Where to log in and what you need
Merrick Bank credit card holders log in through the Merrick Bank website at www.merrickbank.com. You will need your card number and a password you created when you set up your online account. If you do not have an online account yet, you can create one on the same website by selecting the option to register as a new user.
The login page asks for your card number and password. After you enter both, the system may ask you to verify your identity using a code sent to your phone or email, depending on your security settings. Once you are logged in, you can view your balance, recent transactions, and payment options.
If you have forgotten your password, the login page has a "Forgot Password" link that will walk you through resetting it. You will need to verify your identity using information from your account, such as your Social Security number or date of birth.
Key Takeaways
- Log in at www.merrickbank.com using your card number and password to access your account and payment options.
- You can make a one-time payment or set up automatic payments from a bank account or debit card linked to your Merrick Bank account.
- Payments made before 5 p.m. Eastern Time on a business day usually post the same day; payments made after that time or on weekends post the next business day.
- If you do not have online access, you can pay by phone at the customer service number on the back of your card or by mailing a check to the address on your statement.
Making a one-time payment online
After you log in, look for a "Make a Payment" or "Pay Now" button, usually visible on your account dashboard. Click it to start a payment. You will be asked to enter the amount you want to pay and choose where the money should come from — either a bank account, a debit card, or another payment method you have saved to your account.
Review the payment amount and the date it will be processed before you confirm. Merrick Bank will show you the expected posting date based on when you submit the payment. Once you confirm, you will see a confirmation number on the screen and receive an email receipt. Keep this confirmation number in case you need to check on the payment later.
Setting up automatic payments
Automatic payments let you schedule regular payments from your bank account or debit card without logging in each time. From your account dashboard, look for an option labeled "Autopay," "Automatic Payments," or "Recurring Payments." Select this option to set up a new automatic payment.
You will choose the payment amount (you can set it to a fixed dollar amount, the minimum payment due, or the full statement balance), the day of the month you want it to process, and which bank account or debit card to pull the money from. After you confirm these details, the payment will process automatically on that day each month until you cancel it.
You can change or cancel an automatic payment at any time by logging back into your account and editing the autopay settings. Changes usually take effect within one or two business days.
Payment timing and posting dates
The day your payment posts to your account depends on when you submit it and how you submit it. Payments made online before 5 p.m. Eastern Time on a business day (Monday through Friday, excluding federal holidays) usually post the same day. Payments submitted after 5 p.m. or on weekends or holidays post on the next business day.
Payments sent by mail take longer. A check mailed to Merrick Bank typically arrives within five to seven business days, and then takes another one to two business days to process and post. If you are close to your due date, mailing a check may not reach your account in time to avoid a late fee, so paying online or by phone is safer.
Paying by phone or mail if you cannot use the website
If you do not have internet access or prefer not to pay online, you can call the customer service number on the back of your credit card to make a payment over the phone. A representative will ask for the amount you want to pay and the bank account or debit card you want to use, then process the payment when ready.
You can also mail a check or money order to the address listed on your monthly statement under "Payment Address" or "Make Checks Payable To." Write your card number on the check so Merrick Bank can match it to your account. Do not send cash through the mail.
What to do if your payment does not post
If you made a payment and it does not appear in your account within the expected timeframe, log back into your account and look for a "Payment History" or "Recent Transactions" section. This will show you whether the payment was processed and when it posted.
If the payment was submitted but has not posted yet, wait until the next business day. If it has been longer than the expected posting time and the payment still does not show, contact Merrick Bank customer service using the number on the back of your card. Have your confirmation number ready if you made the payment online.
Frequently Asked Questions
Can I pay my Merrick Bank credit card with a different bank account than the one I used before?
Yes. When you log in and select "Make a Payment," you can choose to add a new bank account or debit card. You will need to provide the routing number and account number for a bank account, or the card number and expiration date for a debit card. Merrick Bank will verify the new payment method before processing the payment.
What happens if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward your next statement balance, or you can request a refund by contacting Merrick Bank customer service. Refunds are usually mailed within one to two weeks.
Is there a fee to pay my credit card online?
No. Merrick Bank does not charge a fee for online payments made from a bank account. Some payment methods, such as paying with a third-party payment service or wire transfer, may have fees, but standard online payments are free.
Can I set up automatic payments to pay more than the minimum?
Yes. When you set up autopay, you can choose a fixed dollar amount (such as $100 per month), the minimum payment due, or the full statement balance. You can change this amount at any time by logging into your account and editing your autopay settings.
What should I do if I cannot remember my card number to log in?
Your card number is printed on the front of your physical credit card. If you do not have the card with you, check your most recent statement — the card number appears there as well. If you still cannot find it, call Merrick Bank customer service at the number on your statement, and they can help you log in or reset your account access.