Where to pay your Merrick Bank bill
Merrick Bank lets you pay your bill through their online account portal, by phone, by mail, or through automatic payments. The fastest and most direct route is logging into your account on Merrick Bank's website — you can see your balance, due date, and make a one-time payment in minutes without calling anyone.
If you prefer not to use the website, you can call Merrick Bank's customer service line to make a payment over the phone. The phone number appears on your physical statement and in your online account. You'll need your account number and a payment method ready when you call.
For people who want payments to happen without thinking about them each month, Merrick Bank offers automatic payments — sometimes called autopay — where the bank pulls money from your checking or savings account on a date you choose. This prevents missed payments but requires you to make sure the money is in your account on that date.
Key Takeaways
- You can pay online through your Merrick Bank account, by phone, by mail, or through automatic payments set up in your account.
- Online and phone payments usually post within one business day, while mailed checks may take five to seven business days to reach the bank.
- Your due date appears on your statement — paying after that date may result in a late fee, even if the payment arrives within a few days.
- Automatic payments remove the need to remember a due date but require you to monitor your checking account balance to prevent overdrafts.
Paying online through your account
To pay online, go to Merrick Bank's website and log into your account using your username and password. If you don't have an online account set up yet, you can create one using your account number and Social Security number. Once logged in, look for a "Pay Bill" or "Make a Payment" button — the exact wording varies slightly, but it's usually visible on your account dashboard.
When you click to make a payment, you'll enter the amount you want to pay and choose the payment date. Merrick Bank allows you to pay the full balance, the minimum payment, or any amount in between. If you choose a future date, the payment will process on that day rather than when ready. Payments made before 5 p.m. Eastern Time typically post to your account the next business day.
You'll need a bank account to pay online — either a checking or savings account where the money will be drawn from. Have your routing number and account number ready, or use a debit card if Merrick Bank accepts that method for your account type.
Paying by phone
Call the customer service number on your statement to pay by phone. A representative will ask for your account number and the amount you want to pay. They'll also need the bank account or debit card information you want to use for the payment. The call usually takes five to ten minutes.
Phone payments process the same way as online payments — they typically post within one business day. Ask the representative for a confirmation number before you hang up, and write it down. This gives you proof that you called and made the payment, which is useful if there's ever a question about whether the payment went through.
Paying by mail
If you prefer to mail a check, write it to Merrick Bank and include your account number on the check itself. The mailing address appears on your statement — use that address, not a general company address, because statements are designed to route to the right processing center.
Mail payments take longer to post than online or phone payments. A check mailed today typically arrives five to seven business days later, and the bank may take another day or two to process it. This means a check postmarked on a Monday might not post until the following week. If your due date is soon, mailing a check risks a late fee even if you send it on time, because the bank won't receive it by the due date.
Write the check amount clearly and double-check the payee name and address before mailing. Keep a copy of the front and back of the check for your records.
Setting up automatic payments
To set up automatic payments, log into your Merrick Bank account online and look for an "Autopay" or "Automatic Payments" section. You'll choose the bank account or debit card you want the payment drawn from, the amount (usually your full statement balance or minimum payment), and the day of the month you want it to happen.
Many people choose the due date or a few days before it to avoid late fees. Others choose the day after they get paid to make sure the money is in their account. You can change or cancel automatic payments anytime through your account, so if your situation changes, you're not locked in.
The main risk with autopay is overdrafting your checking account if the payment amount exceeds what's available. Before you set it up, make sure you understand how much will be withdrawn and when, and confirm your account usually has that much available on that date.
Understanding your due date and late fees
Your due date is printed on your statement and also visible in your online account. This is the date by which Merrick Bank must receive your payment to avoid a late fee. The due date is usually at least 21 days after your statement closes, giving you time to receive the bill and pay it.
If your payment arrives after the due date, Merrick Bank will charge a late fee. The amount varies depending on your account terms, but late fees typically range from $25 to $40 for the first late payment. Paying even one day late triggers the fee, so the exact date matters.
If you're going to miss a due date, call Merrick Bank before the date arrives. They may be able to adjust the due date or discuss options with you, though they're not required to waive a late fee. It's better to call ahead than to let a payment become late.
What to do if your payment doesn't post
If you made a payment and it hasn't shown up in your account after two business days, log into your account to check the status. Online and phone payments usually show a confirmation number and expected posting date. If the payment shows as pending, wait until that date passes before contacting the bank.
If the payment shows as posted but your balance hasn't changed, contact Merrick Bank customer service with your confirmation number. If the payment never shows up at all, call to report it. Have your confirmation number, the amount, the date you made the payment, and the payment method ready when you call.
For mailed checks, allow the full five to seven business days before assuming something went wrong. If more than a week has passed since you mailed it and it still hasn't posted, call Merrick Bank with the check amount and date you mailed it.
Frequently Asked Questions
Can I pay my Merrick Bank bill with a credit card?
No. Merrick Bank only accepts payments from a checking account, savings account, or debit card. Paying a credit card with another credit card typically isn't allowed by any card issuer because it creates a cash advance, which carries higher interest rates and fees.
What happens if I pay more than my balance?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use that credit toward future purchases, or you can request that Merrick Bank refund the overpayment to your bank account. Contact customer service to request a refund.
Is there a fee to pay my bill online or by phone?
No. Merrick Bank does not charge a fee for online or phone payments. Automatic payments are also free. Mailing a check costs only the price of a stamp.
Can I change my due date?
Merrick Bank may allow you to request a different due date, but policies vary by account. Log into your account or call customer service to ask whether a due date change is available. If it is, the new date usually takes effect on your next statement.
What if I can only pay the minimum?
You can pay any amount between the minimum and your full balance. Paying only the minimum keeps your account current and avoids a late fee, but the remaining balance will accrue interest. Paying more than the minimum reduces the interest you pay over time.