Merrick Bank Credit Card Login | Bill Payment

merrick bank credit card

Merrick Bank credit card is issued by Merrick Bank itself which is based out of Utah.  The card can be used across all Visa merchants worldwide. It is a secured card which means one needs to deposit security amount to receive equivalent credit line. The card is ideal for users who are trying to build their credit score. 

One can easily manage their credit card online using the online dashboard provided by Merrick bank. Simply login to your account to pay your bills, see outstanding balance, contact support and more. In this article, we have described step by step instructions on how to use each of the features.

                                                                                                                                                                         rewards and features
 Login                         Bill Pay                          Forgot User/Pass          Card Activation              Lost/Stolen                     Support                      Rewards/Features

Merrick Bank Credit Card Account Login

Step 1: Navigate to Merrick Bank Credit Card login page at

merrick bank credit card login

Step 2: Enter your chosen Username and Password.

Step 3: Click on “Log In

If the credentials match the Merrick bank records, you will be redirected to your account.

Credit Card Bill Pay

Bill Payment is fairly easy to do and can be done through multiple channels, via mail as well as Online.

By Mail – send your payment by cheque, money order or cash to:

Merrick Bank,

P.O. Box 660702,

Dallas, TX 75266-0702

To pay online:

Step 1: Login to your credit card account (Refer here)

Step 2: Navigate to the Online Bill Payment page, click on One-time payment option.

Step 3: Select the account from which the payment is to be made.

Step 4: Select the minimum due amount or enter a custom amount  (minimum being $15.00) and proceed with the payment.


Forgot User Name/Password

To recover your username, follow the steps given below:

Step 1: Navigate to Username recovery page – Link.

Step 2: Enter your Account number, First name, middle initial, last name, last 4 digits of SSN, date of birth and select your state.

Step 3: Click “Next” button.

Step 4: Your username will be sent to your registered email ID or phone number.

merrick bank credit card forgot user nameIn case you have forgotten your password, follow these steps to reset the password:

  • Step 1: Open password recovery page in your browser – Link.
  • Step 2: Enter Account number and Username, then click on ‘Continue‘ button.
  • Step 3: On the next page, you will be asked last 4 digits of SSN, Date of birth, card number and your Zip code.
  • Step 4: Click on ‘Next‘ button.

One the next page you will be given the option to set a new password for your account.

merrick bank credit card forgot password

Activate your Card

To start using your Merrick bank credit card, activation of the card is necessary. To activate your card, follow these steps:

merrick bank credit card activation

Step 1: Open card activation page – Link

Step 2: Enter your 16 digits card number, last 4 digits of SSN and your date of birth.

Step 3: Click on ‘Submit‘ button.

One the next page you will be given the option to set Username and password for your account.

Report Lost/Stolen Card

In case your card is lost or stolen, it should be immediately reported to Merrick Bank. To ensure immediate action, call the customer service directly at 1-877-727-6881.

You would need to verify your identity by answering security questions for your account. Once verified, the customer support executive will deactivate your old card and reissue a new one.

Customer Support

Phone Number1-800-204-5936
AddressMerrick Bank
Customer Service
P.O. Box 9201
Old Bethpage, NY 11804-9001
Payment AddressUSPS Mail
Merrick Bank
P.O. Box 660702
Dallas, TX 75266-0702Overnight Payments
Merrick Bank #660702
1500 Dragon St., Suite A
Dallas, TX 75207

Merrick Bank Credit Card – Features, Rewards, and Reviews

Card Features

Type Secured Visa
APR Rate 18.20%
Cash Advance APR Rate 23.20%
Cash Advance Fee 4% (Max $10)
Foreign Transaction Fee 2%
Late Payment Fee upto $38
Annual Fee $36 Billed at $3/month
Grace Period 25 days
Minimum Interest $1.00
Terms and Conditions View Here (Click on Rates and Disclosure)


  • Zero liability on unauthorized charges
  • Monthly credit reporting to all 3 major credit bureaus
  • Zero account set up fees
  • FDIC insured security deposit
  • Low annual fees

Last Updated on 20/04/2014
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