How to pay your Merrick Bank credit card
You can pay your Merrick Bank credit card online through your account portal, by phone, by mail, or in person at a MoneyGram location. The fastest and most direct method is logging into your online account at merrickbank.com and making a payment from the dashboard — this takes a few minutes and posts within one business day. If you prefer not to use the website, you can call Merrick Bank's customer service line (the number is on your statement) and make a payment over the phone with a representative.
Payments by mail take seven to ten business days to reach Merrick Bank's processing center, so mail a check well before your due date if you want to avoid late fees. MoneyGram locations let you pay in cash if you do not have a bank account, though you will pay a small fee for this service. No matter which method you choose, have your account number and the amount you want to pay ready before you start.
Key Takeaways
- Online payment through merrickbank.com is the fastest option and posts within one business day.
- Phone payments are available by calling the number on your statement and take the same time as online payments.
- Mailed checks take seven to ten business days, so send them at least two weeks before your due date to avoid a late fee.
- MoneyGram locations accept cash payments for a fee if you do not have a bank account or online access.
- Your payment must arrive by 5 p.m. Eastern Time on the due date to count as on-time; Merrick Bank charges a late fee if payment arrives after that.
Paying online through your Merrick Bank account
Go to merrickbank.com and click "Log In" at the top of the page. Enter your username and password. If you have not set up an online account yet, click "Register" and follow the prompts to create one using your card number and Social Security number.
Once you are logged in, look for a link or button labeled "Make a Payment" or "Pay My Bill" — this is usually on the main dashboard. Click it and enter the amount you want to pay. You can pay your full statement balance, your minimum payment, or any amount in between. Choose your payment date (same-day or a future date if you want to schedule it ahead) and review the details. Click "Confirm" and the payment is submitted. You will see a confirmation number on screen — write it down or take a screenshot for your records.
Online payments from a bank account post within one business day. If you pay on a Friday, the payment will show on your account by Monday. Payments made after 5 p.m. Eastern Time may not post until the following business day.
Paying by phone
Call the customer service number on the back of your Merrick Bank credit card or on your monthly statement. A representative will answer and ask for your account number and the amount you want to pay. Have your checking or savings account information ready if you want to pay from your bank account, or have your debit card number ready if you prefer to pay that way.
The representative will confirm the payment amount, the date it will post, and give you a confirmation number. Write down the confirmation number and the date and time of the call. Phone payments post within one business day, just like online payments. If you call after 5 p.m. Eastern Time, your payment may not process until the next business day.
Paying by mail
Write a check payable to Merrick Bank and include your account number on the memo line. Place the check in an envelope with the payment coupon from your statement (if you received one) or write your account number clearly on a separate piece of paper so the payment is matched to your account.
Mail the envelope to the address listed on your statement under "Payment Address" or "Make Checks Payable To." Do not mail to the address where your statement is sent — Merrick Bank has a separate processing center for payments. Mail your payment at least two weeks before your due date to account for postal delays. Payments take seven to ten business days to arrive and be processed, and a late fee will be charged if the payment is not received by 5 p.m. Eastern Time on your due date.
Paying in cash at MoneyGram
Find a MoneyGram location near you by visiting moneygram.com and using their location finder. MoneyGram is available at many grocery stores, pharmacies, and check-cashing businesses. Go to the location with your Merrick Bank account number and the amount you want to pay in cash.
Tell the MoneyGram representative you want to pay a credit card bill and provide your Merrick Bank account number. The representative will process the payment and charge you a fee (usually between $3 and $10 depending on the amount). You will receive a receipt with a confirmation number. Keep this receipt. The payment will post to your Merrick Bank account within one to two business days.
Setting up automatic payments
If you want Merrick Bank to withdraw a payment from your bank account on the same date each month, you can set up autopay through your online account. Log in to merrickbank.com, find the "Autopay" or "Automatic Payments" section, and enter your bank account number and routing number. Choose the date you want the payment to come out each month and the amount — you can set it to your minimum payment, your full statement balance, or a fixed amount.
Autopay prevents missed payments and late fees because the money is withdrawn automatically. You can change or cancel autopay at any time by logging back into your account. If your bank account does not have enough money on the scheduled date, the payment will fail and you may be charged a late fee, so make sure your account has sufficient funds.
What to do if your payment is late
If your payment does not arrive by 5 p.m. Eastern Time on your due date, Merrick Bank will charge a late fee. The amount of the late fee depends on your account terms, but it is usually between $25 and $35 for the first late payment. A late payment will also be reported to the credit bureaus and may lower your credit score.
If you realize your payment will be late, contact Merrick Bank customer service when ready. Explain the situation and ask if they can waive the late fee as a one-time courtesy. Some representatives will remove the fee if you have a good payment history. If the late fee is charged, you can dispute it by calling customer service and requesting a review, though there is no may provide it will be removed.
Frequently Asked Questions
How long does it take for a payment to show up on my account?
Online and phone payments post within one business day. Mailed checks take seven to ten business days. MoneyGram payments take one to two business days. Payments made after 5 p.m. Eastern Time may not post until the next business day.
Can I pay my Merrick Bank card with a credit card or debit card?
You can pay with a debit card over the phone or online. You cannot pay with another credit card — Merrick Bank only accepts payments from bank accounts, debit cards, or cash at MoneyGram locations.
What happens if I pay more than my statement balance?
The extra amount becomes a credit on your account. You can use the credit toward future purchases, or you can request that Merrick Bank refund the overpayment to your bank account by calling customer service.
Is there a fee to pay my Merrick Bank credit card?
There is no fee for online, phone, or mailed payments. MoneyGram charges a fee (usually $3 to $10) for cash payments. Autopay is also free.
What if I cannot pay my full balance?
You can pay any amount, including just the minimum payment shown on your statement. However, if you pay less than the full balance, you will be charged interest on the remaining amount at your card's APR.