I'm going to research Merrill since I'm with BoA. Can you buy any sub penny you want like on etrade? TDA won't let me buy most pennies I was just curious if it really took 3 days on etrade, like when I transfer funds from Paypal to bank they say 3-7 days but for me it only takes 1-2 days. I'm hoping they say 3-4 days but only takes a day or two. Otherwise I will need to go with Merrill.