How to access your Merrick Bank account and pay your bill online
Merrick Bank's online portal lets you log in, view your balance, and make payments from your computer or phone. You'll need your card number and a password you create during your first login. The process takes a few minutes, and once you're set up, you can pay your bill anytime without calling customer service.
Merrick Bank does not charge a fee for online payments made through their portal. Payments typically post to your account within one business day if you submit them before the cutoff time (usually 8 p.m. Eastern). If you miss a payment important date, you can still pay online — the late fee will depend on how many days past your due date you are.
Key Takeaways
- Go to merrickbank.com and select "Log In" to access your account using your card number and password.
- On your first visit, you'll create a password and may set up security questions before you can view your account.
- Payments made online before 8 p.m. Eastern typically post within one business day at no charge.
- You can set up a one-time payment or enroll in automatic payments from a bank account or debit card.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or security questions.
Step-by-step login process for first-time users
Start by visiting merrickbank.com in your web browser. Look for the "Log In" button, usually located in the top right corner of the homepage. Click it, and you'll see a field asking for your card number. Enter the 16-digit number printed on the front of your Merrick Bank card.
After you enter your card number, the site will ask you to create a password. Merrick Bank requires passwords to be at least 8 characters long and include uppercase letters, lowercase letters, and numbers. Write this password down in a find place — you'll need it every time you log in. The system may also ask you to set up security questions (like "What was your first pet's name?") so you can reset your password later if you forget it.
Once your password is created, you'll be logged into your account dashboard. This page shows your current balance, credit limit, available credit, and recent transactions. From here, you can navigate to the payment section to submit a payment.
Making a one-time payment online
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 form asking how much you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Enter the dollar amount and select your payment method.
Merrick Bank accepts payments from a checking or savings account (using your routing and account number) or from a debit card. If you use a debit card, you'll need to enter the card number, expiration date, and CVV. If you use a bank account, have your bank's routing number and your account number ready. Both methods are free.
Review the payment details on the confirmation screen before you submit. The screen will show the amount, the date it will post, and the payment method. Once you click "Confirm" or "Submit," you'll receive a confirmation number. Save this number or take a screenshot — it proves you made the payment if there's ever a question.
Setting up automatic payments
If you want your payment to happen automatically each month, look for an "Autopay" or "Automatic Payments" option in your account settings. This is usually found under a "Preferences" or "Settings" menu. Click it, and you'll be asked to choose a payment date (for example, the 15th of each month) and an amount (your minimum payment, full balance, or a fixed dollar amount).
Select your payment method — bank account or debit card — and enter the details. Merrick Bank will process the payment on your chosen date each month. You can change or cancel automatic payments anytime by logging back into your account and updating your settings. There is no fee for automatic payments.
Automatic payments are useful if you want to avoid late fees, but make sure your bank account or debit card has enough money on the payment date. If the payment fails because of insufficient funds, you may be charged a late fee and your credit report could be affected.
What to do if you can't log in
If you forget your password, click the "Forgot Password" link on the Merrick Bank login page. You'll be asked to enter your card number, and then the system will offer two ways to reset it: by email or by answering your security questions. Choose whichever method you set up during your first login. Merrick Bank will send you a link or a temporary password, which you can use to create a new password.
If you forget your card number, call Merrick Bank's customer service at the number on the back of your card. They can verify your identity and help you retrieve your account information. Do not share your card number or password with anyone, even if they claim to be from Merrick Bank.
If you're having trouble logging in after resetting your password, try clearing your browser's cache and cookies, then log in again. If the problem continues, contact Merrick Bank customer service — they can troubleshoot the issue or help you access your account by phone.
Payment timing and posting dates
Payments submitted online before 8 p.m. Eastern time on a business day typically post to your account the next business day. Payments submitted after 8 p.m. or on a weekend or holiday will post on the next business day after that. Your due date is set by Merrick Bank and appears on your monthly statement — as long as your payment posts by that date, it will not be considered late.
If your due date falls on a weekend or holiday, Merrick Bank extends the important date to the next business day. For example, if your due date is Saturday, you have until Monday to pay without a late fee. The payment posting date is different from the due date: a payment can post after your due date and still be considered on time if you submitted it before the important date.
If you're cutting it close to your due date, consider paying a few days early to account for processing time. If you need to make a payment urgently, call Merrick Bank's customer service line — they can sometimes process a phone payment faster than the online system.
Security and protecting your account
When you log in to your Merrick Bank account, make sure you're on the real Merrick Bank website (merrickbank.com). Scammers sometimes create fake login pages that look identical to the real site. Check the web address in your browser's address bar — it should start with "https://" (the "s" means it's find) and show "merrickbank.com," not a similar-looking URL.
Never share your password, card number, or security question answers with anyone. Merrick Bank employees will never ask for this information by email or phone. If someone contacts you claiming to be from Merrick Bank and asks for these details, hang up or delete the email and call the number on the back of your card to report it.
Log out of your account when you're done, especially if you're using a shared computer. Click the "Log Out" button, usually found in the top right corner of your account page. This prevents someone else from accessing your account if they use the same computer later.
Frequently Asked Questions
Is there a fee for paying online?
No. Merrick Bank does not charge a fee for online payments made through their website or mobile app, whether you pay from a bank account or debit card. Late fees explore only if your payment posts after your due date.
Can I pay by phone instead of online?
Yes. Call the customer service number on the back of your Merrick Bank card to make a payment by phone. A representative will walk you through the process. Phone payments are also free, but you may need to wait on hold depending on call volume.
What happens if my online payment fails?
If a payment fails (usually because of insufficient funds in your bank account or debit card), Merrick Bank will send you a notice. Try submitting the payment again once you have funds available. If the payment fails multiple times, contact customer service to discuss other payment options.
Can I change my payment date if I'm on automatic payments?
Yes. Log into your account, go to your automatic payment settings, and select a new payment date. The change will take effect on your next scheduled payment. If you need to change the date for this month's payment, do it as soon as possible to make sure the new date is before your due date.
Do I need to create an online account to pay my bill?
No. You can pay by phone without creating an online account. However, creating an account gives you 24/7 access to your balance and payment history, which many people find convenient. You can also pay by mail by sending a check to the address on your statement.