Account (US)
How to start banking with Merrick Bank?
Merrick Bank specializes in helping people to build or rebuild credit history. So you can apply for its financial products and services without a perfect credit score!
Merrick Bank: build your credit history with its financial products!
Merrick Bank offers many types of financial products, including acquiring services to help to develop and grow your business.
It features secured and unsecured credit cards with low rates and reasonable fees. Plus, recreation and personal loans of up to $12,500 with fair costs.
In addition, you don’t need to prove a perfect credit score to apply for its products and services. In fact, all products focus on helping people to build or rebuild credit history and get back on their financial track.
Check out how to apply for Merrick Bank!
Apply for the credit cards
Applying for a traditional credit card might be challenging when you don’t have a perfect credit score. Not if you apply for a Merrick secured or unsecured card.
Then, access the Merrick Bank website and select the Products tab. Click on Our Cards and choose which fits your needs better.
Note that you need an Acceptance Certificate Number for some of them before applying for one.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Apply for the loans
Whether you need money for a home improvement, pay for medical expenses, or even purchase a trailer to travel, you may apply for a Merrick recreation or personal loan.
So, access the bank website and select the Products tab. Click on Recreation or Personal Loans, and enter Check my Offer.
You will need to provide your income, personal, employment, and financial information.
Merrick Bank vs. Discover Bank
If you are searching for the best financial institution to bank with, we present Merrick Bank and Discover to you.
Check out the comparison table below to decide which one is right for you!
| Merrick Bank | Discover Bank | |
| Financial products and services offered | Unsecured and secured cards, recreation and personal loans, Certificates of deposit, Acquiring Services | Checking account, Savings, Certificate of Deposit, Money Market account, Retirement accounts (IRA Certificate of Deposit and IRA Savings Account), Credit cards, and loans |
| Fees | Fees apply to all financial products described. See terms and conditions. | None |
| Minimum balance | Minimum $25,000 for CDs; Secured cards require a minimum initial deposit | None |
How to start banking with Discover Bank?
An account designed for you with Discover Online Banking! Check out how to apply for an account or any other product it offers.
About the author / Aline Augusto
Reviewed by / Aline Barbosa
Senior Editor
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