| Region / Service | Phone Number | Notes |
|---|---|---|
| General Customer Service (Credit Cards) | 1-800-204-5936 | (Mon–Fri: 8 a.m.–12 a.m. ET, Sat: 8 a.m.–10 p.m. ET, Sun: 9 a.m.–9 p.m. ET) |
| Recreational Loan Customer Support | 1-888-545-5777 | Regional support line |
| Lost or Stolen Credit Card | 1-800-204-5936 | 24/7 automated support |
| Fraud Department | 1-800-204-5936/a> | Routed via main line |
Merrick Bank is a U.S.-based financial institution headquartered in South Jordan, Utah. Founded in 1997, Merrick Bank is a wholly owned subsidiary of CardWorks, Inc., and is primarily known for providing credit cards, recreational loans, and merchant acquiring services.
Unlike large traditional retail banks, Merrick Bank specializes in credit solutions for consumers who are working to build or rebuild their credit history. It is one of the top issuers of Visa® credit cards in the United States, serving over 3 million cardholders nationwide.
Merrick Bank also finances recreational vehicles (RVs), boats, and trailers through dealerships across the country, making it a strong player in the recreational lending market.
Additionally, Merrick Bank is an FDIC-insured bank and is recognized as one of the leading merchant acquiring banks, supporting credit card payment processing for thousands of businesses.
Credit Cards:
Secured and unsecured credit cards for consumers with limited or challenged credit.
Free FICO® score access, credit education tools, and account management via mobile and online banking.
Recreational Loans:
Financing for boats, RVs, motorcycles, horse trailers, and travel trailers.
Loan programs through a nationwide dealer network.
Merchant Acquiring Services:
Credit and debit card transaction processing for businesses.
Risk management and compliance support.
Digital Banking:
Online and mobile account management.
Free FICO® Score access.
Merrick Bank is particularly popular among individuals looking to build or rebuild credit, thanks to its credit-building card programs and straightforward approval processes.