Where to log in and what you need
Merrick Bank's online portal is at www.merrickbank.com. To log in, you will need your card number and a password you create during your first visit. If you do not have an online account yet, you can set one up the first time you visit the site — the bank will ask for your card number, Social Security number, and date of birth to verify your identity.
You can also pay by phone by calling the customer service number on the back of your card. A representative can process a payment over the phone, though some people prefer the online method because there is a record you can see when ready.
Mobile payment through the Merrick Bank app is another option if you prefer to manage your account on your phone. The app uses the same login as the website.
Key Takeaways
- Log in at www.merrickbank.com with your card number and password, or call the number on your card to pay by phone.
- Payments made online or by phone typically post within one to two business days, though the exact timing depends on when you submit the payment.
- You can set up automatic payments from your bank account so your Merrick card payment happens on the same date each month.
- If you pay late, Merrick will report the late payment to credit bureaus, which can lower your credit score and trigger a higher interest rate on future purchases.
How to make a one-time payment online
Once you are logged into your account at www.merrickbank.com, look for a link labeled "Make a Payment" or "Pay Now" — the exact wording can shift slightly depending on updates to the site. Click that link and you will see your current balance and the minimum payment due.
You can pay any amount between the minimum and your full balance. Enter the amount you want to pay, then choose your payment method. Merrick accepts payments from a checking or savings account (called an ACH transfer), and some accounts also allow debit card payments. You will need to provide your bank's routing number and your account number if you are paying from a bank account for the first time.
After you enter the payment details, the system will show you a confirmation screen with the amount, the date the payment will post, and a confirmation number. Write down or screenshot this number — you will need it if you ever need to dispute the payment or prove you sent it.
Setting up automatic payments so you never miss a due date
Automatic payments remove the step of logging in each month. In your online account, look for "Autopay," "Automatic Payments," or "Recurring Payments" — again, the exact label varies. You will choose the date each month when the payment should come out of your bank account, and the amount (usually the minimum payment, but you can set it higher).
Automatic payments typically start on the date you choose in the following month, not when ready. If your payment is due on the 15th and you set up autopay on the 10th, the first automatic payment will usually come out on the 15th of the next month. Read the confirmation screen carefully to see when your first payment will process.
You can change or cancel an automatic payment at any time by logging back into your account and editing the autopay settings. If you cancel, make sure you have another way to pay — otherwise your account will fall behind.
What happens if your payment is late
Merrick considers a payment late if it does not arrive by your due date. Even a payment that is one day late can trigger a late fee (the amount varies by your card terms) and a higher interest rate on new purchases. More importantly, Merrick reports late payments to the three major credit bureaus — Equifax, Experian, and TransUnion — which can lower your credit score.
A single late payment can stay on your credit report for up to seven years, which affects your ability to borrow money at a good rate in the future. If you know you will be late, call Merrick's customer service number on your card and ask if they can work with you. Some cardholders have had late fees waived if they have a good payment history and call before the payment is due.
Payment timing: when the money actually leaves your account and when it shows up
The timing of your payment depends on how you send it. If you pay online or by phone using a bank account transfer (ACH), the money usually leaves your bank account within one business day and posts to your Merrick account within one to two business days after that. "Business day" means Monday through Friday, excluding federal holidays.
If you pay with a debit card, the timing is often faster — sometimes the same day — but it depends on your bank and Merrick's processing schedule. The confirmation screen will tell you the expected posting date when you submit the payment.
If you pay by mail with a check, allow at least five to seven business days for the check to arrive and be processed. For this reason, mailing a check is the slowest option and carries the risk that it will arrive after your due date if you wait too long to send it.
Troubleshooting: what to do if you cannot log in or your payment does not go through
If you forget your password, click "Forgot Password" on the login page at www.merrickbank.com. Merrick will send a reset link to the email address on file. If you do not receive the email within a few minutes, check your spam folder.
If your payment is rejected — for example, because your bank account information is wrong or your account does not have enough money — Merrick will usually send you a notice by mail or email explaining why. Do not assume the payment went through just because you submitted it. Log back into your account and check your payment history to confirm the payment posted.
If you see a payment in your account history but it has not posted to your Merrick balance yet, wait one to two business days. If more than two business days have passed and the payment still does not show, call customer service at the number on your card with your confirmation number ready.
Frequently Asked Questions
Can I pay my Merrick card with a credit card or another card?
No. Merrick only accepts payments from a bank account (checking or savings) or a debit card. You cannot pay with another credit card. Paying with a debit card is faster than an ACH transfer but may carry a small fee depending on your card terms.
What is the latest time I can pay online and still make my due date?
This varies by Merrick's processing schedule, but most online payments submitted before midnight Eastern Time will post the next business day. To be safe, submit your payment at least one business day before your due date. If your due date falls on a weekend or holiday, Merrick will not process payments that day, so pay earlier in the week.
If I set up autopay, can I still make extra payments?
Yes. Autopay does not prevent you from making additional payments whenever you want. You can log in and make a one-time payment in addition to your automatic payment. This is useful if you want to pay down your balance faster or if you have extra money one month.
Will Merrick charge me a fee to pay online?
Merrick does not charge a fee for online payments made through their website or app. Phone payments are also free. If you pay by mail with a check, there is no fee, but it takes longer to process.
What should I do if I think Merrick charged me a late fee by mistake?
Call customer service at the number on your card and explain the situation. Bring your confirmation number from when you made the payment. If Merrick's records show the payment arrived on time, they may reverse the late fee. If you have a history of on-time payments, they are more likely to help.