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Shop Online And Pay With Checking Account – Shopping Has Become More Enjoyable!

You don’t have to use your debit or credit card every time you go online shopping. You can shop online and pay with a checking account as well.

We’ll go through ten spots where you can shop online and pay with a bank account in the sections below.

Best Way To Shop Online And Pay With A Checking Account?

There are only a few things you need to know about online buying with a checking account, the first of which is how to transfer a check to an online business.

There Are Three Ways To Accomplish This

  • Connect your bank account to your PayPal account and complete the transaction there.
  • Make use of a digital check.
  • Send the company a paper check.

Almost every online shop accepts money transfers using account and routing numbers.

The choice between a paper check and an e-check remains after all other options have been exhausted.

Checking Accounts Accepted as Payment in Online Stores

Few online retailers will accept checking account numbers as payment due to the development of digital payment options. 


  • From clothing to electrical equipment and everything in between, Amazon is a treasure trove of high-quality used items.
  • Overall, Amazon’s shipping and delivery charges are fairly reasonable. Amazon even offers free shipping on select things!
  • Amazon has a solid reputation for offering outstanding customer service.

How to make a payment:

Because Amazon is not affiliated with PayPal, you will be unable to utilize your PayPal account on this buying site. 

If you don’t have a credit or debit card, you can still shop on with your ACH-enabled US personal checking account.

However, it must be a personal checking account, not a business or savings account, and it must be held at a branch in the United States.


  • Target consistently offers the greatest prices on appliances, footwear, electronics, clothes, toys, and other items. 
  • It has established 44 distribution centers located all over the country.
  • It has managed to strike a nice medium by offering low prices.

How to make a payment:

In addition to cash, you can use personal checks. You can also use a Target Red card, credit cards, gift cards, gift certificates, vouchers, and Target-supported mobile payments to pay.


  • Bloomingdale’s offers the newest fashion, including men’s and women’s styles, toys, home appliances, accessories, health and beauty items, and much more.
  • At you can get Personalized Monthly Offers well in your budget
  • Only Loyalists get free standard online shipping. Regular customers who spend $150 or more receive free standard shipping (except furniture)

How to make a payment:

Customers who pay online can use their checking account number, but it must be linked to a PayPal account that is active. 


  • QVC is a well-known clothing and apparel retailer with an extensive online store featuring the newest styles.
  • It offers an easy-to-play option that divides your payments into smaller but more regular payments.
  • Every day, QVC conducts a “Today’s Special Value” promotion for a small number of products.

How to make a payment:

This is an internet store that accepts mail-in checks. Select “Check/Money Order” from the drop-down menu.

You will be given an address to which you may mail your check.

If your paper check is not received within 10 days of placing your order, it will be canceled, so you’ll need a speedier way to get it to the QVC business office.

Abercrombie & Fitch 

  • Abercrombie & Fitch is a clothing and apparel company that is highly regarded
  • Its stock is on the rise following a major redesign that emphasizes inclusion and more wholesome, brand-agnostic clothes.
  • A&F was formerly derided for its shallowness, but it’s now embracing the genuineness that millennial and Gen Z crave.

How to make a payment:

You may pay for your purchases from their online store in a variety of ways, but one of the most simple is through PayPal, which is linked to your checking account.

The Best Buy

  • When it comes to electronic gadgets and appliances, Best Buy has the best selection.
  • Best Buy, like many other shops, has a tiered loyalty program to reward loyal consumers.
  • Best Buy has a recycling program for electronics and appliances.

How to make a payment:

An e-Check is a type of electronic check that may be used to pay for online transactions without having to utilize PayPal or mail in your checks.

It is quick and simple, however, it is not suitable for all buying sites.

Simply ask for an e-Check number from your issuing bank or the place where you receive your checking account. When you’re ready to pay for your purchases, you’ll be asked for this number.


  • Vistaprint is the place to go if you require high-quality digital and physical marketing materials.
  • simple and economical Custom printing
  • Create your artwork and have it delivered in as little as three days.

How to make a payment:

This business accepts credit cards, bank transfers, and e-Checks, among other methods of payment.

If you don’t want to utilize PayPal, an e-Check is a more efficient way to pay.

It’s quick and simple, and it works with Vistaprint.


  • Macy’s features the most up-to-date fashion trends for men and women, including shoes and accessories. 
  • It also has fantastic deals on homeware, children’s clothing, toys, and much more.
  • At Macy’s credit card, you will receive a 20% discount on purchases made on the day you are authorized for the card, as well as the next day, up to a total savings of $100. (Some items, such as Apple products and gift cards, are not eligible for the discount.)

How to make a payment:

You can utilize a PayPal account that is linked to a checking account if you don’t have a credit card or debit card.

When you’re finished purchasing, go to checkout and select PayPal as your payment method.


  • Nordstrom is known for its fantastic prices, seasonal promotions, and new merchandise for the entire family.
  • When you sign up for Nordstrom, you begin earning points and benefits. Coupons and promotional codes are also available.
  • Nordstrom also has a rewards program called The Nordy Club

How to make a payment:

Nordstrom accepts checking account numbers, but only in the form of an e-Check.

If you don’t have access to an e-Check, simply ask for an e-Check number from your issuing bank or the place where you receive your checking account. 


  • has everything you need at home, including dresses, shoes, shirts, toys, children’s items, and more.
  • In the Club O Extra Rewards Store, you can earn at least 40% in rewards.
  • All qualified products are eligible for free returns for in-store credit.

How to make a payment:

This store accepts e-Checks, as well as debit cards, credit cards, and bank transfers.

You don’t have to use your PayPal account, and you don’t have to mail checks when you use an e-Check.

This Is How You Can Shop Online And Pay With A Checking Account

  1. Open the websites that accept payments through a checking account of your choice.
  2. Fill your shopping cart with the items you require.
  3. Choose your payment method at the checkout, such as PayPal, e-check, or paper check.
  4. Give us the details of your bank account and any other information we require.
  5. To finish the transaction, click Continue.

How To Get A Checking Account Number

On A Check:

Look at the three groupings of numbers on the bottom left-hand corner of a check.

The check number is the collection of numbers on the far right.

Statement Per Month:

Whether you receive monthly statements by mail or online, your checking account numbers will most likely be printed at the top.

Online Banking:

If you use online banking, you can usually find your routing and account numbers in the same place as your other account information.

It’s frequently seen near the top of your account page. If you don’t have it, you can get it by looking at an e-statement from any month.

In Your Area Branch:

If none of the following options work for you, you may need to contact your bank for help. Just remember to bring identification.

If you obtain your account number but still require the routing number, simply Google your bank’s publicly available routing number 

8 Stores That Let You Pay via E-Checks 

Even though credit card purchases are the most prevalent online method of payment, many web-based merchants accept checks as well.

1. Appliances Connection

Accepted payments: e-Checks, as well as a physical check 

Pay by check/e-Check:

To make a personal check payment, first, choose PayPal at checkout or call (800) 299-9470.

The order will be shipped once the check clears, which usually takes approximately a week.

2. B&H

Accepted payments: e-Check, as well as a physical check

Pay by check/e-Check:

To pay by personal check, use PayPal at checkout or call the B&H customer service line at (800) 952-3386.

B&H will prepare a quote for you and instruct you on how to write your quote number on check paper and mail it to them to reference the payment with the transaction when you receive it.

3. Brandy Melville

Accepted payments: e-Check (bank transfer or PayPal)

Pay by check/e-Check:

 Brandy Melville accepts all major credit cards such as Visa, American Express, Amazon Payment, etc. as well as PayPal.

For more detailed instructions you can visit Brandy Melville’s official site

4. Cabela’s

Accepted payments:  e-Check or physical check

How to pay using a check or an e-Check:

To set up an e-check payment, call Cabela’s customer service at (800) 237-4444, or mail your order to Cabela’s at the following address with a paper check:

Cabela’s Order Processing

2500 E Kearney St.

Springfield, MO 65898.

5. eBay

Accepted payments: e-Check, as well as a physical check (PayPal)

How to pay using a check or an e-Check:

After making a successful proposal on an auction item or checking out for fixed-price items, you will see this as a payment option if the seller has chosen to receive personal statements.

6. Walmart

Accepted payments: e-Check, as well as a physical check (PayPal)

How to pay via paper check/e-Check:

 When checking out, you have the option of using PayPal or the Pay with Cash plan. Choose “Pay with Cash” at check-out when placing an online order, then pay with a personal check at your local Walmart. After you pay at the register, the order will shift.

7. Milanoo

Accepted payments: e-Check (transfer with PayPal or bank),

How to pay using a check or an e-Check:

Milanoo accepts Credit and Debit Card, PayPal, and Bank Wire transfers.

You can choose a payment method from the three options during the ordering process.

For further details, you can look into Milanoo’s payment section on their site

8. Wayfair

Accepted payments: Physical checks, e-Checks, and PayPal payments are all accepted.

How to pay using a paper check or an e-Check:

When checking out, choose PayPal or get a quote for your item.

You can place your order and pay by cheque or bank transfer once you’ve made your choices.

Wayfair keeps charges paid by check for 15 days after receiving them to clear them.

Other popular stores include:

  • VistaPrint,
  • Oriental trading
  • QVC
  • Amazon 

3 Stores That Accept Bank Account Payment

Google Express, Amazon, and Microsoft Store all allow you to pay with your bank account information. PayPal also allows you to pay with your bank account at a variety of merchants.

1. Amazon

  • A checking account can be added During the Shipment and Payment stage of the check-out procedure
  • You’ll need to enter information such as your routing, account numbers, name, address, and driver’s license number of the bank account holder. The account must be a personal checking account held at a branch in the United States.
  • If you’re a Premier member, your benefit is that can employ your checking account to pay for Amazon’s grocery delivery service, Amazon Fresh.

2. Google Express

  • You may also use Google Express to place orders from a variety of stores. Delivery is accessible across the continental United States.
  • Google Express can be paid by linking your Google Wallet to a checking account.
  • You’ll need to input your name, account number, and routing number exactly as they appear on your check to connect your checking account.

3. Microsoft Store

  • Log in to your Microsoft account and go to the “Payment Options” section under “Payment & bills.”
  • Next, select “Bank account” from the “Add a payment option” drop-down menu.
  • Your name, account number, routing number, and address must all be entered. 

Stay Safe While Shopping Online 

Because of online scams and several tricks hackers use, online shopping needs to be done very carefully

There are several methods for safeguarding your bank account and avoiding hazards.

1. Don’t Give Out Your Account Number To Anyone

When buying online, try to avoid revealing your account information to anyone. Fraudsters can readily use it to carry out valuable fraudulent transactions.

If you must reveal the information, do it only when the transaction is in progress and never while on the phone, regardless of who is calling.

2. Upgrade Your Software

You should update your software regularly to stay current with the latest security apps

3. Stay Away From Public Or Shared Computers

With public/common computers, you can potentially jeopardize your data security because most browsers save password records.

If you must use public computers, log out of social media and email accounts first, and never click “Remember me” when requested.

4. Use One-Of-A-Kind Passwords

It’s best to avoid including the names or birthdays of family members in your password. There are various password generator tools available on the internet.

5. Do Not Save Your Debit Card Information On The Web

Because potential computer hackers may have installed a keystroke logger on your computer without your awareness, you should be cautious about preserving sensitive data.

6. Keep A Keen Watch On Your Account

Keep a keen eye on your accounts, even ones that aren’t utilized frequently. Scammers steal points like Air miles from your bank account because it is less evident As a result; it’s a good idea to check in regularly.

It’s always a good idea to experiment with different methods to shop, and the easier the better! All of the above suggestions will undoubtedly make shopping easier and more enjoyable for everyone.

My Name is Hazel, I am Content Manager @freeholidaywifi. In my spare time i like to write about Tech, Software's & more. Other then that i love football & travelling new places.