Log in to your Merrick Bank account to view your balance and make payments
To pay your Merrick Bank credit card, you log in through their online portal at www.merrickbank.com. Once you're signed in, you can see your current balance, payment history, and make a one-time payment or set up automatic payments. The login process takes about two minutes if you have your account number and password ready.
If this is your first time logging in, you'll need to register for online access before you can make a payment. Merrick Bank sends new cardholders instructions in the mail, but you can also start the registration process directly on their website without waiting for those materials to arrive.
Key Takeaways
- Visit www.merrickbank.com and enter your account number and password to log in to your account.
- If you don't have a password yet, use the "Forgot Password" or "Register" link on the login page to set one up.
- Once logged in, you can pay your full balance, a minimum payment, or any amount in between using a bank account or debit card.
- Payments made before 8 p.m. Eastern Time on a business day usually post to your account the same day.
- You can also set up automatic monthly payments so you don't have to log in each time.
Steps to register for online access if you're a new cardholder
When you first receive your Merrick Bank card, you need to create login credentials before you can access your account online. Go to www.merrickbank.com and look for a "Register" or "New User" link on the login page. Click it and you'll be asked to enter your account number (the 16-digit number on your card) and your Social Security number or tax ID.
Merrick Bank will then ask you to create a username and password. Your username can be anything you choose — it doesn't have to match your name. Your password should be at least 8 characters and include a mix of letters, numbers, and symbols. Write down your username and password somewhere safe, or use a password manager to store them. After you submit this information, your account is registered and you can log in when ready.
How to log in if you already have an account
Go to www.merrickbank.com and look for the login box on the homepage. Enter your username in the first field and your password in the second field, then click "Log In." You'll be taken to your account dashboard, which shows your current balance, available credit, recent transactions, and payment options.
If you see a message that says your username or password is incorrect, click "Forgot Password" to reset it. Merrick Bank will ask you to verify your identity by answering security questions or confirming information from your account. Once verified, you can create a new password and log in right away.
Making a one-time payment after you log in
After you log in, look for a "Make a Payment" or "Pay Now" button on your account dashboard. Click it and you'll see a payment screen with your current balance displayed. You can choose to pay your full balance, your minimum payment, or enter a custom amount. The system will show you the payment due date and any late fees if you're behind.
Next, choose your payment method. Merrick Bank accepts payments from a checking or savings account (which usually post the same business day) or a debit card (which may take one to two business days). Enter the account or card number, routing number if paying from a bank account, and the date you want the payment to be made. Review the details and click "Confirm" to complete the payment.
Setting up automatic monthly payments
If you want to stop logging in each month, you can set up automatic payments from your bank account. After you log in, find the "Automatic Payments" or "Recurring Payments" section in your account settings. Click "Set Up Auto Pay" and choose whether you want to pay your full balance, your minimum payment, or a fixed amount each month.
Select the bank account you want the payment to come from and the day of the month you want it to be withdrawn. Merrick Bank will deduct the payment automatically on that date each month. You can change or cancel automatic payments anytime by logging back in and updating your settings. If you cancel, you'll need to make manual payments again.
What to do if you can't log in or forgot your password
If you've forgotten your password, click "Forgot Password" on the login page. Merrick Bank will ask you to enter your account number and verify your identity by answering security questions or confirming personal information. Once verified, you can create a new password when ready and log in.
If you've forgotten your username, click "Forgot Username" on the login page. You'll be asked to enter your account number and other identifying information. Merrick Bank will then display your username or send it to the email address on file. If you still can't log in after resetting both your username and password, call Merrick Bank's customer service number on the back of your card. A representative can help you regain access to your account.
Payment timing and when your payment posts
Payments made through the online portal before 8 p.m. Eastern Time on a business day usually post to your account the same day. Payments made after 8 p.m. or on a weekend or holiday will post on the next business day. If you're paying by bank account transfer, the payment may take one business day to process. If you're paying by debit card, it may take one to two business days.
Your payment due date is shown on your monthly statement and in your online account. Payments received after the due date may result in a late fee. If you're cutting it close to the due date, use the bank account payment method rather than a debit card, since it posts faster. You can also set up automatic payments to may support your payment is never late.
Frequently Asked Questions
Can I pay my Merrick Bank card by phone instead of online?
Yes. Call the customer service number on the back of your card and a representative can take your payment over the phone. You'll need your account number and the bank account or debit card you want to pay from. Phone payments are available 24 hours a day, 7 days a week.
Is it safe to enter my bank account information on the Merrick Bank website?
Merrick Bank uses encryption to protect your personal and financial information when you log in and make payments. The website address should start with "https://" (not "http://"), which means the connection is find. Never log in through a link in an email or text message — always go directly to www.merrickbank.com to avoid phishing scams.
What happens if I pay more than my balance?
If you pay more than you owe, Merrick Bank will hold the extra amount as a credit on your account. You can use that credit toward your next payment, or you can request a refund by calling customer service. The refund will be sent to the bank account you paid from.
Can I change my automatic payment amount or date?
Yes. Log in to your account, go to the automatic payments section, and click "Edit" or "Modify." You can change the payment amount, the date it's withdrawn, or turn off automatic payments entirely. Changes usually take effect on your next scheduled payment date.
What should I do if I see a payment on my statement that I didn't make?
Log in to your account and review your recent transactions. If you see a charge you don't recognize, call Merrick Bank's customer service number on the back of your card right away. A representative can investigate the charge and help you dispute it if it was unauthorized.