CardWorks Financial Group is a diversified consumer finance provider that brings Merrick Bank, CardWorks Servicing, and Carson Smithfield together as an integrated enterprise. Its mission is to support financial progress through ethical solutions across credit, lending, and the customer lifecycle, with a focus on consumers and businesses that may be overlooked by larger financial institutions.

Through Merrick Bank, the group offers consumer credit products, deposit accounts, and merchant services. CardWorks Servicing provides credit card and loan portfolio management and servicing, while Carson Smithfield specializes in post-charge-off debt servicing. Together, these businesses combine banking, lending, and account servicing capabilities within a vertically integrated platform.

CardWorks Financial Group emphasizes disciplined growth, regulatory integrity, rigorous risk management, and long-term customer value. Its approach is supported by proprietary data, operational expertise, and the advantages of a bank charter. The group serves consumers as well as merchant and lending partners, aiming to make consumer credit more accessible, fair, clear, and convenient.