Merrick Bank Mobile User Reviews

Merrick Bank Mobile

Merrick Bank

Finance

Reviews Summary

Positive highlights

🤗

This app hasHelpful in rebuilding credit

🔍

This app hasEasy to track credit score and account activity

💳

This app hasDecent starting credit limit

🔄

This app hasAutomatic credit limit increases after 6 months of on-time payments

🤝

This app hasPolite and friendly customer service

🚀

This app hasQuick payment posting

📈

This app hasContributed to improving credit scores

Negative highlights

💰

This app hasHigh interest rates

🔒

This app hasEasily locked out of account due to security measures

🕰️

This app hasSlow in processing payments and updating account information

🤖

This app hasInconsistent and unhelpful customer service

🚫

This app hasDifficulty in cancelling or closing the account

🤔

This app hasUnclear reporting to credit bureaus, sometimes negatively impacting credit scores

🚧

This app hasBuggy and unreliable app with frequent crashes and login issues

Top reviews

Leave a Review Merrick Bank Mobile

Perfection
I have not had one problem with this app. I appreciate how Merrick Bank confirms payments received every time. They also confirm charges that exceed my threshold I set for myself.

Customer service is wonderful. You do not have to go through multiple prompts before you reach a live person. How wonderful.
Show less
Ebonidebra
3 years ago
Don’t get this card.
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.
Show less
6LK KNG
3 years ago
Opening App Issues!
I am having the same issues as Ashley that posted a review. Also, when trying to use the app it gives me a message that my device appears to be offline & to check internet connection. I spent at least 2 hours on the phone yesterday with Merrick & my internet service provider & still no fix! I give up for now! Dissatisfied!

Robert James
Woodstock, GA
Show less
Winwin300
3 years ago
Blank screen
Sometimes the app works well, but other times I get the Merrick logo followed by a blank screen. No amount of waiting or restarting the app helps. Then later that same day, or the next, it works fine. More consistency would be nice.
**** <edit> The blank screen problem only happens when I’m using cellular connection (5G). Connecting through WiFi to my cable modem the app always works. It turns out I use the app most often to check my balance when I’m out and about, so it’s irritating.
Show less
cew60
3 years ago
Issues opening the app
I am having the same issue as someone else who wrote a review. I have always been able to view my account and pay my bill until recently it is just a blank white screen, it won’t let me log in. I have also deleted and re-downloaded and still nothing. Very upsetting and aggravating.
llowe117
3 years ago
Won’t post my review!?!?
Why is someone hiding my review!?

I am absolutely convinced this company does not want responsible card holders. The app is beyond useless, you can’t enroll in autopay or even login to your account online most days. It’s back to the old days of paying your bill over the phone and guessing what your balance/spending habits are.

I will not play this game, Merrick. I’ll take the increased credit availability uptick on my credit report until you close my account for inactivity but your cards already been destroyed.
Show less
Reviewer-guy
3 years ago
Takes forever to release funds
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.
Show less
Big Johnny Gunn
3 years ago
Good
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”!
anthonys list
3 years ago
Great card if you pay it back
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 the app,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
Show less
Javakai
3 years ago
App Works, but needs more
I have no problems with the app 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!
Show less
joetones
4 years ago