Merrick Bank Review
Merrick Bank is a consumer finance bank specializing in secured credit cards and private‑label card programs nationwide.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | Merrick Secure Checking | No monthly fee |
Savings: | Merrick Online Savings | 25.00% APY |
Credit: | Merrick Secure Visa | No annual fee |
Mortgage: | 30-Year Fixed | 4.25% interest rate |
Fee Rating
3.6/5
Lower is better
FDIC Insured
Yes
Certificate: 124003116
Digital Banking
3.8/5
Online & Mobile Experience
Branch Network
0
Physical Locations
Key Features
- Easy approval; secured options; online application.
Bank Information
Routing Number
124003116
SWIFT Code
MERRUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-866-700-9111
Mon–Fri 8am–8pm ET
Headquarters
Draper, UT, USA
Years in Business
28 years (Est. 1997)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
SSL; device recognition
Login Instructions
Enter username & password → complete 2FA
Login Help
Call customer service: 1-866-700-9111
Hours: Mon–Fri 8am–8pm ET
Products & Services
Accounts & Products
Checking
Merrick Secure Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$39
ATM Fee
$3
Savings
Merrick Online Savings
APY
$25.00%
Annual Earnings
$25.00
Compounds
$Daily
Minimum Balance
$500
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
Merrick Secure Visa
Annual Fee
$0
Card Type
$Secured
APR Range
$19.99% - 29.99%
Network
$Visa
Mortgage
30-Year Fixed
Interest Rate
$4.25%
APR
$4.35%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$50,000
Max Loan Amount
$700,000
Digital Banking Experience
Mobile App Rating
Good mobile experience
Online Banking
Good online experience
Customer Service
Good customer support
Digital Features
Ready to Start Banking with Merrick Bank?
Visit their website to explore account options and start your application