Merrick Bank Mobile Reviews

by Big Johnny Gunn

You can make a payment, the payment comes out of your account, but for some odd reason, the funds aren’t available until a week later. Don’t be drawn in by the double up on on time payments. There are much better card options out here. I was drawn in by the double up, but learned quickly that this is not the card for me. There isn’t even an option to Express pay, so funds are available right away. Bad card and a bad decision on my part. I will never use this card again.

by S Chassis

🤬🤬🤬🤬 Not being able to pay via debit/credit card has absolutely made this card worthless too me!!! I’m not accustomed to waiting 4days for you to take your money after I’ve given you authorization. They have hit me with returned check fees every month now for the 4 months that I’ve had the card😡😡😡😡. In 2019 you would think that every credit card company would get the memo that we need the payment process to be user friendly!!!!!
Of all my credit accounts merrick bank is the worst when it comes to taking and accepting payment. Make sure you read about acceptable forms of payment when you apply for a card!!!! I’ll never make this mistake again. NEVER AGAIN!!

by Jakeb25

These people are ridiculous. I have never missed a payment for years. Keep a zero balance. I use a different credit card for 6 months and they just close my account without telling me. I go to use it and nothing. They left me standing with no way to pay at a register. All because I didn’t use their card “ enough “ and i was using a different companies card. Thank god i have 8 other cards with no balances too. Lol. They just want your money and to make sure your indebted to them. They do NOT care about building your credit. Stay away from these wolves. If I could give a zero I would.

by Polylogy

I have called about MerrickBank only showing me transactions from April and May of 2016!!! It is Nov 2017, this has been the case since September 2017. I was advised they knew of the problem and were working to fix it. I still have not seen an app update and the problem is still happening. With all the credit card fraud, I will not be using my card at all until this is fixed. There is no easy way for me to check pending transactions to verify activity on my card. Until this issue that is extremely overdue to be fixed, I was satisfied with MerrickBank and card. (I was instructed to uninstall and reinstall... i did that, it did not fix anything.)

by 6LK KNG

This card is a scam!!! I haven’t missed a payment since I got this card, but my balance remains the same. I have paid more than the amount that listed on my minimum payment, yet my balance never decreases. However, my minimum payment goes up every couple of months. How is this even possible? My minimum payment shouldn’t be increasing if I’m paying my balance down. Stay away from this company at all cost. They didn’t post my last review, which tells me this company is a fraud. I will see if this one gets posted. I am reporting them and all of their activity to the Better Business Bureau.

by HamTyler77

I used to app to put a quick freeze on my account. When I went to “unfreeze” it, I noticed the quick-freeze feature (which is still advertised on both app and website) was nowhere to be found. I called their support line to inquire about unfreezing my card.

After waiting for a rep for an hour, he told me to go to MerrickBank section the feature was previously and unfreeze it there. I told him it did not exist. He seemed confused but said he could unfreeze my account from there and put me on hold. Then we got “disconnected.” Yeah.

Now I have a card with no way of unfreezing.

by CottonDrum

I’ve had MerrickBank for years, and the card itself wasn’t horrible. However, I’ve had the hardest time trying to get it to login by way of MerrickBank . Online seems to be the best, but via MerrickBank is terrible. If you are someone who pays by app please remember Merrick is going to set you back about 25 years with making your payments. It honestly shouldn’t be this hard to hand them money, but for whatever reason they make it extremely complicated. Customer service has to be slammed with resetting customers passwords daily. Hopefully, they’ll get this corrected one day!

by AshleyDawn83

When I first downloaded MerrickBank , it was great. I was able to log in and check my account balance, check statements, make payments, etc. and time I wanted to. Over the last week or so, once I get past the front loading screen, when it gets to the account information, it’s just a blank screen.

It’s funny in a way. I’m only like a month or so from hitting that point of having my card balance to increase, and all of a sudden I’m having trouble accessing my account from MerrickBank .

I have tried uninstalling and reinstalling MerrickBank several times over the last week or so that I have been having the issue, and it is still doing the same thing.

by Djsooshi

MerrickBank is about as dependable as a 10 year old condom in bowl full of thumbtacks. As many of us have busy lives, using MerrickBank to pay bills on the go is convenient. Whenever I try to get in MerrickBank to the pay the bill, app doesn’t work. Once in a blue moon it will pop up. I wonder if it’s so they can charge you a late fee? Anyway, I’m sure it’s just a lack of good IT to make MerrickBank work. I have an iPhone 11 that updated as it goes. No other CC app has this issue - you try to get on and takes you to a blank page. Lol, especially right after it sends an alert that it’s time to pay. Or maybe they want autopay? 🤷🏽. Going to finish this bill and not use the card

by Tat2dwaguy

Initially I rated this a 5 as I have been using MerrickBank since 2017 when it was extremely limited in functionality and very basic. The update to the new UI and added functionality was a major improvement. After the iOS 13.4 update and app update a week ago I cannot even get the application to load. Launching MerrickBank just opens a blank white page and nothing else happens. I have uninstalled and reinstalled the application as well as tried it on different hardware. The same thing happens on my iPhone 11, my daughters iPhone XR and my 5th Gen iPad. Both phones are on iOS 13.4 and the iPad is on iPad OS 13.4.

Please fix this bug as the application is currently unusable.

by CorinneTS

It is not a user friendly app and there is no connectivity to their website. The user is unable to get to paperless statements from app or look at any transactions that are not immediate or find any other information that the card holder might need, it is extremely annoying. And for some reason it seems the password you have for app you are unable to use on the website very frustrating as it wants to change password for app to website who wants to deal with a bunch of IT crap to just look at your statement to make sure nothing hinky is going on.

by Joetones

I have no problems with MerrickBank really - you can access all account info and submit payments with ease. However, being a financial app, would really like to see push notifications for transactions. And it’s 2021 - I know you’re a smaller bank, but no reason you can’t implement Apple Pay. Would only increase your user base and contribute to overall customer satisfaction and convenience. Please!

by Cew60

Sometimes MerrickBank works well, but other times I get the Merrick logo followed by a blank screen. No amount of waiting or restarting MerrickBank helps. Then later that same day, or the next, it works fine. More consistency would be nice.
**** The blank screen problem only happens when I’m using cellular connection (5G). Connecting through WiFi to my cable modem MerrickBank always works. It turns out I use MerrickBank most often to check my balance when I’m out and about, so it’s irritating.

by Deviant89

I don’t know what it was like in the past, but I can say, even though I haven’t used it too long yet, that there is no way i see this as poorly designed. I’ve seen that and this is not that. It has a lot of choices in the menu and is well designed and intuitive. I can’t speak for any bill pay functions but I can say that 1. This type of credit card isn’t usually going to itch your scratch for that, use your bank, checkbook, apps, whatever else. Usually bill pays through banks are slow and even send paper checks so you should maybe autopay directly and record somewhere yourself to make sure things get and stay paid even if contested. This is one of the better apps under the umbrella of low credit credit card/banks by far and I would from only take real stock in the reviews from this post on into the future. I wish some of these could be deleted. One suggestion for MerrickBank makers to fix this: with the next big update, make it an entirely new app page and app so that you can start fresh. This modern version is bogged by reviews that don’t even really count anymore. May have to make some big change to qualify I don’t know, but it would be worth the fresh start.

by Anthonys List

I always try to pay 2 weeks ahead of time in case there should be a problem because why would i chance it? Any way ive had no problem at all with them in fact i think they are very professional in fact they remind me of capital one which I think is “Top of the line”!

by Jewel Game Fan

Everytime I login I select the box “remember me” and then proceed to use application settings to allow for quick preview. Then I attempt a login later in the day and once again both these options aren’t saved. MerrickBank has deleted my user ID and does not allow me to use quick preview. I have used MerrickBank for almost a year, only recently has this become an issue. Please fix. Other than that I had loved MerrickBank .

App update:
I changed my one star to 5! My issue was the system deleting my user info for quick log in. The issue has been continually fixed for about a month now, I’m happy to report this no longer seems to be an issue. Now for the positive, what I like about this cc app in comparison to others, my payment post next day, this makes Merrick my go to cc if I want to make a last minute charge. I really like having my bank payment post quickly. My only complaint now resides with rewards, this card offers zero, but has no annual fee or other random fees. I do really like that Merrick gives credit line increases every 6 months with no fees also. I will keep this card forever.

by HOHIKM

First of all, Merrick has given me the best opportunity to repair my credit. I have been working hard to do this. When I lapsed on a payment , I was charged a late fee. I was so upset and thought I’d try to see if Merrick would forgive my late payment just this once. Guess what? They did! The rep was so kind and helped me in 5 minutes or less. Thank you, Merrick for understanding the human experience.
🙂

by Javakai

I had two cards secure I always pay back in full also used the card in the dates after reporting So far the card works great no problems using MerrickBank ,if you pay 2-3 days before or even on the due date there is really no issues my credit is finally at 670 and now you can get more picky about who you choose

by ?!$&?

Idk why MerrickBank has such bad reviews but it works on my iOS 11 Pro Max. Haven’t had an issue with anything except sometimes the loading is slow ~30secs, but that’s where others lack patience I guess.

I really don’t understand why these reviewers don’t just log onto the website to do their do’s instead of complaining about MerrickBank not working??? It’s not hard. I mean it’s an app… No app is perfect. They all have flaws.

The only thing I do wish they would do is allow it to be added to the apple wallet because carrying cards around is old in 2022. Plus cards get scratched easily no matter how much you clean them or use card separators then you end up not being able to make transactions. The tap & pay is a plus... Still old tech tho. Great bank in my opinion… Thx Merrick.

by DODCJ

When I saw all the bad reviews I got discouraged. I had already applied for and been approved for the credit card and then I was afraid after seeing so many bad reviews but it was too late because it was already on my credit report. But I have to say I haven’t had any issues with this company or their app to make an any payments, check my statements or anything, so I don’t know what the problem is but I’m glad I have an experienced it.

by Toka San

So I’ve been trying to learn MerrickBank to make payments on my credit card and it seems to be down or not responsive for days. Can the developers try to get something right with MerrickBank. Could you please send out a message saying app is down with a link to the website. I mean come on a little humanity can go along way in stead of the users deleting and reinstalling MerrickBank just to find out it’s still not working .

by Mangosolovely

Of remember my login or Touch ID if it’s going to lose the credentials?! People this day and age rely on such things for easy access and a streamlined process to getting into their accounts. I know I do. No one wants to call customer service or do anything like that, just to log into their portals. Compared to other banking apps, this one is poorly designed, poorly functioning. Don’t know where everyone’s money is going 🙄.

by Malcolmoliverj

This is undoubtedly the worst and most unreliable app that I have in my phone. It rarely remembers me, requiring me to log in. It often won’t open and appears to be loading endlessly. When I attempt to perform tasks, including logging in and making a payment, I repeatedly get an “Invalid Request” notice for no apparent reason. I’m glad that I have credit cards with other companies that I can readily recommend friends to use because apps are a big part of what many of my associates take into consideration and having a terrible one like this is a no go.

by JTPP11

I love my Merrick Bank card but their app is slower than a 25 year old pc. It takes literally over 90 seconds to actually sign in or move from to each new screen when making a payment. I honestly feel like it’s going to time out and not process every time. Their website is as bad and several times will timeout. It actually freaks me out a little that they are probably very susceptible to hackers.

by Trishtc112

Do not get this card! They advertise that they help build your credit and you’re prequalified, but once you activate the card, there’s already $150 worth of charges on the account!! Says it’s the activation and tax fee, but was never disclosed beforehand! Now I can’t close the card because it’ll affect my credit score so I have to make the payment!

by AQHA Reiner

You have to Google ‘Merrick Bank make RV Payment’ to get to the link, the home page log in is not the same as your RV Log loan acct. so you are stuck. The home page needs to have a link to RV Payments, or create a new app specific to RV Payments, it should not be this difficult. The Mobil Merrick App is just if you have a credit card or bank acct. terrible on line process. Great lender though.

by Bzsokrmom

App works great for just viewing balance, etc, but it would be really helpful if the Quick Freeze feature was available on MerrickBank instead of just on the website.

by Bigtrees01

I have had my Merrick card for several years andNever had a problem with making a payment with my debit/ credit card even when I pay by phone. I am very happy with Merrick. The only thing I have ever been unhappy with them is some of the fees. Ie: lost card fee etc. I think they are a little high but that goes with the territor

by Tracy K 1

Since the update on 2/22, this program has been working perfectly. I originally rated it one star, but I’m upping it to five. Remember login info now, and I’m not constantly having to reset everything. Thank you for finally fixing this issue!!

by Joleciabrown

I’m new to being a Merrick Bank customer but MerrickBank is really simple and it lets me see my available balance and credit! Also , I love that I can use Face ID cause it makes logging in so much easier. MerrickBank is easy to navigate.

by S_semken

I’ve had this card for a year now along with MerrickBank . I have never had an issue with MerrickBank . I login everyday with no problems. When I make a payment it’s posted that day. Not sure what the negative reviews are about. MerrickBank is always working and is very easy to use.