Think you need a credit or debit card to buy online? Think again! There is a whole range of online retailers that let you pay for goods and services using your checking account number. That’s right, you can buy stuff online with a checking account number. Read our article explaining where you can pay with your checking account, and how to pay with your checking account number.

Top-up your checking account to buy stuff

PockBox

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PockBox is the perfect app to top up your checking account (with up to $2,500) and use the money to buy stuff online. The process is sleek and straightforward. You will just have to give some information about yourself.
The PockBox app should then connect you to the best lender possible and approve you in a matter of minutes.

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LoanSolo

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LoanSolo lets you borrow small amounts of money - between $100 and $1,000 - and will be great if you need to buy something (small) online using your checking account but you don't have enough money right now.
The process is quick, online and if approved, you will get your money by tomorrow. It is very straightforward and doesn't require much for you to do, except providing regular personal information.

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Why pay with your checking account?

There are two main reasons why you may want to pay with your online checking account instead of a card. First, many people do not have debit or credit cards, either because their bank has not supplied one, or because they are still waiting for a card to arrive. Knowing you can pay with your account number also helps if you have lost your card.

Also, not everyone likes to use their credit or debit card online. This could be out of concern for security, or simply a preference. Paying with your checking account number gets around many of the security problems associated with card payments.

Pay with bank account number

To pay with your account number you need to know where to find your checking account number. If you have an actual checkbook, this would be an obvious place to look. Both the routing number and the account number should appear at the bottom of every check.

If you don’t have a checkbook you can look at your monthly statement which should also contain both numbers. Alternatively, log in to your online banking facility which will display all your account info including the 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.

Other retailers might require that you first fund your purchase by linking your checking account to a wallet. Either way, paying with your bank account number is no hassle at all and can be as easy as using a credit card or a debit card.

Buying at Amazon using your checking account

Everyone knows that Amazon offers one of the widest catalogs on the internet. You can buy almost anything from Amazon’s huge online store. Amazon also offers a wide selection of goods for purchase from Marketplace members, giving you access to an even wider range of stuff to buy.

The great news is that Amazon makes it really easy to pay with your checking account instead of using a card. First, you need to set up your checking account number with Amazon to enable ACH payments. To do so, simply enter your bank account number and your routing number under the Add a Checking Account option during the shipping and payment stage of the payment process.

One thing to note with Amazon is that you will need to provide an identification number to continue with checking account payments. This could be a valid U.S. driving license number or a state-issued ID number. But, once you’re set up, future payments are easy.

Paying for Google Express orders with your bank account

Google Express is a convenient way to buy from a range of retailers including Walmart, Target, and Cosco. You just use the app, select the items you want to buy and receive the items on your doorstep a couple of days later.

What makes Google Express really useful if you want to use your bank account for payment is this: Google Pay. You can pay for Google Express orders using Google Pay. In turn, you can fund Google Pay using a checking account.

To use a checking account number for payment you just need to link it up to Google Pay as a payment method. To do so, either open the Google Pay Send app or visit pay.google.com. Here, under payment methods, click Add payment method, and next Add a Bank Account. Enter your account and routing numbers. Some banks offer instant verification, in which case you will be asked to sign into your online banking.

Using PayPal for online transactions

PayPal is a really versatile way to pay for goods online. You can fund PayPal purchases using a lot of methods, including a credit and debit card or your PayPal balance. You can also fund PayPal purchases directly from your bank account.

To do so, you need to link your checking account number to PayPal as one of your payment methods. When you make a purchase, PayPal will initiate an ACH transfer from your account to the merchant. PayPal is a great way to pay using your bank account because so many retailers accept PayPal for payment.

Order food online with checking account number

Food is one of the most popular online shopping categories, and thankfully you can buy food online with a checking account number. You have a few options for food. First up is Amazon which offers a really wide range of food choices, including goods from Whole Foods. As we explained earlier, paying Amazon with a bank account is easy.

There are plenty of alternatives to Amazon. Consider buying from a food retailer that accepts PayPal or Google Pay as payment, either of these options can be linked to your checking account. Also check out CobornsDelivers, a Minnesota-based grocery service that also accepts payment by checking account.

Buying a gift card with a checking account

The last point we’ll cover is gift cards. Gift cards is an incredibly popular online purchase, and not only for handing out as a gift to someone you care for. You can use a gift card to buy from a retailer that does not support purchases from online checking accounts.

For starters, eBay is a great source for gift cards. And because you can pay for eBay transactions with PayPal, you can buy gift cards from eBay using your checking account number. So, if you can’t buy from a store using your checking account, see whether you can buy gift cards instead.

You don’t need a card for online shopping

It should be clear by now that you do not need a credit or debit card to shop online. Simply choose one of the many merchants that offer online payment by checking account. If that’s not possible, you have two alternatives: watch out for merchants that accept PayPal or Google Pay, alternatively see if you can find a gift card on, for example, eBay. Either way, with a little bit of effort, you should be able to buy from your favorite retailer without using a card.