Merrick Bank

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Cardholder Center

Access your account 24 hours a day, seven days a week using Merrick Bank's new and improved Cardholder Center.

Card Act of 2009

Questions about the recent CARD Act?

Click here

Consumer Awareness

We believe it is important for consumers to stay up to date on important financial-related issues.

    Phone Scam Alert!
    Debt Counselors/Elimination
    Identity Theft Protection
    Debt-to-Income Ratios
    Your Credit

Financial Education

Build knowledge, security and confidence using the "Money Smart" Financial Education Center.

    Bank On It
    Borrowing Basics
    Charge It Right.
    Keep It Safe
    Loan to Own
    Money Matters
    Pay Yourself First
    To Your Credit
    Your Own Home
    Guide to Credit Cards
    Guide For Young Adults
    Guide For Seniors & Families

Consumer Awareness

Debt-to-Income Ratio Information

Discover how much of your income goes to credit payments. Complete the form below to get an idea of your debt-to-income ratio. And when you are done, you can create a family budget using this spreadsheet!

Monthly Payment Obligations Example Yours

Mortgage (Including Taxes and Insurance)

$520

Store Credit Cards

$100

Bank Credit Cards

$40

Cars

$185

Student Loans

$50

Other Monthly Loans

$85

Total Monthly Debt

$980

Gross Monthly Income

$3,000

Debt-to-Income Ratio

33%

How do you compare?

DTI	Considered
0-20%	Good
20-30%	Moderate
31-40%	Getting High
>40%	High - Look for ways to reduce your debt obligations