Shop Online And Pay With Checking Account

In this article, we have listed out the various ways to shop online and pay with checking account. And in relation, we have other articles. So check.

Shop Online And Pay With Checking Account

There is a popular misconception that in order to make the payment to the e-store, you must have a credit card or a debit card. That, however, is not the case! You can now shop online and pay with your checking account.

A checking account is a deposit account with a bank or credit union that allows you to spend your money as you wish. You can use your debit card or a banking app to access your funds 24 hours a day, seven days a week. Nowadays, shopping online and paying using a bank account is simple. The majority of merchants have recognized the convenience and security of making online payments and have updated their payment systems to reflect current payment technologies.

To complete the process, all you need is a smartphone, iPad, or smartwatch. You can also make comparable payments using a computer. To prevent unwanted access to your account, banks, credit unions, and mobile wallets typically feature mobile apps with secured access (PIN, password, or TouchID). If you're not careful, it's really easy to lose money online.

Nowadays, online shopping is the buzz of the town. You can save time that would otherwise be spent walking or driving to a nearby town to shop. Online merchants have delivery mechanisms in place to ensure that you receive your order at your actual address. While some shops provide free delivery, others demand a fee to bring your goods to your location.

Check Out: Best Free Online Shops In Nigeria

How to open a checking account

You must first register an account before you may pay online with a checking account number. Most banks now allow you to open bank accounts online, where you must first fill out all of the required information and then submit all of the required papers.

The first step in finding the best checking account is to look into the various financial institutions' checking accounts and see what they have to offer. You must also consider the numerous features and specifications. Fees, opening deposits, overdraft limitations, cash-backs, and daily spending limits, among other things, should all be checked. 

You must also ensure that you meet all of the requirements, which include:

  1. An identification document, e.g., Government ID card, passport, or a driver’s license
  2. Social Security Number (SSN)
  3. Phone number
  4. Email address
  5. Physical address

How To Shop Online and Pay With Checking Account

When purchasing online using a bank account, there are only a few things to keep in mind. It's a simple and basic method that takes only a few tries to master.

First and foremost, you must understand how to link your bank account to PayPal.

This is required since most online retailers need payment via PayPal or other third-party providers of online money transfer services.

Aside from that, you can send money through eChecks or traditional checks.

Despite this, PayPal is still widely regarded as the safest way to send money online. It considers big frauds that occur when clients exchange monies and ensures that nothing similar happens on this site.

Check Also: The 10 Best Online Bank Accounts with Instant Virtual Debit Cards

Note that the majority of consumers choose the cash-on-delivery option because it is the safest. However, by using a secure internet connection and keeping the receipt with you until the order is delivered, you can make online payment safe.

Now lets talk a bit about the things to keep in mind when shopping online and paying with checking account.

1. Obtain Your Checking Account Number

When you need to make an online payment with your account, the first thing you need do is write down your checking account number.

You can obtain this information from the bank by contacting their customer service department. Furthermore, your account number appears on your checks and monthly bills that are accessible online.

2. Keep Certain Risks In Mind When You Have To Shop Online and Pay With Checking Account

When we talk about the dangers of utilizing a checking account number for payments, we're referring to the dangers of moving money over the internet.

Data Theft

When utilizing online accounts, the greatest risk you face is losing your personal information. You may be required to submit information such as your account number, contact number, and full name throughout the transaction.

If you use the public internet or an unsecure internet connection, hackers may gain access to your data and use it to damage you or sell it to third parties.

Malware Attacks

Another concern is that if you use hazardous websites for money transfers, you will be inviting a malware attack or virus. This could harm your device or cause you to forget your account password.

When it comes to money transfers and exchanges of dollars online, it is critical to always use official, trustworthy services.

3. Keep Your Account Number Safe At All Times

There are a few steps that you can take to keep your account and its detail safe and sound.

Keep Account Details To Yourself

The first and most reliable technique is to never disclose sensitive account information with anyone. Many scammers can take advantage of this to harm your finances or in some other way.

Only Use Reliable Websites To Make The Transaction

When you use reputable websites, your information is safe. If you're doing an online bank account transaction, make sure you go to their official website. Furthermore, the e-stores from which you choose to shop should be reliable.

Keep Your Software Up To Date

Multi-layer protection is frequently seen on computers that have the most up-to-date software. Its screening will keep you safe from scam sites while also safeguarding your sensitive information.

Pro-Tip! You will be prompted if you want your password and other login details to be remembered when you log in to your account. It is always safer to avoid clicking the "Remember Me" button.

Using Checking Account To Make Payments : eChecks vs Paper Checks

We mentioned at the beginning of the post that the majority of online shoppers also use eChecks and paper checks to pay for their purchases. In fact, because it is safe and quick, eChecks have become a very popular practice.

eChecks function similarly to paper checks, however they do not require manual filling.

The store uses an electronic reader, and the payment will be debited from your account automatically. 

In most cases, an eCheck will include your name, issue date, signatures, and the amount that will be paid to the online merchant.

The debate over whether eChecks are better than paper checks is still ongoing. There are numerous considerations that you can make.

Paper checks, for example, might be difficult to keep track of. You'll have to keep track of your remaining balance and bank accounts, among other things.

Because paper checks must be filled by hand, it is typical for the wrong amount to be written down. Some people believe that paper checks are risky since you are handing over personal information to whoever receives your check.

eChecks, on the other hand, have a number of advantages.

  • They are processed quickly since the information can be exchanged digitally within minutes
  • They are safe and your data is protects at all costs.
  • eChecks have lower chances of resulting in frauds
  • They eliminate the need for printing and mailing.

Read Also: What Banks Offer Free Online Checking Account with Mobile Deposit

Where to shop online and pay with checking account numbers

You can shop and pay with your bank account at a variety of online retailers. Cardholders and mobile wallet account users should not be the only ones that shop online. Checking accounts can also assist you in paying for goods and services. The following are some of the places where you can use your checking account to shop online.

Also Check: Send Money With Checking Account Number Instantly No Verification


You may use your checking account to buy clothes, cutlery, gadgets, furniture, and a variety of other things on Amazon. To make a purchase on Amazon, you must first create an account. To add a checking account, go to "Shipment and Payment" and select "Add a Checking Account." After that, submit your account number and a routing number/ABA code.


Target offers physical locations where customers can buy goods and services. You can, however, buy goods and services online using a variety of methods, including your checking account. To be able to make payments at Target, you must link your checking account to PayPal. That implies you must first set up a PayPal account and then wait five days before making a payment.

3. Bloomingdale’s

Bloomingdale's is a store that sells both men's and women's clothing. You can also purchase home appliances, as well as health and fitness equipment. When paying online at Bloomingdale's, you must link your checking account to PayPal in order to use it at the store.

4.  QVC Online Store

QVC is another store where you can use your bank account information to make purchases. When you use a check, you can pay with your bank account. To avoid having your order canceled, you must do so within ten days of placing your order.

5. Best Buy

You can get high-quality electronics and other home equipment at Best Buy. Mobile phones, televisions, laptops, and much more are available. You can pay for your goods and services with an eCheck. As a result, paying using an eCheck is more convenient.

6.  Abercrombie & Fitch

You can use PayPal to link your checking account and use it to pay at Abercrombie & Fitch. After you've finished shopping for goods and services, you'll be prompted to log in to your PayPal account to complete the transaction.

PayPal will withdraw funds from your checking account to complete the transaction. If you don't have a bank account, some banks will provide you a free online checking account with no opening deposit deposit and no credit check, which you can link to PayPal.

See Also: How to Get Free Virtual Bank Account For PayPal Verification

7. Macy’s

Macy's offers both online and in-store shopping options. As a result, you can shop online using your checking account number. If you want to shop at Macy's online, you'll need to add your checking account information to PayPal. During the procedure, you'll be prompted to connect into your PayPal account and complete your transactions. 

Check Out: Top Best PayPal Alternatives


You can quickly pay online with your checking account at Overstock. Here you only need an eCheck from your bank to make your payments. eChecks are easy to use to make your payments.

9. Vistaprint

  • The online store accepts eChecks via PayPal
  • You can avail the payment mode at the checkout
  • Vistaprint website also explains in detail how payments should be made

10. Appliances Connection

  • It offers you to pay using eCheck PayPal services
  • This option will be given to you when you reach the checkout portal
  • You can call 800-299-9470 to select the mode of payment you wish to choose

Is it safe to pay with a checking account number online?

Paying for goods and services online from reputable retailers such as Amazon, Best Buy, eBay, and others is secure. You may, however, lose money if you buy from untrustworthy merchants who may use your personal information to steal from you.

You should be aware that using an unsafe internet connection can jeopardize your account. Hackers may target public WiFi networks and steal information from you.

Can someone withdraw money using my account number and routing number? is a common question. Some fraudsters may be able to utilize the information to steal from you. They can use the information to order checks from your bank and use it to purchase products and services.

Check Also: Send Money With Routing And Account Number Bank Of America

How can I avoid losing money when paying online with a checking account?

You can easily avoid losing money from your bank account if you observe the following.

  • Use a secure network connection.
  • Make payments only to the sites you trust.
  • Keep your bank account details safe. 

How else can you use your checking account apart from the online purchase of goods?

Other than making purchases online, you can use your checking account in a variety of ways. The following are some of them.

Save money

You can save money with some checking accounts. To optimize your earnings, you must keep a specified balance on your account. Saving money in a bank provides you with the highest level of protection because all banks are insured by the Federal Deposit Insurance Corporation (FDIC). That means you will not lose money if the bank in question fails.

Withdraw money

At a branch of your bank, you can withdraw money from a checking account over the counter. All you need are your identification documents and you'll be OK. You can also withdraw money from your account at an ATM using your debit card.

Send money

A checking account helps you to transfer money to someone else’s bank account. If the recipient is of the same bank as yours, you will only need their bank account number. When sending to a recipient of another bank, you will need both the routing and account numbers of the recipient.

Read Also: How To Send Money Internationally With PayPal

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Conclusion on Shop Online And Pay With Checking Account

A checking account is one that allows you to deposit and withdraw funds from a bank or credit union. Money can be accessed from such accounts at any time. You can pay for goods and services online with a checking account. You can use an eCheck, add your bank to PayPal, or mail a paper check to the shop when paying online with your checking account.

This article should have covered everything you need to know about shopping online and paying with a checking account. The online retailers we've recommended allow you to not only purchase but also pay with ease!

It's possible that your shopping experience will change from store to store. Don't be afraid to give them a shot and let us know what you think in the comments area below. We're ready to go!

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