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Terms and Conditions
Merrick Bank will establish your initial credit limit and mail you the card you request ("Card") upon approval of your Online Application, in accordance with the terms set forth below. You agree that if you sign the Card or use your Account or the Card to obtain credit, that will constitute acceptance of the Cardholder Agreement that will be provided to you with your Card, which is governed by both Utah law and applicable Federal law.
Security Deposit
If your application is approved, the initial credit limit assigned to the Account will be equal to the amount of your security deposit, which can be between $200 and $3,000. The application submitted will not be complete until funds from the security deposit have been collected by Merrick Bank. Funds must be received within 30 days to complete the application process, incomplete applications will be declined. Approved applicants will not be allowed to make transactions using the security deposit account. The security deposit does not earn interest and will be available for withdrawal only after your credit card account has been closed and all amounts owing have been paid in full.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
18.70%  Your APR will vary with the market based on the Prime Rate.*
APR for Cash Advances
23.70%  Your APR will vary with the market based on the Prime Rate.*
Paying Interest
Your Payment Due Date is at least 25 days after the close of each Billing Cycle. We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date each month. We will begin charging interest on Cash Advances on the transaction date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
http://www.​consumerfinance.gov​/learnmore/
Fees
Set-up and Maintenance Fees
NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. For example, if your minimum credit limit is $200, your initial available credit limit will be only about $164.
Annual Fee
$36 the first year. Billed $3 per month thereafter.
Account Set-up Fee
$0
Transaction Fees
 
Cash Advance
Either $10 or 4% of the amount of each cash advance, whichever is greater.
Foreign Transaction
2% of each transaction in U.S. Dollars.
Penalty Fees
 
Late Payment
Up to $38
Over Limit
$0
Returned Payment
Up to $38
How We Will Calculate Your Balance: We use a method called "average daily balances (including new purchases)." See your Cardholder Agreement for more details.
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
 
Annual Percentage Rates: Daily Periodic Rate for Purchases 0.05123%; Daily Periodic Rate for Cash Advances 0.06493%.
 
Variable Rate Information: Purchase Margin 14.20 percentage points; Cash Advance Margin 19.20 percentage points. Your APR for Purchases and Cash Advances may vary. The rate is determined by adding the appropriate margin shown to the Prime Rate*. If the Prime Rate* increases, your APR will increase accordingly, with no cap. An increase in your APR will result in an increase of your minimum payment amount.
*"Prime Rate" means the prime rate of interest published on the last business day of each month in The Wall Street Journal (or a comparable rate if The Wall Street Journal ceases publication).
 
Minimum Payment: All past-due amounts, any Annual Fee billed monthly, any Additional Card Fee billed monthly plus the greater of the following amounts: (i) 1% of your New Balance plus Late Fees, Cash Advance Transaction Fees, Over Limit Fees, Returned Payment Fees, and Interest Charges billed during the billing cycle for which the Minimum Payment is calculated, as shown on that periodic statement, rounded to the next-higher dollar; or (ii) $35. If the New Balance is less than $35, the Minimum Payment will be the total amount owed.
 
The information about the costs of the card described in this solicitation is accurate as of February 1, 2018. Given the changing interest rate environment, this information may have changed after that date. To find out what may have changed, and to get the most current rates, please write to us at Merrick Bank, P.O. Box 5000, Draper, Utah 84020-5000. Subject to applicable law, the Cardholder Agreement also permits Merrick Bank to make changes to the Terms and Conditions of the Account after the account is opened.
 
If you are a married applicant, you may apply for credit in your own name.

California Residents: A married applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Illinois Residents: No applicant may be denied a credit card on account of race, religion, national origin, ancestry, age (between 40 and 70), sex, marital status, physical or mental handicap unrelated to the ability to pay or unfavorable discharge from military service. The applicant may request the reason for rejection of his or her application for a credit card. No person need reapply for a credit card solely because of a change in marital status unless the change has caused a deterioration in the person's financial position. A person may hold a credit card in any name permitted by law that he or she regularly uses or is known by, so long as no fraud is intended thereby.

Maryland Residents: Interest charges will be imposed on the outstanding balances from month to month in amounts or at rates not in excess of those permitted by law. You have the right under Maryland Commercial Law Code Section 12-510 to receive an answer to a written inquiry concerning the status of your account.

If you have any questions, you may contact Merrick Bank Customer Service at 1-877-727-6885.

New York Residents: Merrick Bank may obtain consumer reports on you in connection with an update, renewal or extension for which you have applied. Upon request, we will inform you whether or not we requested a consumer report on you and the name and address of the consumer agency that furnished the report. New York residents may contact the New York state department of financial services by telephone at 1-800-342-3736 or visit its website at www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.

Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that credit-reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Wisconsin Residents: This offer is not valid for residents of Wisconsin.

Member FDIC

STEP 1 Personal Information

Fields marked with * are required
Providing the above information conveys express written consent for Merrick Bank to contact me, including by use of auto-dialers and other automated means, in connection with my Account, at the phone numbers and Email address provided by me.
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STEP 2 Financial Information

Fields marked with * are required
Summary:


Alimony, child support, or separate maintenance income need not be disclosed unless you want it to be considered as a basis for determining creditworthiness.
Annual income information should be reported as gross income.




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STEP 3 E-Sign Disclosure


You have expressed an interest to Merrick Bank ("we" or "us") in applying for a credit card by completing, signing and delivering back to us the credit card application form, (which we refer to, collectively, as the "Application Packet"). Below is information regarding your receiving, signing and delivering to us the Application Packet electronically. If you agree to these terms and conditions, please confirm that to us as described below.

This E-Sign Disclosure and Consent ("Disclosure") applies to all Communications for those products, services and Accounts offered or accessible through or by us that are not otherwise governed by the terms and conditions of an electronic disclosure and consent. PLEASE NOTE: Consenting to receive Communications under this Disclosure will not automatically enroll you in our Paperless Statements program. You must complete a separate online enrollment to stop receiving by US Mail paper account statements.

The words "you" and "your" mean you, the individual(s) or entity identified on the Application Packet or Account(s). As used in this Disclosure, "Account" means the credit card, installment loan, or deposit account you have with us. "Communication" means this Application Packet, any customer agreements or amendments thereto, monthly billing or account statements, tax statements, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product, service or Account, including but not limited to information that we are required by law to provide to you in writing.

1. Scope of Communications to be Provided in Electronic Form

You agree that we may provide you with any Communications that we may choose to make available in electronic format, to the extent allowed by law, and that we may discontinue sending paper Communication to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

  • All legal and regulatory disclosures and communications associated with the Account or the product or service available through Online Banking for your Account. As an example, we may choose to send by email legally required notification of changes to terms and conditions related to use of our Cardholder Center.
  • Notices or disclosures about a change in the terms of your Account or associated payment feature and responses to claims.
  • Privacy policies and notices.
  • Monthly (or other periodic) billing or account statements for your Account(s) or such other Communications that we may include from time to time as part of the enrollment in our Paperless Statement program ("Paperless Statements").

2. Method of Providing Communications to You in Electronic Form

All Communications that we provide to you in electronic form will be provided either (1) via email, (2) by access to a web site that we will designate in an email notice we send to you at the time the information is available, (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose, or (4) by requesting you download an electronic PDF file containing the Communication.

3. How to Withdraw Consent

You may withdraw your consent to receive Communications in electronic form by calling us at 1-800-253-2322 (toll free) or 1-516-224-1762. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

4. How to Update Your Records

It is your responsibility to provide us with true, accurate and complete email address, contact, and other information related to the Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your email address) through the Cardholder Center, by calling us at either 1-800-253-2322 (toll free) or 1-516-224-1762.

5. Hardware and Software Requirements

In order to access, view, and retain electronic Communications that we make available to you, you must have:

  • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit;
  • An email account with an Internet service provider and email software that enables you to view email in either plain text format or html format;
  • A personal computer with sufficient processing capacity, operating system and telecommunications connections to the Internet capable of receiving, accessing, displaying, and either printing or storing Communications received from us in electronic form via a plain text-formatted email or by access to our web site using one of the browsers specified below.
  • Software (typically Adobe Acrobat Reader) that enables you to view and print files in Portable Document Format (.pdf).
  • An Internet browser that supports 128 bit encryption.


6. Requesting Paper Copies

We will not send you a paper copy of any Communication which is available electronically from us, unless you request it, or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, call us at either 1-800-253-2322 (toll free) or 1-516-224-1762. We may charge you a reasonable service charge or copying charge, of which we have provided you prior notice, for the delivery of paper copies of any Communication provided to you electronically pursuant to this authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

7. Communications in Writing

All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of this Disclosure and any other Communication that is important to you.

8. Federal Law

You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

9. Termination / Changes

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

10. Acknowledging Your Access and Consent to Receive Materials Electronically

To confirm your access to this information electronically, which will be similar to other electronic notices and disclosures that we will provide to you, please verify that you can access and read this disclosure and that you can print on paper or electronically save this page for your future reference. If you consent to receiving Communications we will provide to you in electronic form as described above, please let us know by consenting below.
Fields marked with * are required
  • I have accessed and read this "E-Sign Disclosure and Consent"
  • I can print the disclosure on paper or save or sent the disclosure to a place where I can print it, for future reference and access: and
  • Until or unless I notify Merrick Bank as described above, I consent to receive from you all Communications through electronic means
confirm to continue
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STEP 4 Summary of Terms

Merrick Bank will establish your initial credit limit and mail you the card you request ("Card") upon approval of your Online Application, in accordance with the terms set forth below. You agree that if you sign the Card or use your Account or the Card to obtain credit, that will constitute acceptance of the Cardholder Agreement that will be provided to you with your Card, which is governed by both Utah law and applicable Federal law.
Security Deposit
If your application is approved, the initial credit limit assigned to the Account will be equal to the amount of your security deposit, which can be between $200 and $3,000. The application submitted will not be complete until funds from the security deposit have been collected by Merrick Bank. Funds must be received within 30 days to complete the application process, incomplete applications will be declined. Approved applicants will not be allowed to make transactions using the security deposit account. The security deposit does not earn interest and will be available for withdrawal only after your credit card account has been closed and all amounts owing have been paid in full.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases
18.70%  Your APR will vary with the market based on the Prime Rate.*
APR for Cash Advances
23.70%  Your APR will vary with the market based on the Prime Rate.*
Paying Interest
Your Payment Due Date is at least 25 days after the close of each Billing Cycle. We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date each month. We will begin charging interest on Cash Advances on the transaction date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
http://www.​consumerfinance.gov​/learnmore/
Fees
Set-up and Maintenance Fees
NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. For example, if your minimum credit limit is $200, your initial available credit limit will be only about $164.
Annual Fee
$36 the first year. Billed $3 per month thereafter.
Account Set-up Fee
$0
Transaction Fees
 
Cash Advance
Either $10 or 4% of the amount of each cash advance, whichever is greater.
Foreign Transaction
2% of each transaction in U.S. Dollars.
Penalty Fees
 
Late Payment
Up to $38
Over Limit
$0
Returned Payment
Up to $38
How We Will Calculate Your Balance: We use a method called "average daily balances (including new purchases)." See your Cardholder Agreement for more details.
 
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
 
Annual Percentage Rates: Daily Periodic Rate for Purchases 0.05123%; Daily Periodic Rate for Cash Advances 0.06493%.
 
Variable Rate Information: Purchase Margin 14.20 percentage points; Cash Advance Margin 19.20 percentage points. Your APR for Purchases and Cash Advances may vary. The rate is determined by adding the appropriate margin shown to the Prime Rate*. If the Prime Rate* increases, your APR will increase accordingly, with no cap. An increase in your APR will result in an increase of your minimum payment amount.
*"Prime Rate" means the prime rate of interest published on the last business day of each month in The Wall Street Journal (or a comparable rate if The Wall Street Journal ceases publication).
 
Minimum Payment: All past-due amounts, any Annual Fee billed monthly, any Additional Card Fee billed monthly plus the greater of the following amounts: (i) 1% of your New Balance plus Late Fees, Cash Advance Transaction Fees, Over Limit Fees, Returned Payment Fees, and Interest Charges billed during the billing cycle for which the Minimum Payment is calculated, as shown on that periodic statement, rounded to the next-higher dollar; or (ii) $35. If the New Balance is less than $35, the Minimum Payment will be the total amount owed.
 
The information about the costs of the card described in this solicitation is accurate as of February 1, 2018. Given the changing interest rate environment, this information may have changed after that date. To find out what may have changed, and to get the most current rates, please write to us at Merrick Bank, P.O. Box 5000, Draper, Utah 84020-5000. Subject to applicable law, the Cardholder Agreement also permits Merrick Bank to make changes to the Terms and Conditions of the Account after the account is opened.
 
If you are a married applicant, you may apply for credit in your own name.

California Residents: A married applicant may apply for a separate account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Illinois Residents: No applicant may be denied a credit card on account of race, religion, national origin, ancestry, age (between 40 and 70), sex, marital status, physical or mental handicap unrelated to the ability to pay or unfavorable discharge from military service. The applicant may request the reason for rejection of his or her application for a credit card. No person need reapply for a credit card solely because of a change in marital status unless the change has caused a deterioration in the person's financial position. A person may hold a credit card in any name permitted by law that he or she regularly uses or is known by, so long as no fraud is intended thereby.

Maryland Residents: Interest charges will be imposed on the outstanding balances from month to month in amounts or at rates not in excess of those permitted by law. You have the right under Maryland Commercial Law Code Section 12-510 to receive an answer to a written inquiry concerning the status of your account.

If you have any questions, you may contact Merrick Bank Customer Service at 1-877-727-6885.

New York Residents: Merrick Bank may obtain consumer reports on you in connection with an update, renewal or extension for which you have applied. Upon request, we will inform you whether or not we requested a consumer report on you and the name and address of the consumer agency that furnished the report. New York residents may contact the New York state department of financial services by telephone at 1-800-342-3736 or visit its website at www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.

Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that credit-reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Wisconsin Residents: This offer is not valid for residents of Wisconsin.

Member FDIC
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STEP 5 Fund Your Account

Fund Using Your Bank Account

Fields marked with * are required

 
By checking the box, I am authorizing you to initiate a debit from my eligible checking or savings account for the amount I have specified. I understand that this authorization will remain in effect until cancelled by you, my depository financial institution, or myself by contacting you at 800-204-5936 before you initiate the debit to my account.

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Other Funding Options

Visit any Western Union®location and have your funds electronically routed to Merrick Bank.
Visit any MoneyGram® location and have your funds electronically routed to Merrick Bank.
Simply mail your Security Deposit Coupon along with your check or money order.
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STEP 6 Application Summary

Please review your information. You may edit any field, if necessary.
Applicant:
DOB:
//
SSN:
Mailing Address:
  
,  
Physical Address:
  
,  
Home Phone:
Mobile Phone:
Work Phone:
Income:
$
Deposit Method:
Mortgage/Rent:
$
Security Deposit Information

Pay to: 
Merrick Bank
Routing Number: 
Account Number: 
Account Type: 
Deposit Amount: 
BY SUBMITTING BELOW, I HEREBY CERTIFY THAT:

(1) I am requesting an account of the type described herein ("Account"), which I understand will be governed by the applicable Cardholder Agreement; (2) All the information I have provided on this Online Application or in connection with it is true, correct and complete, and acknowledge that false statements given in order to obtain an Account may be a crime; (3) Merrick Bank ("Merrick") may obtain consumer credit reports, for any legitimate purpose regarding this online application and/or any account established hereunder, including but not limited to reviewing, modifying, renewing and/or collecting any such action; (4) Merrick can provide and exchange information about me with any source of credit information to which Merrick may apply, including its affiliates; (5) I am at least 18 years old, have a valid Social Security Number, and have a verifiable, physical U.S. home address; (6) If I sign the
Card(s)
or use the Account or the
Card(s)
to obtain credit, I agree to be bound by the terms of the Cardholder Agreement that will be sent to me with my
Card(s)
if this Online Application is approved; (7) By submitting this Online Application to your offices in Utah, I consent to venue and jurisdiction in Utah and that our relationship will be governed by Utah state law and applicable Federal law.

This offer is not valid for: Existing Merrick Bank cardholders, individuals other than the offeree, individuals who are not of legal contracting age in the state in which they reside, residents of Wisconsin, or individuals with foreign addresses.

ACH Terms and Conditions One-Time Online Payment by Electronic Transfer of Funds. I am authorizing you to initiate an ACH Debit from my eligible checking or savings account. I understand that this authority will remain in effect until cancelled in writing by you, my financial institution or me. By submitting this authorization, I represent that I have sufficient funds in my checking or savings account to make this payment.

IF YOU CHOOSE TO SUBMIT YOUR ONLINE APPLICATION, YOU UNDERSTAND AND INTEND THAT BY ENTERING YOUR INITIALS AND CLICKING ON THE "SUBMIT" BUTTON ON THE LAST PAGE OF THE ACCEPTANCE PROCESS IT SHALL OPERATE AS AN ORIGINAL HANDWRITTEN SIGNATURE AND THAT YOU WILL HAVE AGREED TO THE CARDHOLDER TERMS AND CONDITIONS BY SIGNING AND SUBMITTING YOUR CREDIT CARD ONLINE APPLICATION ELECTRONICALLY. BY ENTERING YOUR INITIALS AND CLICKING THE "SUBMIT" BUTTON BELOW, YOU ALSO ACKNOWLEDGE: (1) THAT YOU HAVE READ THIS NOTICE AND HAVE CONSENTED TO SUBMIT YOUR ONLINE APPLICATION AND YOUR SIGNATURE (WHICH SHOWS YOUR AGREEMENT WITH THE TERMS AND CONDITIONS OF THE ONLINE APPLICATION) ELECTRONICALLY; (2) THAT YOU AUTHORIZE MERRICK AND YOUR FINANCIAL INSTITUTION TO CHARGE YOUR ELIGIBLE CHECKING OR SAVINGS ACCCOUNT FOR THE AMOUNT YOU HAVE SELECTED; AND (3) THAT YOU HAVE THE NECESSARY HARDWARE AND SOFTWARE TO REVIEW AND SUBMIT YOUR ONLINE APPLICATION TO MERRICK BANK.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, physical address, date of birth, and other information that will allow us to verify your identity. We may also ask you to provide copies of your driver's license or other identifying documents.
(1) I am requesting an account of the type described herein ("Account"), which I understand will be governed by the applicable Cardholder Agreement; (2) All the information I have provided on this Online Application or in connection with it is true, correct and complete, and acknowledge that false statements given in order to obtain an Account may be a crime; (3) Merrick Bank ("Merrick") may obtain consumer credit reports, for any legitimate purpose regarding this online application and/or any account established hereunder, including but not limited to reviewing, modifying, renewing and/or collecting any such action; (4) Merrick can provide and exchange information about me with any source of credit information to which Merrick may apply, including its affiliates; (5) I am at least 18 years old, have a valid Social Security Number, and have a verifiable, physical U.S. home address; (6) If I sign the
Card(s)
or use the Account or the
Card(s)
to obtain credit, I agree to be bound by the terms of the Cardholder Agreement that will be sent to me with my
Card(s)
if this Online Application is approved; (7) By submitting this Online Application to your offices in Utah, I consent to venue and jurisdiction in Utah and that our relationship will be governed by Utah state law and applicable Federal law.

This offer is not valid for: Existing Merrick Bank cardholders, individuals other than the offeree, individuals who are not of legal contracting age in the state in which they reside, residents of Wisconsin, or individuals with foreign addresses.

IF YOU CHOOSE TO SUBMIT YOUR ONLINE APPLICATION, YOU UNDERSTAND AND INTEND THAT BY ENTERING YOUR INITIALS AND CLICKING ON THE "SUBMIT" BUTTON ON THE LAST PAGE OF THE ACCEPTANCE PROCESS IT SHALL OPERATE AS AN ORIGINAL HANDWRITTEN SIGNATURE AND THAT YOU WILL HAVE AGREED TO THE CARDHOLDER TERMS AND CONDITIONS BY SIGNING AND SUBMITTING YOUR CREDIT CARD ONLINE APPLICATION ELECTRONICALLY. BY ENTERING YOUR INITIALS AND CLICKING THE "SUBMIT" BUTTON BELOW, YOU ALSO ACKNOWLEDGE: (1) THAT YOU HAVE READ THIS NOTICE AND HAVE CONSENTED TO SUBMIT YOUR ONLINE APPLICATION AND YOUR SIGNATURE (WHICH SHOWS YOUR AGREEMENT WITH THE TERMS AND CONDITIONS OF THE ONLINE APPLICATION) ELECTRONICALLY; (2) THAT YOU AUTHORIZE MERRICK AND YOUR FINANCIAL INSTITUTION TO CHARGE YOUR ELIGIBLE CHECKING OR SAVINGS ACCCOUNT FOR THE AMOUNT YOU HAVE SELECTED; AND (3) THAT YOU HAVE THE NECESSARY HARDWARE AND SOFTWARE TO REVIEW AND SUBMIT YOUR ONLINE APPLICATION TO MERRICK BANK.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, physical address, date of birth, and other information that will allow us to verify your identity. We may also ask you to provide copies of your driver's license or other identifying documents.


By clicking the “Submit” button below, you are submitting your request for a Merrick Bank Visa Credit Card and certify that you have read and agree to the Terms and Conditions above.
By clicking the "Submit" button below, you are submitting your request for a Merrick Bank Secured Visa Card and certify that you have read and agree to the Terms and Conditions above.

Type Initials to Confirm