What information is on the Account Summary page?

Account Summary shows you a current summary of your Merrick Bank account information including: Account Balance; Credit Available; Cash Advance; Credit Limit; Minimum Payment Due; Payment Due Date; Last Payment Amount; Dispute Information; and Recent Transaction information.

I have an Account Notification. What is this?

When you have an Account Notification, it means that an automated message has been sent to you regarding your account. To view the message, just click on the link "Account Notification."

How recent are the Recent Transactions?

Recent transactions are transactions that have posted to your account after your last statement closing date, but before the date and time shown on the Account Summary page. Select View Recent Transactions to see transactions sorted by transaction date. To hide your recent transactions, select Hide Recent Transactions.

What is Switch to Category View?

All transactions are assigned a standard expense category as set forth by Visa and Mastercard (i.e. Auto Related, Travel, Clothing, etc.) based on the merchant. Most financial management software can sort your transactions based on the expense category. When you select Switch to Category View, your transactions will be grouped by these categories. To switch back, please choose Switch to Normal View from the Statements page.

How do I download transactions?

To download transactions, select a format from Download Transactions. You can download transactions to your computer to use with spreadsheet or database programs. Downloaded transaction files will not automatically be imported into your software. First, save the file. Then, import it through your software application. If you are not sure how to do this, check your software's help files.

What format should I use to download transactions?

The format you should choose depends on the software you are using. For example, .CSV (comma-separated text) or .DAT (tab-separated text) should be chosen if you are using Microsoft® Excel or another spreadsheet or database program. Check your software's help files to see which format will work best.

What are the descriptions for the fields on the Account Summary page?

• Current Account Balance: Current balance of account.
• Credit Available: The unused portion of credit that falls within your credit limit, if any.
• Cash Advance Credit Limit: The maximum amount of cash advance access assigned to the account.
• Cash Advance Credit Available: The unused portion of credit that falls within your credit limit that is available for taking cash advances, if any.
• Total Credit Limit: The maximum amount of credit assigned to the account that can be used for purchases and cash advances.
• Number of Items in Dispute: The total number of transactions that are currently being disputed by the cardholder.
• Dollar Amount of Disputed Items: The total dollar amount of all transactions that are currently being disputed by the cardholder.
• Minimum Payment Due: The smallest amount you can pay on your account. This amount must be received by the Payment Due Date to avoid having additional fees charged to your account.
• Payment Due Date: The date when Minimum Payment Due must be received in order to avoid having a Late Fee assessed on your account.
• Last Payment Amount: The dollar amount of the last payment you made to your account.
• Last Payment Credited On: The date your last payment was received and posted to your account.
• Amount Past Due: The current dollar amount delinquent on your account.
• Recent Transactions: Transactions that have posted to your account after your last statement closing date but before the date and time shown on the top of the Account Summary page. These transactions will appear on your next statement.
• Transaction Date: The date on which a transaction occurred.
• Posting Date:  The date when the cash advance, purchase, or payment was processed.