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

    

Questions about the recent CARD Act?

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

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

Financial Education

Bank On It

Bank Services

Banks provide various additional services for free or a low fee with some deposit accounts. It is important to keep track of the fees charged, if any.

The following are common services offered at banks:

  Direct Deposit - With direct deposit, your paychecks or benefits checks are electronically transferred and directly deposited into your account. The amount of money is immediately available Some banks will not charge the monthly fees if direct deposit is used.

  Money Order - A money order is similar to a check. It is used to pay bills or make purchases when cash is not accepted. Many businesses sell money orders for a fee. If you need to use a money order, it is best to shop around for the best price.

  Wire Transfer - This is a method of electronically transferring money from one bank to another.

  Telephone Banking - This allows you to check your account balance by phone. You may also be able to:

  Transfer money between accounts
  Obtain account history, such as most recent deposits or withdrawals
  Stop payment on a check
  Obtain information on branch hours or other information, and
  Report a lost, stolen, or damaged card

  ATM - Use of the ATM requires a card issued by the bank and a personal identification number or PIN. A PIN is a special password or set of numbers to use your ATM card. The PIN is used for security purposes, so no one else can access your account.

  Debit Card - A debit card is a plastic card sometimes called a "Check Card". The debit card has a MasterCard® or Visa® logo and a magnetic strip on the back that allows you to pay for goods and services at stores and other businesses that accept MasterCard or Visa credit cards.

The debit card also functions as an ATM card. With ATM Cards, you can make deposits to or withdrawals from your checking account at ATMs. Most debit cards require a PIN if you use the card as an ATM card.

  Loans - This is money you borrow from a bank with a written promise to pay it back later. Banks charge fees and interest. This is extra money you pay to borrow the money. You can talk to the customer service representative for more information about loans offered at a bank.