Merrick Bank

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank that operates as part of CardWorks, Inc., a diversified consumer finance service provider. The bank operates three main business lines: credit cards, recreational lending, and merchant services. Through its parent company CardWorks, the organization provides end-to-end operational servicing functions for credit cards, secured cards, and installment loans, servicing consumer and small business loans across the credit spectrum.

The bank offers specialized lending solutions through its recreational lending business, providing secured installment loans through dealer partners for RVs, boats, trailers, and similar products. Additionally, its Flow Lending business purchases consumer loan assets originated and serviced by other lenders. The bank emphasizes building meaningful, long-term relationships with consumers, employees, and clients as central to its mission.