Frequently Asked Questions

Online Bill Payment Help Return to the Cardholder Center FAQs

  • What is the Online Bill Pay service?
  • How does the Online Bill Pay service work?
  • What must I do to use Online Bill Pay?
  • Do I need to have a valid email address to use Online Bill Pay?
  • Do I have to accept the Online Payment terms and Conditions to use the Online Bill Pay service?
  • What is a Payment Account?
  • How do I make a One-Time Payment to my account?
  • What are Recurring Payments?
  • How do I set up Recurring Payments?
  • Can I review my online Payment History?
  • Can I edit or cancel scheduled payments?
  • Will I continue to receive my Merrick Bank Account Statement in the mail if I enroll in the Online Bill Pay service and pay my Merrick Bank account online?
  • Do I have to make all my payments online if I enroll in the Online Bill Pay service?
  • What do you mean by Default Payment Account?
  • How can I edit Payment Account Information?
  • How can I delete a Payment Account?
  • Who can I contact for further assistance?
  • Questions and Answers:

    1. Q: What is the Online Bill Pay service?
      A. The Online Bill Pay service enables you to view your Current Account Summary and schedule, view, edit and cancel one-time and recurring payments toward your Merrick Bank balance.

      Top of Page

    2. Q: How does the Online Bill Pay service work?
      A. The Online Bill Pay service passes your online payment and bank information over a secured Internet connection to a secured server. After verification, your online payment information is sent electronically to your bank on the Payment Date you specify.

      Top of Page

    3. Q: What must I do to use Online Bill Pay?
      A. Prior to scheduling your first Merrick Bank online payment through the Online Bill Pay service, you will need to enroll in the service and agree to receive the Online Payment Terms and Conditions electronically and agree to basic payment terms and conditions.

      After you have enrolled in Online Bill Pay, you must set up one or more Payment Accounts from which your online payments will be paid.

      Top of Page

    4. Q: Do I need to have a valid email address to use Online Bill Pay?
      A. Yes. A valid email address is required to use the Online Bill Pay service. Please make sure that your email address, as displayed on the top of each page, is correct. If it is not, please select the Update Your Email Address link next to the current email address listed at the top of each page.

      Top of Page

    5. Q: Do I have to accept the Online Payment terms and Conditions to use the Online Bill Pay service?
      A. Yes. Please read the Online Payment Terms and Conditions page carefully to understand the terms and conditions that apply to your use of the Merrick Bank Online Bill Pay service. If you agree to the terms and conditions, select I ACCEPT to continue to enroll in the Online Bill Pay service. If you select I DO NOT ACCEPT, you will not be able to enroll and schedule payments through the Online Bill Pay service.

      Top of Page

    6. Q: What is a Payment Account?
      A. A Payment Account is the checking or savings account you will use to make online payments to your account. When you set up a Payment Account, you will need to know your checking or savings account number, the type of account (checking or savings) and your bank's routing/transit number. You will also be able to assign your Payment Account a nickname to easily reference that account. The information you provide will be securely stored and you will not have to re-enter your primary bank name, routing/transit number and bank account number every time you schedule a payment. You can also set up as many Payment Accounts as you'd like.

      Top of Page

    7. Q: How do I make a One-Time Payment to my account?
      A. Select Make One-Time Payment from the Online Bill Pay screen. Then, from the drop down box, choose which Payment Account you want the payment to be made from. From there, you must choose the amount you want to pay to your account. You can choose to pay the Minimum Payment Due, the Current Account Balance or another amount as long as it is at least $15.00 and does not exceed your current account balance. Then, choose the date you would like to have the payment posted to your account and click Continue. You will be presented with an overview page, which enables you to review, edit, cancel or submit your payment and associated Payment Account information. Any time you submit a payment, please print the Thank You page for future reference.

      Please Note: You will not be able to have payments processed using the Online Bill Pay service more than once in any 24-hour period and you may not schedule an online payment to be processed more than 30 days in advance.

      Top of Page

    8. Q: What are Recurring Payments?
      A. Recurring payments are when the amount, day and frequency that you pay your account remain the same each month. Recurring payments are processed each month until your requested stop date, if any.

      Top of Page

    9. Q: How do I set up Recurring Payments?
      A. From the Online Bill Pay screen, choose Set Up Recurring Payments. Once there, choose the Payment Account you would like the payments to be made from and what payment amount you would like to set up (Minimum Payment Due or Ending Balance on Statement). All recurring payments will be posted on your Payment Due Date each month. If you wish, you can schedule a Stop Date for Recurring Payments. Then, click Continue. You will be presented with an overview page, which enables you to review, edit, cancel or submit your recurring payment and associated Payment Account information. Any time you schedule a recurring payment, please print the Thank You page for future reference.

      Top of Page

    10. Q: Can I review my online Payment History?
      A. Yes. Go to Online Bill Pay and select Manage Scheduled/Pending/Completed Payments. You will be presented with a log of all Scheduled and Completed One-Time and Recurring Payments.

      Top of Page

    11. Q: Can I edit or cancel scheduled payments?
      A. Yes. On the Online Bill Pay page, choose Manage Scheduled/Pending/Completed Payments. On the Payment History screen, you will be presented with a log of completed, pending and scheduled payments. If a payment is pending or completed, no changes can be made to the payment. However, to change a scheduled payment, click on the word Payment next to the date of the payment you'd like to change. You will then be presented with options to either edit the payments schedule or completely cancel the recurring payment that has been set up. If you'd like to change the recurring payment schedule, choose Edit this Payment's Schedule. If you want to completely stop all upcoming recurring payments, choose Cancel this Payment's Entire Schedule.

      Top of Page

    12. Q: Will I continue to receive my Merrick Bank Account Statement in the mail if I enroll in the Online Bill Pay service and pay my Merrick Bank account online?
      A. Yes. You will continue to receive your statements in the mail. The payments scheduled and processed through the Online Bill Pay service will be reflected on your statement just like any other transaction you make on your Merrick Bank account.

      Top of Page

    13. Q: Do I have to make all my payments online if I enroll in the Online Bill Pay service?
      A. No. You can make payments online, over the phone, or by sending in a check, cashier's check or money order through the mail. If you make your payment by mail, please remit the payment portion of your statement with your payment to: Merrick Bank, Payment Processing Center, PO Box 30537, Tampa, FL 33630-3537. Please remember to allow 7-10 business days for processing.

      Top of Page

    14. Q: What do you mean by Default Payment Account?
      A. The Default Payment Account is the first checking or savings account you entered and submitted through the Online Bill Pay service and it will be the default bank account for payments scheduled in the future unless you select a different account when making One-Time Payments or scheduling Recurring Payments.

      Top of Page

    15. Q: How can I edit Payment Account Information?
      A. You can edit your Payment Account information by going to the Online Bill Pay screen, selecting the Payment Account you'd like to change and clicking on Edit. Then, you can update or change information associated with that Payment Account. After you have made your required changes, click Save to complete the update. Payments scheduled after the primary bank account is edited will default to the updated Bank Information. However, for each scheduled payment, you are able to override the Payment Account details to another Payment Account if you choose.

      Top of Page

    16. Q: How can I delete a Payment Account?
      A. You can remove an account by selecting that account and clicking on Remove. Then, confirm your choice to delete the Payment Account. Please note that all One-Time and Recurring Payments set up using that Payment Account will no longer occur after the Payment Account is deleted.

      Top of Page

    17. Q: Who can I contact for further assistance?
      A. If you have questions, please select call Customer Service at 1-877-790-5648.

      Top of Page