Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (2023)

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (1)

Naomi Bishop

Last Updated on: Jul 22, 2021

When online shopping, you don't always have to use your debit or credit card. With some online stores, you can also use your checking account information. Paying with your checking account is a simple process that will allow you more versatility when shopping online. Below, we discuss 10 ways that you can shop online and pay with a checking account. We also talk about the risks of using your checking account information, as well as how to use electronic checks as another alternative.

10 Ways to Pay Online With Your Checking Account

The following is a list of 10 ways that you can use your checking account to pay for items online. This list includes big-name online retailers, such as Amazon, Target, and Bloomingdale’s. Before you get started, you should consider opening a PayPal account. PayPal is an online platform that allows users to shop and pay online. PayPal allows you to store various payment methods, including debit and credit cards, as well as checking account information. Many sellers are connected to the PayPal network, which makes the checkout process quick if you already have your information stored in your PayPal account.

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Overstock Read our review

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QVC Read our review

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Nordstrom Read our review

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  • 10 Ways to Pay Online With Your Checking Account
    • Pay With Bank Transfers and E-Checks at Overstock
    • Shop Deals at Macy’s With Your PayPal Account
    • Pay With Your Checking Account on Amazon
    • Best Buy Allows You to Pay With Electronic Checks
    • Shop at Foot Locker With Apple Pay
    • Pay With a Traditional Paper Check at QVC
    • Electronic Checks Are Accepted at Nordstrom
    • Pay for Marketing Products via Electronic Check at Vistaprint
    • Bloomingdale’s Is Part of the PayPal Network
  • Are There Risks to Paying With Your Checking Account?
  • Online Shopping With Electronic Checks
  • Final Thoughts on Using Your Checking Account to Shop Online

Pay With Bank Transfers and E-Checks at Overstock

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (12)

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (13)

Overstock Learn More

Customers love to shop at Overstock because of the great deals that they can find on clothing, accessories, toys, and home goods. With its option to pay via electronic check, Overstock makes shopping online without a debit or credit card easy. In addition to accepting electronic check payments, Overstock also welcomes bank transfers as a form of payment online. Because you can pay with an electronic check, Overstock is a great seller to use if you want to gift somebody and pay for their purchase.

Shop Deals at Macy’s With Your PayPal Account

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (14)

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (15)

Macy’s Learn More

If you have a PayPal account, you can link your checking account to your profile. This means that you will have it ready to use when you shop at Macy’s. Once you’re done shopping and putting items in your cart, Macy’s will give you the option to finish the checkout process through PayPal. Once you click PayPal, you will log in to your PayPal account and choose your checking account as your method of payment. Once approved, you’ll be redirected back to Macy’s to finalize and confirm your order. You will receive a confirmation email from both Macy’s and PayPal, confirming the order was paid for and processed.

Pay With Your Checking Account on Amazon

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (16)

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (17)

Amazon Learn More

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If you have an Amazon account and a ACH-approved checking account, you can store your checking account information in your profile. You should note that foreign accounts outside of the United States will not be accepted. In addition, Amazon will only allow you to use a checking account for payment purposes. This means that it cannot be a savings or business account. Once you’ve stored your checking account info, along with valid state identification, you will be able to purchase items on Amazon with your checking account. You can also easily change this information, in the event that you switch banks and get a new account.

Best Buy Allows You to Pay With Electronic Checks

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (18)

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (19)

Best Buy Learn More

Electronic checks are another quick and easy way to pay with your checking account. If you are unsure of what electronic checks are, and how retailers accept them, read our section below on the basics of electronic checks. To pay Best Buy with an electronic check, you first need to get an electronic check number from your bank. You will then provide this number throughout the checkout process. Electronic checks, just like paper checks, must be approved and cleared. Once Best Buy approves the electronic check, you will receive your order. You will also receive an email from Best Buy, indicating that the check has been processed.

Shop at Foot Locker With Apple Pay

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (20)

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (21)

Foot Locker Learn More

Another online platform that allows you to store your checking account information and use it to pay online is Apple Pay. Apple Pay works similarly to PayPal, and companies like Foot Locker allow you to choose the Apple Pay option in the checkout process to make online payments. Other onlines stores that accept Apple Pay include Dunkin’ Donuts, Walgreens, Staples, Macy’s, Starbucks, Subway, Petco, and Sephora.

Abercrombie & Fitch Accepts PayPal Payments

Another big-name seller that accepts payments through PayPal is the popular clothing retailer Abercrombie & Fitch. It’s important to note that if you are new to PayPal, it can take about five days for PayPal to verify for your banking information and allow you to make online payments via your checking account. Shopping online at Abercrombie & Fitch via PayPal is the same process as other retailers. Once you’re at the payment section, select PayPal and finish the payment on the PayPal website. Once you’re done, you will receive a notification from Abercrombie & Fitch and PayPal. Since Abercrombie & Fitch is primarily worn by children and teenagers, PayPal is a great option if you want to allow them access to make purchases without a debit or credit card.

Pay With a Traditional Paper Check at QVC

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (24)

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (25)

QVC Learn More

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QVC is a popular apparel retailer that allows loyal customers to shop and place orders online and pay with a traditional paper check. Once you’ve placed all of your items in your cart and are ready to check out, you will select the “check/money order” option. Of course, since it’s a paper check, you will have to mail it in to the store, to the delivery address provided. Once QVC has received your check, the company will also need to approve the check. In all, this process could take about a week or longer. This means that if you’re in a rush to receive your items, you should consider a different payment method. Once your check is approved, your order will be processed and confirmed, and you will receive your items.

Electronic Checks Are Accepted at Nordstrom

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (26)

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (27)

Nordstrom Learn More

If you are interested in paying with your checking account versus a debit or credit card, you should consider using an electronic check to shop online with Nordstrom. Nordstrom is a specialty department store that has everything you could possibly need. However, Nordstrom tends to be one of the more pricey options, compared to other department stores. The process of paying with an electronic check at Nordstrom is the same as other stores and is easy and effective. Once your electronic check is cleared by Nordstrom, your order will be processed, and you’ll receive your items as soon as possible.

Pay for Marketing Products via Electronic Check at Vistaprint

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (28)

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (29)

Vistaprint Learn More

Vistaprint is a company that produces high-quality marketing materials for professionals. This makes Vistaprint a great option for professionals who need to make online purchases for their work. Through electronic check payments, you can easily order and pay for materials with Vistaprint. Electronic checks are a great way to make purchases in the workplace because they can easily be tracked for bookkeeping and budgeting purposes.

Bloomingdale’s Is Part of the PayPal Network

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (30)

Top 10 Ways to Shop Online and Pay With a Checking Account - Surfky.com (31)

Bloomingdale’s Learn More

Another famous brand that you can shop online with is Bloomingdale’s. As one of the many companies that is part of the PayPal network, Bloomingdale’s allows customers to pay via their PayPal account, where they can choose from the debit cards, credit cards, or checking account information. Bloomingdale’s follows standard procedure when it comes to PayPal, so you will be able to enjoy a quick and easy checkout process.

Are There Risks to Paying With Your Checking Account?

Yes. While using your checking account information for online shopping is easy and convenient, you should be aware of the potential risks. Any time that you input your personal information on a website, including debit and credit card information, there is a risk that your data could be compromised. Some of the risks that come with using your checking account to pay online include:

  • Data theft: Untrustworthy websites can give your personal information to third parties. Make sure that you only shop on sites that are verifiable and trustworthy.
  • Security breaches: Hackers can break into a website’s security system and steal your information.
  • Phishing schemes: When shopping online, keep an eye out for suspicious links or questionnaires that invite you to provide your personal information.

Although you can’t guarantee that you won’t fall victim to one of these situations, you can help minimize the risk by only shopping online with reputable and verifiable sellers. You also want to make sure that you are not using your personal information on shared computers that other people have easy access to. Additionally, you should make sure that the security software on your device is updated.

In addition to using your checking account to make purchases online, some sellers may also allow you to use electronic checks, or e-checks. One of the benefits of using electronic checks versus traditional paper checks is that electronic checks tend to get processed much quicker. Additionally, when you write a paper check, you run the risk of it getting lost or stolen in the mail. Today, one of the best ways to pay with electronic checks is with PayPal. Amazon, eBay, and Cabela’s are some of the biggest online retailers that allow customers to pay via electronic checks.

Final Thoughts on Using Your Checking Account to Shop Online

If you don’t have a debit or credit card, or simply don’t want to use them, you can use your checking account information to shop and purchase items online. However, you should keep in mind that when you use this method of payment, you are putting your banking information at risk for theft, data security attacks, and phishing schemes. To reduce the risk of getting caught up in one of these issues, you should make sure that you are shopping with reputable online sellers. If you are interested in learning about the best checking accounts that you can open online, we have an article covering this subject. As long as you take the proper precautions, you should be able to enjoy shopping online and paying with your checking account without worrying about these risks. To get started, try paying with your checking account online by using one of the 10 examples we’ve listed above.

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The responses below are not provided, commissioned, reviewed, approved, or otherwise endorsed by any financial entity or advertiser. It is not the advertiser’s responsibility to ensure all posts and/or questions are answered.

FAQs

What sites can I pay with bank account? ›

Online Shopping With Electronic Checks

Today, one of the best ways to pay with electronic checks is with PayPal. Amazon, eBay, and Cabela's are some of the biggest online retailers that allow customers to pay via electronic checks.

How do I use my checking account for online purchases? ›

To shop online using your debit card, you'll need to input the 16-digit card number along with the expiration date, security code, and billing address. The funds for the transaction will be deducted from the checking account linked to the debit card.

Can I make purchases with my checking account? ›

Checking accounts are held through a financial institution, like a traditional bank, online bank or credit union. With a regular checking account, you can deposit and withdraw money (either through the bank or an ATM), write checks, pay bills and make purchases using a debit card.

How can I spend money from my checking account? ›

Ways to Spend Money From a Checking Account
  1. Check: You can write a check, which the recipient will then deposit at their own bank to transfer the money from your account to theirs.
  2. Debit card: You can typically make purchases with your debit card.
12 Jul 2021

What can you buy with an account and routing number? ›

You can often use your routing and account numbers to pay for things online or to send money to other people through various digital payment services. You can also use them to sign up for direct deposit through many employers or through other institutions that pay out money like the Social Security Administration.

Can I shop online with my account and routing number? ›

Depending on the retailer you are shopping at making the actual payment can be as simple as entering your routing number and your account number. Most retailers will also need the name of the account holder and the address. You could also be asked for a driving license number.

What app can I send money with routing and account number without verification? ›

Here's a quick list of payment processing services that don't always require verification: Paypal. Cash App. Venmo.

How can I buy stuff online without a debit card? ›

To buy something online without a credit card, use a debit card if you have one, since they're accepted by most websites. If you don't have a debit card, set up an account with an online payment company, like PayPal or Amazon Payments, which connects your debit card or checking account to their website.

How can I buy stuff online without a credit card? ›

If you don't have a credit card, you can use PayPal, Coinstar, cryptocurrency, or prepaid cards to shop online. Though not every online store will accept every payment method, there are several options available for you to use. These days, it seems that many people use credit cards for most of their spending.

Can you pay with a check on Walmart com? ›

You must call Customer Service to place an order using a check or money order. Your check must be in USD currency and drawn on a US Bank. No foreign checks will be accepted.

Can I buy Bitcoin with account and routing number? ›

Echeck consists of a routing and account number used to process transactions using the Automated Clearing House (ACH) system. All transactions are quicker, easier, and safer. Therefore, you can buy bitcoins through echeck instantly and safely. Echecks also take less time to process than paper checks.

Can I pay for a hotel with my routing and account number? ›

Pay with a paper check online. Once you have secured this payment type with the hotel, enter the bank routing and account numbers printed on the bottom of the paper check to the appropriate online payment form. Fill in your address and driver's license (or state ID number) for security.

How do you set up a P2P payment account? ›

Once you've decided on a P2P app, install it and sign up for an account using your email address and/or phone number. Next, you'll need to connect your card(s) or bank account(s) to the app in order to start making payments. Sending a payment is often a simple process which only takes a few taps.

How can I withdraw money from ATM with insufficient funds? ›

Option One: Use overdrafts to withdraw the money you don't have, incur a fee, and pay back both the overdraft and the overdraft fee when you can. Option Two: Top up your checking account and withdraw the money you do have, avoid overdraft fees, and pay back the amount on terms you're in control of.

What is a jam jar account? ›

Jam jar accounts are designed to let you divide your money into different 'jars' within a single account. Jam jar accounts normally work like this: When money comes into your account, an agreed amount is set aside for essential bills. These bills are then paid via Direct Debit or standing order.

What can you use routing number for? ›

A routing number is a unique, nine-digit number that functions as an address for your bank. It is used for electronic transactions such as funds transfers, direct deposits, digital checks, and bill payments.

How do I add money to my routing and account number on cash App? ›

To use your account and routing number:
  1. Tap the Money tab on your Cash App home screen.
  2. Tap the routing and account number below your balance.
  3. Use the options to copy your account and routing numbers.
  4. Provide the account and routing number when prompted for a bank account during direct deposit setup.

How does a ACH transfer work? ›

ACH transfers take place in batches, are almost entirely automated, are processed through a central clearinghouse, and can take one to several business days to complete. Wire transfers move money from one account to another manually, guided by a bank employee, and happen immediately.

Is it safe to pay online with checking account? ›

Is online bill pay safe. Online bill pay is included with an online bank account, and online bank accounts are generally very safe. Banking sites protect your accounts in a number of ways, including multifactor authentication, alerts for suspicious activity and website encryption.

How can I buy stuff online without a bank account? ›

Third-party payment services are entities that help you make or receive payments online without first setting up your own account with a bank.
  1. PayPal. PayPal is an online payment processing company. ...
  2. Amazon Pay. Amazon Pay is an online payment processing service. ...
  3. Google Pay. ...
  4. Apple Pay.

What is bank account transaction? ›

A bank transaction is a record of money that has moved in and out of your bank account. When you have costs associated with your business - for example, rent for office space - the payments for these will come out of your bank account as transactions.

What app transfers money instantly? ›

Best apps to send money
  • Best between friends: Venmo.
  • Best for bank-to-bank transfers: Zelle.
  • Best for flexible payments: PayPal.
  • Best for budding investors: CashApp.
  • Best for sending money internationally: Remitly.

How do I transfer money using my account number? ›

IMPS Transfer Using ATMs
  1. Visit your bank ATM.
  2. Select your language and enter your pin.
  3. Go to the main menu, select other services like fund transfer and click on IMPS fund transfer.
  4. Key in the mobile number of the payee/beneficiary.
  5. Proceed to enter the MMID and transaction amount.

Can you do an instant ACH transfer? ›

Although standard ACH transfer times can take three to five days for full processing, it's possible to pay for a same day service. Same or next day ACH transfers are processed on a per request basis by the bank.

What can I buy with a stolen credit card? ›

So what do fraudsters do with stolen credit card information? It's valuable data, so many sell it to someone else. If they do use it for themselves, they may buy anything from physical, luxury items and electronics, to online goods like video game credits and business services. Gift cards are a popular choice.

How do I transfer money with card number and CVV? ›

Navigate to the section 'Debit Card', select the card account and set up your debit card details. This requires a 16-digit card number, card expiry date, and the card CVV number. Now choose option, 'Money Transfer' and set up the beneficiary details.

How can I pay without my bank card? ›

How To Pay Online Without A Credit Card
  1. Debit card.
  2. Direct debit.
  3. Payment Apps (E-Wallets)
  4. Gift cards.
  5. Reward points.
  6. Bank transfer.
  7. Cryptocurrency.
  8. Pay on delivery.

Can I get a virtual debit card? ›

A virtual debit card can be used just like you would use a physical bank card. In addition to online purchases, you can use a virtual card for contactless payments in stores by adding it to Apple Pay or Google Pay. Some even allow you to withdraw money from ATMs.

How can I pay my credit card bill without a credit card number? ›

Most of the banks allow you to make credit card payments using a debit card without any registration. You can directly enter your debit card details in the payment channel or use your debit card at the bank's ATM to make payment. Payments using a debit card can be made from anywhere in India and at any time.

Can I pay without my credit card? ›

Use mobile payment services

Mobile payment services like Venmo or PayPal allow you to safely transfer money directly from your bank account to third parties with a simple touch of a button. This eliminates the need to pull out cash or your card.

What is the best alternative to PayPal? ›

PayPal alternatives
  • Skrill. A Paysafe company, this payment method is a lot like PayPal. ...
  • Stripe. Stripe is our choice for the best online credit card processor for online businesses. ...
  • Square. ...
  • Venmo. ...
  • Payoneer. ...
  • Shopify Payments. ...
  • QuickBooks Payments. ...
  • Google Pay.

What is the best way to pay online? ›

Credit cards are one of the more reliable methods for online transactions as they are backed by banking institutions and are essentially universally accepted. They also do not directly take funds out of your account at the moment of purchase. It is also the payment method easiest to stop in the event of fraud.

How do I find my account number and sort code? ›

You can typically find your sort code on bank statements and in your online or app banking. Many banks also print the sort code on the front or back of the bank card together with the account number.

Is there a cheaper option than PayPal? ›

Stripe offers both online and in-person payment options. While PayPal's card transaction fee is 2.99%, plus a 49-cent fee, Stripe's 2.9% plus 30 cents per card transaction fee makes it a better option for budget-conscious businesses.

What is better Stripe or PayPal? ›

While both companies specialize in online payment processing (over in-person transactions), PayPal is better suited for small or new businesses that are just getting started while Stripe is a better fit for larger companies, as it provides more options for payment customization.

Which is better Google Pay or PayPal? ›

It depends on how you expect to use your account, and the type of transactions you'll likely make. Google Pay has a lower fee for debit card transactions compared to PayPal, which may edge it ahead if you're anticipating funding payments that way.

What are the 3 methods of payment? ›

Payment Options
  • Cash.
  • Checks.
  • Debit cards.
  • Credit cards.
  • Mobile payments.
  • Electronic bank transfers.

What are the 4 payment methods? ›

A payment can be made in the form of cash, check, wire transfer, credit card, or debit card. More modern methods of payment types leverage the Internet and digital platforms.

What's the safest online payment method? ›

1. Credit cards. The most familiar form of online payment is also one of the most secure payment methods. Credit card transactions are encrypted, which means the details are jumbled up and encoded.

What is the safest online payment system? ›

7 Safest Online Payment Methods
  1. Paypal: The Vastly Equitable Method. ...
  2. Credit Card: The Most Secured Opposed to Fraud. ...
  3. Debit Card: The Best Way to Control Your Spending. ...
  4. Prepaid Card: The Convenient and Anonymous Way. ...
  5. Digital Wallets: The Appropriate Method. ...
  6. Crypto Wallet: The Complete Online Option.
22 Mar 2022

What is the safest online payment app? ›

PayPal is our pick for best overall payment app. It offers a user-friendly interface, strong security, and there are no fees for sending money to family and friends.

What bank is sort code 23 69 72? ›

How can I tell which type of account I have with Tide? If you're unsure as to whether you have an e-money or bank account, there are 3 ways you can find this information: Sort Codes: If the sort code is 04-06-05 – the account is with ClearBank, if the sort code is 23-69-72 – it is with PPS.

What can people do with your bank account number? ›

When a scammer has your bank account and routing numbers, they could set up bill payments for services you're not using or transfer money out of your bank account. It's tough to protect these details because your account number and routing number are hiding in plain sight at the bottom of your checks.

Where can I find my 16 digit debit card number online? ›

How do I find my 16 digit debit card number? - YouTube

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