Where to Pay Your Merrick Bank Credit Card
You can pay your Merrick Bank credit card through their official website at merrickbank.com, by phone at the number on the back of your card, or by mailing a check to the address printed on your statement. The online portal and phone line are the fastest routes — both process payments the same day if you submit before the payment important date.
Merrick Bank does not offer automatic recurring payments through their website, so you will need to log in and make each payment manually. If you want payments to happen without your action each month, you can set up autopay through your bank's bill pay system instead, which sends money directly to Merrick Bank's lockbox address.
The payment important date is the same date each month, printed on your statement. Payments received after 5 p.m. Eastern Time are treated as received the next business day. If your important date falls on a weekend or holiday, Merrick Bank extends it to the next business day.
Key Takeaways
- Log in at merrickbank.com with your username and password, or call the number on your card to pay by phone without logging in.
- Online payments process the same day if submitted before the important date; mailed checks take 7 to 10 business days to reach the payment processor.
- Merrick Bank does not offer automatic recurring payments on their website, but you can set up bill pay through your own bank instead.
- The payment important date is the same date each month and extends to the next business day if it falls on a weekend or holiday.
- Payments made after 5 p.m. Eastern Time are recorded as received the following business day, which may affect whether you pay on time.
Logging In to Your Merrick Bank Account Online
Go to merrickbank.com and look for the "Log In" button, usually in the top right corner of the homepage. Click it and enter your username and password. If you have not set up an online account yet, you will need to create one first by providing your card number, Social Security number, and date of birth.
If you forget your password, click "Forgot Password" on the login page. Merrick Bank will send a reset link to the email address on file. The link expires after 24 hours. If you do not receive the email, check your spam folder or wait a few minutes — sometimes the email takes time to arrive.
Once you are logged in, look for a tab or menu option labeled "Make a Payment" or "Pay My Bill." This takes you to the payment screen where you enter the amount and choose your payment method.
Paying Online Through Your Merrick Bank Account
After clicking "Make a Payment," you will see a form asking for the payment amount and the date you want the payment to process. Enter the amount you owe (or a different amount if you want to pay more than the minimum). The payment date you choose must be today or a future date — you cannot backdate a payment.
Next, select your payment method. Merrick Bank accepts payments from a checking or savings account (using your routing number and account number) or from a debit card. If you use a bank account, the payment is free. If you use a debit card, Merrick Bank charges a fee — the amount varies, so check the screen before you confirm.
Review the payment details one more time, then click "Confirm" or "Submit." You will see a confirmation number on the screen. Write this down or take a screenshot — you will need it if you have questions about the payment later. Merrick Bank also sends a confirmation email to the address on file.
The payment will post to your account on the date you selected, as long as you submitted it before 5 p.m. Eastern Time. If you submitted after 5 p.m., it posts the next business day.
Paying by Phone Without Logging In
Call the customer service number on the back of your Merrick Bank credit card. A representative will ask you to verify your identity by providing your card number, Social Security number, or date of birth. Once verified, tell them you want to make a payment.
The representative will ask how much you want to pay and what date you want it to process. They will then ask for your payment method — either a checking or savings account (routing number and account number) or a debit card. Phone payments are free if you use a bank account; debit card payments carry a fee.
After you provide the information, the representative will read back the payment details and ask you to confirm. Once you confirm, the payment is submitted. The representative will give you a confirmation number — write it down. The payment posts on the date you selected, or the next business day if you called after 5 p.m. Eastern Time.
Mailing a Check or Money Order
Write a check or money order for the amount you owe. On the memo line, write your Merrick Bank card number so the payment reaches the right account. Include your payment coupon from your statement if you have one — it has your account number printed on it and speeds up processing.
Mail the check to the address shown on your statement under "Make Checks Payable To" or "Send Payment To." Do not mail it to Merrick Bank's main office — use only the address on your statement, which is usually a lockbox address run by a payment processor.
Mailed payments take 7 to 10 business days to arrive and be processed. If your payment important date is coming up, mailing a check is risky — the payment may not arrive in time. Use online payment or phone payment instead if you are close to the important date.
Setting Up Bill Pay Through Your Bank
If you want a payment to happen automatically each month without logging into Merrick Bank, set up bill pay through your own bank instead. Log into your bank's website or app, find the bill pay or payments section, and add Merrick Bank as a payee. Your bank will ask for the payment address — use the lockbox address from your Merrick Bank statement.
Once Merrick Bank is added as a payee, you can schedule recurring payments for the same date each month, or set up one-time payments. Your bank sends the money directly to Merrick Bank's lockbox, and it arrives in 3 to 5 business days. This method is free and does not require you to log into Merrick Bank each time.
The downside is that your bank controls the timing, not Merrick Bank. If your bank sends the payment late, it may arrive after your important date. Check with your bank about how far in advance you need to schedule a payment to make sure it arrives on time.
What Happens If You Miss the Payment important date
If your payment does not post by the important date, Merrick Bank reports it as late to the credit bureaus. A late payment stays on your credit report for seven years and can lower your credit score. Merrick Bank may also charge a late fee — the amount depends on your card terms, but it is usually $25 to $40.
If you realize you will miss the important date, call Merrick Bank when ready at the number on your card. Some representatives can extend the important date by a few days or waive a late fee if this is your first missed payment. There is no may provide, but it is worth asking before the important date passes.
If you have already missed the important date, make a payment as soon as you can. The late payment is already reported, but paying quickly stops additional fees and shows Merrick Bank you are catching up.
Frequently Asked Questions
Can I pay my Merrick Bank card with a credit card or gift card?
No. Merrick Bank only accepts payments from a checking or savings account or a debit card. You cannot pay with another credit card or a gift card. If you do not have a bank account, you can pay by phone with a debit card, though a fee applies.
How long does it take for an online payment to show up in my account?
Online payments post the same day if you submit before 5 p.m. Eastern Time. If you submit after 5 p.m., it posts the next business day. You will see the payment reflected in your available credit and balance when ready after it posts.
What if I pay too much by accident?
If you overpay, Merrick Bank holds the extra amount as a credit on your account. You can use it toward your next statement balance, or you can call customer service to request a refund. Refunds are mailed as a check and take 7 to 10 business days to arrive.
Can I cancel a payment after I submit it online?
If you submitted the payment and it has not yet posted, you may be able to cancel it. Log back into your account and look for a "Pending Payments" or "Payment History" section. If the payment is still pending, there may be a cancel option. If the payment has already posted, you cannot cancel it — you would need to request a refund instead.
Is there a fee to pay my Merrick Bank card online?
There is no fee if you pay from a checking or savings account. If you pay with a debit card, Merrick Bank charges a fee that varies — you will see the amount on the payment screen before you confirm. Phone payments and mailed checks are also free if you use a bank account.