Merrick Bank Customer Service

Phone Number & Contact Info

Merrick Bank's Best Phone Number

800-253-2322
Toll-free·Calls Customer Service·Most popular Merrick Bank number
Q:

How do I talk to a live human at Merrick Bank?

A:Press 0, then wait on line until transferred to a representative.
Q:

Does Merrick Bank offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Thursday.
Q:

How long will I wait on hold?

A:The average hold time is 9 minutes. The longest hold times are on Friday, and the shortest are on Monday. How is this calculated?

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Merrick Bank phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Press 0, then wait on line until transferred to a representative.
Here is how our research team describes the way the Merrick Bank phone system greets you: To continue using this number, press 1. To access a different account, press 2.
Below are some clips we've found from Merrick Bank's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask you to enter information with the dial pad

"Welcome to Merrick Bank card services. For the fastest service options, please download the Merrick Bank mobile app, or visit us online at merrick bank dot com. To make a payment, check your balance or recent transactions, and make updates to your account information.
See the saying through
Please enter your sixteen digit account number now."
Excerpt from a call with Merrick Bank
Thursday, May 16, 2024 5:02 PM

What are the hours and when should I call?

Merrick Bank operates the call center for this 800-253-2322 phone number 24 hours, 7 days. The short answer is that you should call on a Monday. This observation and the following section are based on analysis of a sample set of 529 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Merrick Bank phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Merrick Bank staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Merrick Bank is Sunday. The most busy day to call is Thursday, which averages 242% more phone calls by comparison. Again, this is based on a sample of 529 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Busiest
Fri
Sat

The shortest wait on hold

We measured the shortest hold times to be on Monday. The longest wait in the queue on average occurs on Friday.

The best time to call Merrick Bank

In summation, the best day to call Merrick Bank is Monday. It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that Merrick Bank staffs up on Monday to handle the higher call volume, and that makes it the best time to call.

Why Customers Call Merrick Bank

If you have time to do a bit of reading before you call Merrick Bank, we recommend you read over some of our problem-specific articles.

What is the interest rate on Merrick Bank credit cards?

The interest rate on Merrick Bank credit cards varies depending on the specific card and the creditworthiness of the applicant. The Annual Percentage Rate (APR) can range from a competitive rate to a higher rate for individuals with lower credit scores. To determine the exact interest rate for a particular credit card, applicants are required to go through the application process, after which the bank will assess their credit history and financial situation. It is important to note that Merrick Bank provides credit building opportunities, which makes it possible for individuals with limited or poor credit to obtain a credit card and improve their credit score over time.

What are the fees associated with Merrick Bank credit cards?

The fees associated with Merrick Bank credit cards include an annual fee, which varies based on the specific card, and is disclosed at the time of application. There may also be cash advance fees, depending on the card, which are charged when you use your card to withdraw cash at an ATM or for similar transaction types. Late payment fees may apply if the minimum payment is not received by the due date specified on your statement. Returned payment fees may be assessed if your payment is returned for insufficient funds. Additionally, foreign transaction fees may be applicable for purchases made outside of the United States. It is important to review the terms and conditions of each card to fully understand the associated fees.

What payment methods does Merrick Bank accept?

Merrick Bank offers various convenient payment methods to their customers. They accept payments through online banking, allowing customers to make payments directly from their bank accounts. Additionally, they accept payments through check or money order, which can be sent via mail to their designated address. Customers can also make payments through their mobile app, providing an easy and quick way to manage their accounts on-the-go. For those who prefer phone transactions, Merrick Bank allows payments through their automated phone system or by speaking with a customer service representative. Furthermore, customers have the option to set up recurring payments, ensuring timely payments without any hassle. Overall, Merrick Bank offers a range of payment methods to accommodate the diverse needs of their customers.

Top Merrick Bank customer service problems

Click the link above to get answers to just about any Merrick Bank customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Merrick Bank, and their purpose. Are any of these similar to the reason you are trying to call?
Assistance with logging in: "Yeah. I'm having trouble logging in."
- From a call lasting 8m 47s , May 7, 2024 2:13 AM
Account balance inquiry: "I want to know how much is my available credit on the credit card and how much do I owe left on it?"
- From a call lasting 7m 39s , Apr 3, 2024 11:08 PM
Making payment on closed account: "The card's been closed. I just wanna make a payment on it."
- From a call lasting 7m 58s , Apr 2, 2024 12:13 AM
Payment issue and account closure concerns: "We made a payment yesterday and they closed my account, now there are credit concerns."
- From a call lasting 15m 3s , Mar 1, 2024 3:28 PM
Payment due date extension: "I was trying to figure if we can postpone to, like, next week when I get paid."
- From a call lasting 4m 35s , Feb 18, 2024 11:20 PM
Account charge-off removal: "I was just calling to see how to get that off because I paid that account off even though it was charged off."
- From a call lasting 9m 7s , Feb 16, 2024 7:43 PM
Unauthorized credit card opened: "I received an alert that a new credit account was opened without my authorization."
- From a call lasting 54m 49s , Feb 10, 2024 10:38 PM
Payment inquiry: "I'm trying to find a balance out in my next payment or whatever."
- From a call lasting 4m 58s , Feb 1, 2024 4:35 PM
Payment due date inquiry: "I just wanna know is the due date or I can pay now?"
- From a call lasting 6m 27s , Jan 2, 2024 4:29 PM

More Merrick Bank Customer Service Contacts

There are of course other ways to contact Merrick Bank customer service besides the phone. Below we list the best ones, by medium.

Merrick Bank Customer Help Desk / Web Support

merrickbank.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Merrick Bank customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Merrick Bank's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Merrick Bank agent. This phone number is Merrick Bank's best phone number because 57,798 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-253-2322 include Overcharge/Strange charge, Recover Account, Complaint, Make a payment, Update account information and other customer service issues. The Merrick Bank call center that you call into has employees from Utah and is open 24 hours, 7 days according to customers. In total, Merrick Bank has 1 phone number. It's not always clear what is the best way to talk to Merrick Bank representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Merrick Bank. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Merrick Bank. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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