Customer Service FAQs
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- My debit card expired and I received a replacement; how do I activate it?
- You may remove and disregard the sticker on your replacement debit card. A renewal debit card comes already activated and does not require any form of activation.
- My debit card is about to expire, when can I expect a new card?
- Your card is valid until the end of the month and year embossed on the card. Your debit card will automatically renew and be mailed to your address. You can expect to receive your card before the end of the month it expires.
- How do I activate my debit card?
- You may activate your debit card through FirstMerit's automated FirstLine phone service or by completing any transaction at any ATM. However, fees may apply for transactions through non-FirstMerit ATMs. In both cases, you will need the 4-digit PIN that we mailed to you separately. If you do not have the PIN we mailed, please visit your local FirstMerit branch or call us at 888-554-4362.
- I didn’t get any money out of the ATM but it still took the money out of my account. What do I do?
- ATMs are generally programmed to authorize funds before dispensing cash. When funds are authorized, a hold is placed on your account in the amount of the expected withdrawal. If funds were not dispensed, ATMs are designed to automatically remove holds at the end of the business day. If the transaction was attempted on a Saturday or Sunday, the hold will fall off at the end of business on Monday. If the transaction posts to your account, please stop in to any FirstMerit branch to file a dispute for the transaction.
- I made a purchase and it was taken out of my account twice. What do I do?
- If the duplicate charge that appears on your account is currently a hold we can request the hold be removed. You can identify holds in your Online Banking account activity as they will display the current date or Saturday’s date on a Sunday. We will request this hold be removed and the funds should be available before the end of the current or next business day.
However, we cannot prevent the charge from posting if the merchant processes the transaction. If the transaction posts (i.e. the date column displays a previous date that is not a Saturday) please contact the merchant for a refund or stop in to your local FirstMerit branch to file a disput.
- Why is the amount of the purchase in my account activity different than the amount on the receipt?
- Authorization amount may differ from the posted amount. For example, gas stations often authorize $1.00 and restaurant authorizations may vary based on tip.These transactions should post to your account for the correct amount during our nightly processing. If the wrong amount appears in your account detail once the transaction has posted you may contact the merchant for correction or dispute the transaction by filing a legal affidavit at any FirstMerit branch.
- I did not get a debit MasterCard at the time I opened my account but would like one now. How do I request a card?
- The application process for a debit MasterCard requires a signature. You may request this application in person at your local FirstMerit branch. They will process your application and request your card the same day.
If you would prefer a mailed application, please speak with one of our Relationship Bankers at 888.554.4362. Once received and completed, please send the completed and signed application back to us via U.S. Mail or drop it off at any FirstMerit branch. We will order your card once the application is received.
- What should I do if my card becomes damaged or does not function properly?
- Please visit your local FirstMerit branch or call us at 888-554-4362. Any of our representatives would be happy to order a replacement card. As this card will have the same information, there will be no interruption to the function of your current card.
- How do I request a new debit card design?
- You can change your debit card online and request the new debit card by logging into your online banking account and clicking on the debit card link located in the top header. From that page select the card you want changed (if you have more than one), select the new design and submit your request. You should receive your new card within 7-10 business days. If you have already changed the design once then a $5.00 design change fee will be charged to your account.
You may also request a new card design through your local FirstMerit branch or by calling 888-554-4362.
- I opted out of overdraft service, why did I have a debit card transaction post negatively?
- Debit card transactions are approved or declined based on the funds available at the time of the transaction. These authorizations are not changed if the funds later become unavailable. For example, an outstanding paper check may post at the end of the business day, causing the transaction to post negatively. However, if you have opted out of Overdraft Support no fee will be charged for one-time debit card and ATM transactions that post without the funds available.
- What should I do if I did not receive the PIN mailer to activate my new debit card?
- If you did not receive your PIN mailer you can request a new mailer be sent by calling customer service at 888-554-4362. You can also take your card to a branch to be re-pinned (not all branches have this capability, you may want to contact your local branch before visiting).
- How do I change the PIN on my debit MasterCard?
- If you know the current PIN on the card, you may change the PIN by calling 888.554.4362. After calling, wait for the FirstLine automated system. After the welcome message plays select option 2 to activate a card or change the PIN. Next, input the entire card number followed by the # sign then the current 4-digit PIN followed by the # sign. After the system verifies the information, select option 2 to change the PIN.
If you do not know the current PIN, please call 888.554.4362. Any of our relationship bankers would be happy to adequately verify your identity and order a replacement PIN. This PIN would arrive by mail in 3 to 5 business days.
- There is an unauthorized transaction on my account. What do I do?
- Please call us at 888-554-4362 so we may identify the affected card and block it immediately to prevent additional unauthorized transactions for fraud. After this, please visit your local FirstMerit branch and file a legal affidavit to dispute the unauthorized charge.
- I will be traveling and using my debit card. Is there any way to note my account so you don't suspect fraud?
- Please call us at 888-554-4362 to report where and when you will be traveling. We will make note of the information and make all attempts to prevent an interruption of service. However, if you have trouble completing transactions you may reach our Fraud Monitoring Department at 800.622.1361. They are available 24 hours a day, 365 days a year. You may also call our Customer Contact Center at 888.554.4362.
- What should I do if I see fraudulent transactions on my statement?
- If you see fraudulent activity after receiving your credit card statement you should file a dispute using the form on the back of your statement. The dispute form should be mailed to the same address that payments are mailed to along with your payment. If you plan on paying your balance in full you may deduct the amount being disputed and pay the difference. However, you must still make a payment equal to or greater than the minimum payment reported on your statement.
- Can I pay my FirstMerit credit card online?
- FirstMerit allows online payments to FirstMerit bankcards from FirstMerit and non-FirstMerit accounts. To make an online payment from a FirstMerit account, first log in to your Online Banking and go to your account listing. Select the letter “P” icon to the right of your bankcard then select the account to pay from and the payment amount. Payments submitted before 11:45 PM Eastern Time will count as being made that business day.
To pay from a non-FirstMerit account, click on the card number in your Online banking account detail. Next, mouse over the “Payments” option on the left side of the page. For one-time payments, select the “Online Payment” option and enter the payment amount, your checking or savings account routing number, and your checking or savings account number.
For automatic payments, mouse over the “Payments” option then select “Schedule Auto-pay.” Select the radio button next to either “minimum” or “full statement balance”, enter your account and routing number, and click submit. You may also use either of these options to make payments using a FirstMerit checking or savings account.
- Can I change the date my FirstMerit credit card payment is due?
- In order to change your payment due date, you will need to provide the request in writing by mail or fax to our Bankcard Department. The communication must include your name, card number, and a preferred daytime contact number in addition to a short request stating the new due date you would prefer. The letter can be faxed to 330.479.7994. The mailing address is:
295 FirstMerit Circle
Akron, OH 44307
You may also complete a form at any FirstMerit branch location.
- Can I set up automatic payments for my FirstMerit credit card?
- If you have access to Internet Banking, click on the card number in your Online banking account detail. Next, mouse over the “Payments” option on the left side of the page then select “Schedule Auto-pay.” Select the radio button next to either “minimum” or “full statement balance”, enter your account and routing number, and click submit.
To set up automatic payments without Internet Banking, you will need to provide the request in writing by mail or fax to our Bankcard Department. The communication must include your name, full card number, and a preferred daytime contact number in addition to a short request stating you would like payments to be taken automatically and whether you would like to pay the minimum payment or full statement balance each month.
If your payment is being drawn from a FirstMerit account, you must include the account number you would like payments drawn from. If payments are being drawn from a non-FirstMerit account, you must include the account number, routing number, and a voided check. The letter can be faxed to 330.479.7994. The mailing address is:
295 FirstMerit Circle
Akron, OH 44307
You may also complete a form at any FirstMerit branch location.
- How can I check the balance on my FirstMerit gift MasterCard?
- You can check your balance and transaction history online at https://www.firstmerit.com/personal/banking/credit-card-accounts/gift-card/index.html. On the first page, enter only the first 8 digits of your Gift Card number. Click “Continue” to move to the next page.
If this is your first visit, select the “Register your card” option at the top of the page and enter the information as requested. If you have already registered, enter your card number and password into the provided fields. You may also obtain information about your card by calling 800-786-8317.
- What is the ReadySpend℠ Prepaid MasterCard®?
- The ReadySpend℠ Prepaid MasterCard® is a general purpose reloadable prepaid card that can be used to make purchases at participating retailers and service providers or to withdraw cash. Each time the card is used, the transaction amount will be deducted from the total.
- Is the ReadySpend℠ Prepaid MasterCard® a credit card?
- No, general purpose reloadable cards are not credit cards. With a general purpose reloadable card there is no credit check required and using the card does not impact your credit score. You simply load the card with your own money and use it where Debit MasterCard® is accepted.
- Where can I get a ReadySpend℠ Prepaid MasterCard®?
- You can get a ReadySpend℠ Prepaid MasterCard® at any FirstMerit branch. The card you receive at the branch will be a temporary card. A permanent card embossed with your name will be sent to you when your temporary card has had two loads, including the initial load.
- Will I need to activate my temporary ReadySpend℠ Prepaid MasterCard® that I received at the branch?
- Yes, you do need to activate the card before you can use it. You can activate your card by calling 866-336-3445.
- How do I activate the permanent card that I received in the mail?
- You can activate your card by calling 866-336-3445. There are instructions for card activation on the card carrier that accompanies your card as well as on the sticker on the front of the card.
- How do I create a PIN?
- You will be prompted to set a PIN when you activate your temporary card by calling 866-336-3445. You will be prompted for the card number and the 3 digit CVV code that can be found on the back of the card. You will also be prompted to set a PIN when you activate your permanent card.
- How do I change my PIN?
- You can change your PIN by calling 866-336-3445 and following the prompts.
- Do I need to keep my temporary card once I receive my permanent ReadySpend℠ Prepaid MasterCard®?
- No, you can dispose of the temporary card once you receive your permanent card in the mail and successfully activate it. The funds from the temporary card are automatically transferred to the permanent card and the temporary card is automatically closed once the permanent card is activated.
- How do I view activity on my card?
- Activity for your card can be viewed at the ReadySpend℠ Prepaid MasterCard® cardholder website at www.firstmerit.com/rsprepaid. You will need to create a unique User ID and password the first time you use the site.
- How can I add money to my ReadySpend℠ Prepaid MasterCard®?
- You can add money to your card at any FirstMerit branch or by setting up a direct deposit.
- Can I use the card to withdraw cash at an ATM?
- Yes, you can withdraw cash at any FirstMerit Bank ATM at no cost to you. There is a $2.00 fee for balance inquiries and/or withdrawing funds from a non-FirstMerit ATM. Additional fees may be charged by the ATM owner.
- How do I get cash at an ATM with my card?
- To withdraw funds from your ReadySpend℠ Prepaid MasterCard® at an ATM, you will need to select the option to withdraw cash from checking. It is important to note that not all ATMs will have the same options, especially outside of the FirstMerit network. Each ATM will provide an option to choose a transaction to “withdraw cash from checking”, however, the wording may be different depending on the ATM you are using.
- Can I set up a direct deposit of my paycheck?
- Yes, you will need to obtain a direct deposit form from your employer. Present the completed, signed form to your company/employer’s payroll department to begin your direct deposit.
- What information do I need to give my employer to load my paycheck directly onto this card?
- You will need to provide your employer with an ACH routing number and an account number. Both of these numbers can be found on the cardholder website at www.firstmerit.com/rsprepaid.
- Can I use my card at the gas pump?
- You may use the ReadySpend℠ Prepaid MasterCard® at gas stations with “pay at the pump” capabilities. If you are unable to complete the transaction at the pump, proceed inside and pay the attendant prior to pumping.
- Can I use the card to pay for hotels or car rentals?
- Yes, but please be aware that some restaurants, hotels or car rental agencies may authorize your card for more than the purchase amount to cover costs such as gratuities, reservations or potential property damages. If you are unsure of a merchant’s policy, it is best to ask before presenting your card as payment. You want to ensure that there are enough funds loaded on the card ahead of time to cover the cost of your bill and any authorizations.
- How long can I use my ReadySpend℠ Prepaid MasterCard®?
- You can make purchases on your card until the balance on the card reaches zero. If you continue to reload your card, it can be used ongoing. When the expiration date on your card is drawing near, a new card will be re-issued to you so there will be no delays in using your card.
- Are there any limits to the amount of money I can load on one card?
- Your ReadySpend℠ Prepaid MasterCard® can hold up to $10,000 at any one time. The maximum amount you can load on your card is $3,000 per day and $10,000 per month.
- Are there any daily limits on ATM withdrawals, point-of-sale transactions or the number of transactions I can make using the card?
- You can withdraw $500 per day from your card at an ATM. The full value on your card is available for point of sale purchases, both pinned and signature based.
- Can I transfer funds from one ReadySpend℠ Prepaid MasterCard® to another?
- If you have more than one ReadySpend℠ card, you can transfer funds between the cards. Transfers can only be done at a FirstMerit Bank branch.