Merrick Bank operates as an online bank with no physical branch locations
Merrick Bank does not have walk-in branches. The bank is entirely online, meaning you open accounts, deposit money, and manage your account through their website or mobile app. If you need to speak with someone, you contact them by phone, email, or through their website's messaging system — not by visiting a building.
The bank's corporate headquarters is in Salt Lake City, Utah, but this is an administrative office, not a place where customers go. Merrick Bank is a subsidiary of Customers Bancorp, a larger financial institution, and operates under federal banking regulations.
If you are used to banking in person at a physical location, an online-only bank works differently. You deposit checks by photographing them with your phone and uploading the image through the app — a process called mobile check deposit. You withdraw money at ATMs that accept your debit card, or you transfer funds to another bank account you own. There is no teller window.
Key Takeaways
- Merrick Bank has no physical branches; it is an online bank you access through a website or mobile app.
- The bank's headquarters in Salt Lake City is not open to customers and handles only administrative work.
- You can reach customer service by phone, email, or through the bank's website messaging system during business hours.
- Deposits happen through mobile check deposit (photographing checks with your phone) or electronic transfers, not at a counter.
- Withdrawals come from ATMs nationwide or by transferring money to another bank account you control.
How to contact Merrick Bank customer service
Merrick Bank's customer service phone number is available on their website. When you call, you reach a representative who can answer questions about your account, help you set up services, or troubleshoot problems. Phone lines are typically open during standard business hours, Monday through Friday.
You can also contact the bank through their website by logging into your account and using their find messaging system. This method is useful if you prefer written communication or have a question that is not urgent. Email is another option, though phone is usually faster for when ready issues.
If you have a complaint or dispute that customer service cannot resolve, Merrick Bank has a formal complaint process. The bank is regulated by the Office of the Comptroller of the Currency (OCC), a federal agency that oversees national banks. You can file a complaint with the OCC if you believe the bank has treated you unfairly.
What to expect when you open an account online
Opening a Merrick Bank account happens entirely on their website or app. You provide personal information, verify your identity (usually by answering security questions or uploading a photo ID), and choose the type of account you want. The process typically takes 10 to 15 minutes.
Once your account is open, the bank sends you a debit card by mail, which usually arrives within 5 to 10 business days. Until the card arrives, you can transfer money electronically to pay bills or move funds to another account. You cannot withdraw cash until you have the card or set up ATM access.
Merrick Bank offers checking accounts and savings accounts. Some accounts have monthly fees; others do not. The bank also offers secured credit cards, which are designed for people building or rebuilding credit. Read the account terms before opening to understand any fees and what services are included.
Using ATMs and making deposits without a branch
Merrick Bank does not own ATM machines, but your debit card works at ATMs nationwide that are part of larger networks. You can withdraw cash at most ATMs in grocery stores, gas stations, and other locations. Some ATMs charge a fee if they are not part of your bank's network; Merrick Bank may or may not reimburse these fees depending on your account type.
To deposit a check without visiting a branch, use mobile check deposit through the Merrick Bank app. You photograph the front and back of the check, enter the amount, and submit it. The bank processes the image and credits your account. Funds from mobile deposits usually appear in your account within one to two business days.
If you receive cash and need to deposit it, you cannot do so directly with Merrick Bank. Instead, you would deposit the cash at another bank's ATM (if they accept cash deposits) or transfer money from another account you own. This is one limitation of banking entirely online.
Why Merrick Bank is online-only
Online banks like Merrick Bank have lower overhead costs than banks with physical branches. They do not pay rent for buildings, hire tellers, or maintain branch staff. These savings are sometimes passed to customers through lower fees or higher interest rates on savings accounts.
Online banking also means the bank can serve customers across the entire country without needing a branch in every state. You can open an account from anywhere and manage it from your phone, which is convenient if you travel or move frequently.
The trade-off is that you cannot walk in and speak to someone face-to-face. If you strongly prefer in-person banking, a traditional bank with branches may be a better fit. But if you are comfortable with technology and do not need to visit a physical location, an online bank can work well.
Frequently Asked Questions
Can I deposit cash at a Merrick Bank location?
Merrick Bank has no physical locations, so you cannot deposit cash there. You would need to deposit cash at another bank or use a cash transfer service. Some customers deposit cash at a different bank and then transfer the funds electronically to Merrick Bank.
What if I need to speak to someone in person?
Merrick Bank does not offer in-person service. All communication happens by phone, email, or through their website. If you need face-to-face banking, you would need to use a traditional bank with branches in your area.
Is Merrick Bank a real bank or a scam?
Merrick Bank is a legitimate, federally regulated bank. It is a subsidiary of Customers Bancorp and is insured by the Federal Deposit Insurance Corporation (FDIC), which means your deposits are protected up to $250,000 per account type. You can verify the bank's status on the FDIC website.
How do I know if Merrick Bank is safe?
Merrick Bank is regulated by the Office of the Comptroller of the Currency and insured by the FDIC. These are the same protections that explore to traditional banks with branches. Your account information is encrypted when you log in online, similar to other banks.
Can I transfer money from Merrick Bank to another bank?
Yes. You can set up electronic transfers to move money from your Merrick Bank account to another bank account you own. This usually takes one to three business days. You provide the other bank's routing number and your account number to set up the transfer.