Complaint / review text:
On three different occasions when I have paid my credit card bill online, my "check" have been returned. The online website has a dropdown to pick the date you want to pay your bill. I always choose either the day I am paying it or the next day. I then later check my online account and the payment shows as being paid with a confirmation number. On three occasions, I later get a statement from Merrick Bank saying my "check" has been returned for insufficient funds. Upon looking at my bank account, it shows that it was at least a week after I scheduled my payment that it was taken out of my account.
I then called Merrick Bank and asked, "why do you have a date for something to be paid if you are not going to take it out of my bank account on that day?" Merrick Bank claims they do. I can attest that they don't. I make my payments out of a business account that three others also use so day to day, it's easy to not overdraw it but after waiting several days, this causes an overdraft. Wouldn't mind it if the Merrick Bank website said "pending payment" but it says "payment" with date 7 confirmation number on it.
Merrick Bank will NOT check this matter out. They claim it is taken out on the day you put you want to pay. I'm extremely upset with them. I have three other credit cards and they all come out on the date you put in!!! If you are on a bank account with more than yourself & aren't the one who keeps the bank book, it's best if you choose another credit card company cause this one has some major kinks! And they are NOT willing to work on it & take no responsibility!!!