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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Pay With a Traditional Paper Check at QVC

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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. 

Pay With Your Checking Account on Amazon

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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.

Shop Deals at Macy’s With Your PayPal Account

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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 Bank Transfers and E-Checks at Overstock

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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.

Best Buy Allows You to Pay With Electronic Checks

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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

Foot Locker
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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

Abercrombie & Fitch
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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. 

Electronic Checks Are Accepted at Nordstrom

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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

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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

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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. 

Online Shopping With Electronic Checks

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.

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