspace account, bank transaction, and cash position, assigns categories, and links every record to an audit trail across the rest of your connected tools.
Available
Your data from Merrill lands in the workspace as workspace account, bank transaction, and cash position you can search, chart, and automate.
Questions Merrill unlocks
Ask in plain language. Well answers from your connected Merrill connection, resolved against the rest of your stack.
Ask anything about your Merrill connection
Ask about your Merrill connection…
36 agent skills run on Merrill.
Each one answers a question from live Merrill data. The required ones return nothing until a source like it is connected.
Needs a source like Merrill
Runway
Know how many months of cash you have at your current burn, with both sides of the division shown.
Runway Stress Test
See how long your cash lasts if a customer pays late, leaves, or you hire.
Cash position
Know how much cash you hold right now, with the accounts counted and the ones left out both stated.
Cost structure
See a company's or household's spend by category, supplier and trend; not for savings: use Subscription spend.
Money leak finder
Find the double charges and price rises in your bank debits, each with the dates and amounts your bank shows.
Secure Payroll
Know if payroll is safe, and which vendor bills to push if it is not.
Payment and invoice lookup
Find what payment settled an invoice, or catch every payment that never got one.
Burn rate
Know what you spend in an average month over a window you can see, with the months that carried no spend counted.
Cash forecast
See the settled month-end cash series and where the line goes from the last complete month.
Cash flow bridge
See how the month moved from opening cash to closing cash, with whatever does not reconcile named as its own step.
Missing supplier invoices
See which suppliers owe you paperwork, in each of your files, for a month, a quarter or this week.
Assign missing invoices
Put a name on every settled expense that still has no invoice.
Missing invoice sweep
Walk the whole month-end sweep in one prompt.
Close the books
Drive the month-end close from open to sent to your accounting tool.
Accounting review
Work through your open accounting items by category.
Categorize your suppliers
Close the category gaps behind your spend before you close a month.
Board pack
The board numbers in one pass, each with its scope and its window stated.
Optimize Supplier Prices
See what you paid a supplier, how its price moved, and get the negotiation email drafted.
Subscription spend
See what each scheduled supplier costs a month and a year, how it moved, and where your workspaces can save.
Subscription actions
Act on a subscription you name or pick by number from a list: cancel, renegotiate or contest a double debit.
Personal spending
See what you spent on one category, such as groceries, this month and how that compares to a usual month.
Unposted and blocked
See what in a month has not reached the ledger, and which pile each item sits in.
Check bank and books
Compare your bank with your books, list the gaps, and re-run what missed rows.
Answers better with Merrill
FX exposure
See how much of your cash and receivables sit outside your reporting currency.
Missing receipts
Find the bills with no paperwork attached, before an auditor does.
Invoice fetching agents
See exactly which agents would run, before any of them does.
Convert currencies
Turn mixed currencies into one number you can actually audit.
Compose a board
The measures you name, arranged on one board that stores the question rather than the answer.
Call and claim
Claim a refund or a compensation with the evidence in hand, and know what to say when you call.
Money back
Find money owed back to you: refunds, credit notes, VAT credits, double debits, then unpaid customer invoices.
Employer cost
Read a month of payslips, or each of several months, and state, per person, gross pay plus the employee deductions and the employer charges the payslip printed, then list the payroll related bills paid from the bank that no payslip carries.
Check contractor status
For each supplier that looks like a freelancer, read the purchase invoices, the payment rail and any contract Well holds, and state the facts a requalification question turns on, next to the papers your country expects you to keep.
Uses Merrill when it is there
Connects and checks Merrill
Connect Merrill in three steps
- 01
Connect Merrill through Plaid
From Well's Connections panel, search for Merrill and click Connect. Well opens Plaid's secure flow, where you authenticate on Merrill's side. Your Merrill login never reaches Well, and Well receives a read-only connection. No credentials are stored in Well.
- AuthPlaid
- Accessread-only
- RegionUnited States
- 02
Map your entities
Well imports your Merrill accounts, balances, transactions, and investment holdings and brings each one into your workspace using the canonical mappings defined in Well's data-views layer. The first sync backfills the history Merrill makes available.
- Mappingpreconfigured by Well
- 03
Use the data
Use the data: ask questions in conversation, build records tables, categorise transactions, and reconcile them against your invoices. Merrill is read-only in Well, so nothing here can move money or change your account.
- First syncstarts as soon as connect completes
The Plaid handshake typically completes in about a minute. Well then pulls new transactions on a recurring poll; the first backfill runs in the background.
How Merrill stays secure with Well
Well connects to Merrill through Plaid, the bank-aggregation layer. You authenticate on Merrill's side; Well receives a read-only connection and never sees your bank login. Well can read your accounts, balances, transactions, and investment holdings, but cannot move money, initiate a payment, or change anything at Merrill. Disconnect any time from Well or your Plaid dashboard.
- granted
Read Merrill records
The accounts, balances, transactions, and investment holdings Merrill shares through Plaid, scoped by your authorisation.
- granted
Resolve account, transaction, and balance across your stack
Match identifiers in Merrill against the same entities your other connected tools expose, so each record carries cross-tool context.
- refused
Modify or delete Merrill records
Not granted; Merrill is read-only in Well. Write-back is opt-in per connector when a write surface exists.
- refused
Store Merrill passwords or session cookies
Authentication runs through Plaid tokens we never see.
Frequently asked questions about Merrill and Well
How do I connect Merrill to Well, and how long does it take?
From Well, open Connections, find Merrill, and click Connect. Well links Merrill through Plaid: you authenticate on Merrill's side in Plaid's secure flow, and Well receives a read-only connection. Your Merrill login never reaches Well. The handshake takes about a minute, and Well starts importing accounts, balances, transactions, and investment holdings right after.
What does Well pull into the workspace from Merrill?
Well brings in account, transaction, and balance from Merrill and reshapes each entity into your workspace: account becomes workspace account; transaction becomes bank transaction. Every record arrives with the source identifier preserved, so Merrill stays the source of truth while Well lets you query the data alongside the rest of your stack.
What does Merrill unlock once it is connected to Well?
Once Merrill is connected, every record it exposes is queryable from conversation, filterable in records tables, and available to your agents through your workspace. The data stays linked to its Merrill source, so you can always trace a workspace record back to the original.
Can Well surface a balance from Merrill when I ask questions in conversation?
Yes. Merrill balances are indexed in your workspace as cash position, so questions like "show me last week's balances from Merrill" return them with the original Merrill link, the workspace context, and any related records (counterparty, period, attached document) joined inline.
How often does Merrill sync with Well, and what triggers a refresh?
Well polls Merrill regularly for account, transaction, and balance. The first connect pulls the historical window your account allows; subsequent reads only fetch what changed since the last sync, so the load on Merrill's side stays modest.
Can I disconnect Merrill and what happens to the data Well already pulled?
Open Connections > Merrill in Well and click Disconnect. Well drops the Plaid connection immediately and stops reading from Merrill; you can also revoke Well from your Plaid dashboard. The account, transaction, and balance Well already imported stay in your workspace by default; ask Support to purge them if your compliance flow requires it.
What is Merrill's routing number?
Merrill's ACH routing number is 084301767. You never enter it by hand in Well, the connection runs through Plaid where you authenticate on Merrill's side, and the routing number is shown here as a reference.
Does Well read investment accounts from Merrill?
Yes. Merrill exposes investment holdings through Plaid, so alongside your accounts, balances, and transactions Well reads your holdings as a read-only feed, ready to categorise and query in conversation.
Which region does Merrill cover in Well?
Merrill is a US brokerage, connected through Plaid. Well reads its accounts, balances, transactions, and investment holdings as a read-only feed and never moves money or changes anything at Merrill.
Pairs well with Merrill
Popular cross-category
Ready to connect Merrill?
Connect once. Every account, transaction, balance from Merrill becomes searchable, queryable, and ready for your agents and tables. Disconnect any time.