Merrick Bank Login –

Merrick Bank operates a very user-friendly and feature-rich online banking portal. Through its official website, one can easily access a range of customer services provided by the bank. In this article, we are providing steps to all the important activities available on the online portal of the bank. Below you can find a guide on a credit card application, how to change your password, and log in to your account. At the end of this article, we have also provided the phone number of the bank’s representative. Feel free to contact them in case of further assistance.

Merrick Bank is an FDIC insured credit card issuer, founded in 1997 and the parent company of the bank is CardWork, Inc.  

Bank deals especially in the credit card and loan segment. In the credit card segment, banks offer both secured and unsecured cards. Other than credit cards, banks also finance marine, RV, and horse trailers.

Merrick Bank Credit Card Login

Step 1: Open a new tab in your web browser. 

Step 2: Copy and paste the “” URL in the address bar and hit enter.

Step 3: Sign-On space is placed on the right side of the page.

Step 4: From the first box placed under the sign on space choose Credit cards, if not selected by default.

Step 4: Add your username and password in the boxes provided respectively.

Merrick Bank Login
Merrick Bank Login

Step 5: Check the “Remember me” box. This step is not compulsory and is not recommended for those using publicly available systems.

Step 6: Click on the “LOG IN” button.

Signup for Merrick Bank Credit Card Account

Step 1: Follow up to step 2 of the credit card login explained in the above section. 

Step 2: Click on the “Not enrolled? Signup now?” link placed below the “LOG IN” button.

Step 3: Add your account number exactly as they appear on your credit card in the first box.

Step 4: Then Add your Date of Birth and the last 4-digits of your SSN.

Step 5: Click on the “NEXT” button.

Step 6: Follow all the on-screen instructions by providing asked details and create a username and password.

How to Recover a Forgotten Username or Password

Step 1: Follow up to step 2 of the credit card login to go to the official banking portal of Merrick bank.

Step 2: Click on the “Forgot username or password?” link laced below the “Log In” button.

Step 3: Add your account number and username in the given boxes. In case you want to recover your username go to step 5.

Step 4: Click on the “Continue” button.

Step 5: After step 2 click on the “Forgot username?” link placed below the boxes.

Step 6: Enter your Account number, last 4-digits of SSN, and your last name in the boxes respectively.

Step 7: Click on the “Continue” button. 

Step 8: Follow as instructed by the page to reset the forgotten password

Merrick Credit Card Activation

Step 1: Open a new tab in your web browser.

Step 2: Copy “”. URL

Step 3: Paste the URL in the new tab and hit enter.

Step 4: Add 16-digits of your newly received credit card number in the first box.

Step 5: Enter the last 4-digits of your SSN and Date of Birth in the provided space.

Step 6: Click on the “Activate Your Card”.

Merrick Credit Card Bill Payment

  • Online Payment – You can make payment for credit card dues after accessing your account online. Use the steps given in the credit card login section. YOu can also set up recurring payments through the cardholder center.
  • Through Mobile Banking – Merrick credit cardholders can also install the bank’s mobile app to quickly pay their current dues. The link to install the app is provided in the mobile banking section below. 
  • By Phone – Call on 1.800.20.5936 to connect to the automated line of the bank. You can also take the assistance of the bank’s representative to make payment.   
  • Via Mail – Write your credit card account number in the memo line of the check/payment and send it using the below-given address.

Merrick Bank
P.O. Box 660702
Dallas, TX 75266-0702

Overnight Payment
Merrick Bank
Attn: Lockbox Operations #660702
2701 East Grauwyler Road, BLDG 1
Irving, TX 75061

Merrick Credit Card Application

In case you received a credit card offer from the Merrick bank use the step given below to apply.

Step 1: Visit the Merrick bank online banking portal.

Step 2: Hover the cursor on the “Products” placed on the upper section of the page.

Step 3: Click on the “Credit cards” on the appeared menu.

Step 4: Add your Acceptance certificate number and other details asked by the page.

Step 5: Click on the “Apply Now” button and complete the remaining steps by following prompts.

Apply for a credit card without any offer:

Step 1: Open a new tab in your web browser.

Step 2: Copy and paste the “” URL in that tab and hit enter.

Step 3: Add your details like social security number, Date of Birth, etc as asked by the page.

Step 4: Click on the “See if Match” tab placed on the lower right-hand side of the page.

Step 5: If the matched page will ask you to continue your application. Follow the on-screen instruction to complete the rest of the process.

Merrick Loan Account Login

Merrick also provides online access for its loan accounts like personal loan, RV, Boat, Horse Trailer loan, etc. To access your account go to the official banking portal of the Merrick bank and simply select the account type from the box placed in the login section. The rest of the process is the same as explained in the above credit card login section. For some accounts, the bank will redirect to another dedicated portal.

Merrick Bank Routing Number and Swift Code

You can find the Routing number of the Merrick bank for wire transfer on the lower left side of the check issued by the bank. To know more about the bank’s SWIFT Code and routing number you can also contact customer service on the phone number provided at the end of the article.

Merrick Bank Android / iPhone app

Using the mobile app of Merrick bank you can manage your account more efficiently. You can also check your FICO score through the app. Below are the links to download the app for mobile banking. 

Download the mobile app for your android devices from here.

To download the Merrick mobile app on your Apple devices click here

Merrick Bank Customer Service

Credit Card – 1-800-204-5936

RV, BOAT, & HORSE TRAILER LOANS – 1-888-545-5777

PERSONAL LOANS -1-833-842-7900


Merrick Bank

P.O. Box 5000

Draper, UT 84020-5000

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