Merrick Bank issues the Merrick Credit Card, a secured and unsecured credit card designed to help build or rebuild credit with features like no security deposit required on select cards and free monthly FICO® Score access. Paying your Merrick Bank credit card bill on time avoids late fees (up to $40), penalty APRs (which can reach 29.99%), negative credit reporting, and potential account restrictions.
Official Merrick Bank Payment Resources
- Merrick Bank Help & Support (Payment Options Guide) – Complete official list of every payment method, including online banking, mobile app, phone, mail addresses, and cash options with current instructions and fees.
- Merrick Bank Credit Card Login Portal – Secure login to view statements, make payments, set up AutoPay, check your FICO® Score, and manage your full account 24/7 : https://logon.merrickbank.com/
Phone payments and cash payments at retailers may incur fees (disclosed at the time of payment).
1. Pay Online via Merrick Bank Account (Fastest & Most Recommended)
The official online banking portal and mobile app are the primary, secure ways to pay your Merrick Bank credit card bill 24/7.
How to pay:
- Log in at https://logon.merrickbank.com/ or through the Merrick Bank Mobile App (available on iOS and Android).
- Navigate to Make a Payment on the dashboard.
- Select your credit card account, choose the payment amount (minimum due, full balance, or custom), and pay from your linked checking or savings account (free ACH).
- Credit/debit card payments are also accepted (convenience fee may apply and is shown at checkout).
Payments typically post the same or next business day. You can view statements, track spending, set custom alerts, and monitor your FICO® Score in the same portal.
2. Set Up AutoPay (Recommended for Recurring Bills)
Enroll in AutoPay directly in the online account or mobile app for automatic monthly deductions from your bank account on the due date. AutoPay is free, eliminates missed payments, and can be modified or canceled anytime. This is the most reliable way to maintain good account standing.
3. Pay by Phone (Fees May Apply)
Call (800) 204-5936 (TTY/TDD: (800) 253-4563) during business hours or use the automated system. Have your 16-digit card number ready. Representatives can process payments with bank or card details. Phone payments may incur a fee (disclosed before confirmation).
4. Pay by Mail
Mail payments remain a free option when using a check or money order (payable to Merrick Bank).
Standard mailing address: Merrick Bank P.O. Box 660702 Dallas, TX 75266-0702
Overnight / Express mail: Merrick Bank Attn: Lockbox Operations #660702 3000 Kellway Dr Ste 120 Carrollton, TX 75006-3356
Include your account number on the check. Allow 4–7 business days for standard mail. Never send cash.
5. Cash Payments at Retailers
Pay with cash at nearby money services counters (e.g., Walmart, Kroger) or use MoneyGram, Western Union, or other electronic services. Fees from these providers range from $1 to $20—ask the cashier for exact amounts and options. This is useful for cash-paying customers without online access.
6. Mobile App
Download the free Merrick Bank Mobile App to manage payments on the go. Features include real-time balance checks, payment scheduling, FICO® Score monitoring, and secure alerts. Log in with your existing online banking credentials.
7. Payment Assistance & Important 2026 Notes
If you are experiencing financial hardship, contact customer service promptly to discuss payment arrangements. Merrick Bank offers flexible options on a case-by-case basis.
Important 2026 Notes:
- Always use official merrickbank.com domains and verified phone numbers.
- Merrick Bank never requests payment via gift cards, wire transfers, cryptocurrency, or unsolicited links.
- Late payments may result in additional fees or account restrictions.
- For billing questions or errors, refer to the Help & Support page.
Customer Service Contacts
- General support: (800) 204-5936
- Hours: Monday–Friday, business hours (automated options available 24/7)
Frequently Asked Questions (FAQs)
1. What is the official way to pay my Merrick Bank credit card bill? Log in to online banking at https://logon.merrickbank.com/ or use the mobile app for the fastest and most secure payments.
2. Is guest/one-time payment available without login? No public guest pay portal exists. All online payments require login to your Merrick Bank account for security.
3. Are there fees for payments? Bank account (ACH) payments through online banking are free. Phone and certain card payments may incur fees (disclosed at the time of payment). Cash payments at retailers vary by provider ($1–$20).
4. How do I set up AutoPay? Log into your online account or mobile app and follow the prompts under payment settings.
5. What phone number should I use for payments? Call (800) 204-5936 (fees may apply for phone payments).
6. Where do I mail my payment? Standard mail: Merrick Bank, P.O. Box 660702, Dallas, TX 75266-0702. Overnight: 3000 Kellway Dr Ste 120, Carrollton, TX 75006-3356.
7. Can I view my statements and FICO® Score online? Yes — full access to statements, payment history, and free monthly FICO® Score is available after logging in.
8. How quickly do online payments post? Most electronic payments post the same or next business day.
9. What should I do if I cannot pay my full balance? Contact customer service at (800) 204-5936 immediately to discuss payment arrangements.
10. Is the Merrick Bank Mobile App official? Yes — download it from the App Store or Google Play for secure payments and account management.
11. Can I pay using cash? Yes — at participating retailers or money services counters (fees apply).
12. Are third-party bill-pay services recommended? No. Merrick Bank only endorses its official online banking, mobile app, phone, and mail channels to avoid extra fees or delays.
