How to Pay Your Merrick Bank Credit Card
You can pay your Merrick Bank credit card through their online account portal, by phone, by mail, or through automatic payments from your bank account. The fastest way is online through your Merrick Bank account — you log in, enter the amount you want to pay, and the payment posts within one business day. If you prefer not to use the website, you can call Merrick Bank's customer service line to make a payment over the phone, though a representative will need your card number and bank details.
Merrick Bank is a subsidiary of Pathward, N.A., and handles payments the same way most credit card issuers do. You have the option to pay your full statement balance, the minimum payment shown on your bill, or any amount in between. Paying more than the minimum reduces the interest you owe on any remaining balance.
Key Takeaways
- Online payments through your Merrick Bank account typically post within one business day and are the fastest payment method.
- You can set up automatic payments to deduct money from your checking or savings account on a date you choose each month.
- Mailed payments should be sent to the address on your statement and may take five to seven business days to post.
- Phone payments require your card number and bank account information and are processed when ready, though the funds may take one business day to appear in your account.
- Your payment due date is printed on your monthly statement, and paying after that date may result in a late fee.
Paying Online Through Your Account
Log into your Merrick Bank account on their website or mobile app. Once you're signed in, look for a "Make a Payment" or "Pay Now" button — the exact wording may vary depending on whether you're using the website or app. Click it and you'll be taken to a payment screen where you enter the amount you want to pay.
You'll need to confirm which bank account the payment should come from. If you've already linked a bank account to your Merrick Bank profile, it will appear as an option. If not, you can add a new account by entering your routing number and account number. After you confirm the amount and the source account, the payment is submitted. Most online payments post within one business day, though some may take up to two business days depending on when you submit them.
Setting Up Automatic Payments
Automatic payments let you schedule a payment to happen on the same day each month without logging in. You set this up through your online account by selecting the automatic payment option and choosing a date between the 1st and the 28th of the month. You can choose to pay a fixed amount each month, or you can set it to pay your full statement balance automatically.
Automatic payments are useful if you want to avoid missing a due date, but you should make sure your bank account has enough money on the scheduled date. If the payment fails because of insufficient funds, Merrick Bank may charge a fee and report the missed payment to credit bureaus. You can change or cancel an automatic payment at any time through your account.
Paying by Phone
Call the customer service number on the back of your Merrick Bank credit card. A representative will ask for your card number and the amount you want to pay. They'll also need your bank account information — your routing number and account number — so the payment can be deducted from your checking or savings account.
Phone payments are processed when ready, though the funds typically take one business day to appear in your account. This method is useful if you don't have online access or prefer to speak with someone, but it's slower than paying online. There is no fee for paying by phone.
Paying by Mail
You can mail a check or money order to the address listed on your monthly statement. Write your account number on the check or money order so Merrick Bank knows which account to credit. Mail payments typically take five to seven business days to post, so send your payment well before your due date to avoid a late fee.
The mailing address on your statement is the correct one to use. Do not send payment to any other address, even if you see a different address elsewhere. Keep a record of the check number and the date you mailed it in case you need to track the payment later.
Understanding Your Due Date and Late Fees
Your payment due date is printed on your monthly statement. If you pay after that date, Merrick Bank will charge a late fee. The amount of the late fee depends on your account terms, but it's typically between $25 and $35 for the first late payment and may be higher for subsequent ones.
Paying late can also affect your credit score, since payment history is a major factor in how credit bureaus calculate your score. Even one late payment can lower your score. If you're concerned you might miss a due date, setting up an automatic payment or paying a few days early can help you avoid this problem.
What Happens If You Can't Pay Your Full Balance
You don't have to pay your full statement balance each month — you can pay the minimum amount shown on your bill. However, any balance you don't pay will be charged interest at your card's annual percentage rate (APR). The longer you carry a balance, the more interest you'll owe.
If you're struggling to make payments, contact Merrick Bank's customer service to discuss your options. Some issuers offer hardship programs that may lower your interest rate or adjust your payment schedule, though these programs vary and are not may provide. It's better to call before you miss a payment than to wait until after.
Frequently Asked Questions
How do I know if my payment went through?
Log into your Merrick Bank account and check your transaction history. You should see the payment listed with the date it was submitted and the date it posted. You can also call customer service to confirm a payment was received.
Can I pay my Merrick Bank card with a debit card or another credit card?
No. Merrick Bank only accepts payments from a bank account (checking or savings), by check or money order, or through their website and phone line. You cannot pay with a debit card or another credit card.
What if I pay more than my statement balance?
The extra amount becomes a credit on your account. You can use that credit toward future purchases, or you can request a refund. Contact Merrick Bank to request a refund if you've overpaid.
Is there a fee for paying my Merrick Bank card?
No. Merrick Bank does not charge a fee for any payment method — online, phone, mail, or automatic payments are all free.
How early can I pay my bill before the due date?
You can pay your bill as soon as you receive your statement. Paying early reduces the interest you owe on any balance and lowers your credit utilization ratio, which can help your credit score.