Haven’t set up a debit or credit card yet? Waiting for one to be replaced? Even without these typical online payment methods, you can shop online. While the option to pay with your checking account numbers is becoming less common, (Staples, Big Lots, Walmart, and Samsung recently nixed the option) it’s still possible. All you need is your routing and account numbers and a little creativity. And this article provides the creativity you need.

In This Article

  • Where to Find Your Checking Account Numbers

  • Online Retail Stores That Accept Checking Account Numbers as Payment

  • Places to Order Food Online That Accept Checking Account Numbers as Payment

  • Businesses That Don’t Accept Checking Account Numbers as Payment

  • Shop with Your Checking Account by Paying with PayPal

  • Where to Buy Gift Cards with Checking Account Numbers Only (So You Can Use Them at Stores That Don’t Let You Pay with Checking Account Numbers)

Where to Find Your Checking Account Numbers

While on your an actual check is probably the first place to check for your routing and account numbers, there are other places to find this info as well. When shopping with check numbers, you’ll need two: the routing number, which identifies your bank, and the account number, which identifies your account. It should be noted, that for security reasons, most banks will not give you your checking account numbers via phone or email. Also, the numbers on your deposit slips are not your checking account numbers, rather, they are for internal processing. That said, the options listed below are your best bet at accessing your checking account numbers.

  • On a check: If you do have a check handy, just look at the three groups of numbers on the bottom left-hand corner. The group of numbers on the far left is your routing number. The next group of numbers is your checking account number. The far right group of numbers is your check number.
  • Monthly statement: Your checking account numbers will likely be printed at the top of your monthly statements, whether you receive paper statements in the mail, or e-statements via email. If you are enrolled in online banking, you should also be able to check your monthly statements in your account as well.
  • OnlineIf you are able to log into your account through your bank’s website, you can usually find your routing and account numbers with your other account info. It’s often at the top of your account page. If not, you can get it by viewing an e-statement. Just select a random month.
  • At your local branch: If none of the options above work for you, you may have to go into your bank to ask for assistance. Just make sure to bring your I.D.

Tip: If you found your account number quickly but still need the routing number, simply Google ‘(name of bank) routing number’.

Retail Stores That Accept Checking Account Numbers as Payment

Finding online stores that accept checking account numbers as payment is becoming less common, but there are still a couple.

Amazon

Paying with your checking account number is super simple on Amazon. You can add a checking account during the Shipment and Payment stage of the checkout process. You’ll need to type in your routing and account numbers as well as the bank account holder’s name, address, and driver’s license number. The account must be a personal checking account (i.e., not a business account or savings account) and located at a branch in the U.S. And you thought it didn’t get better than free two-day shipping!

Read the information above and more here.

Google Express

Google Express is Google’s delivery service. You can use Google Express to order from dozens of stores. Delivery is available throughout the continental US. When you order, you’ll choose a delivery day, and Google will arrange the shipping. For non-members, shipping starts at $5 per store. For members, shipping is free on eligible orders. A membership is $10 per month or $95 per year. You can pay by check on Google Express by going to your Google Wallet and linking a checking account. To link your checking account, you’ll enter your name, routing number, and account number as they appear on your check.

You can find out more about Google Express here, and more about Google Wallet here.

Places to Order Food Online That Accept Checking Account Numbers as Payment

Amazon Fresh

Amazon Fresh is Amazon’s grocery department. When you first visit Amazon Fresh, which is part of Amazon’s regular website, you’ll be prompted to enter your zip code to see food available in your area. Within the U.S., Amazon Fresh currently has service in Baltimore, Boston, Chicago, Dallas, Denver, Los Angeles, New York, Philadelphia, Sacramento, San Diego, San Francisco. To use the delivery service, you need to sign up for Prime Fresh. There is a 30-day free trial, after which membership is $11 per month. Once you are a member, you can order groceries for same-day or next-day delivery and can select what time of day Amazon should deliver. Orders over $40 include free shipping. Like purchases on the rest of Amazon.com, at checkout, you have the option to pay with a checking account. To use this payment option, you’ll need to enter your routing and account numbers for your personal checking account at a U.S. bank, as well as your driver’s license number.

Read the information above and more here.

CobornsDelivers

CorbonsDelivers is a grocery delivery service in Minnesota. Once your account is set up, grocery shopping from CobornsDelivers is a breeze. First, create an account, then access your account settings by clicking the button at the top right-hand corner. Select “Payment Information” on the next page. From there you can select “Add Coborns Direct Check” and type in your routing and account numbers. You can use either a personal checking or savings account.

Read the information above and more here

Stores That Don’t Accept Checking Account Numbers as Payment

Wondering if a specific store accepts checking account numbers as payment? Below is a list of 20 of America’s largest retailers who do not.

  • Ace Hardware
  • Apple
  • Best Buy
  • Costco
  • CVS
  • Dollar General
  • Home Depot
  • Kohls
  • Kroger
  • Lowe’s
  • Macy’s
  • Publix
  • Rite Aid
  • Safeway
  • Sears
  • Target
  • TJX
  • Walgreens
  • Walmart
  • Whole Foods

Shopping with a Checking Account by Paying with PayPal

If you want to shop online without using a debit or credit card, your first step should be signing up for PayPal. Sign up here — don’t worry, it’s free! It takes literally seconds to fill out the basic information needed to create an account. The following page will give you an option to “Shop With PayPal,” select this option. At the bottom of this page is a link that says “link a bank account.” Click on this to fill out your checking account information, and let PayPal verify your account to finish the process.

If you already have a PayPal account but haven’t linked a bank account, just go to “My Wallet.” There will be an option to add a bank account on the left-hand side of the page.

Over 1,150 stores accept PayPal as a form of payment on their websites. Below is a list of 12 of the biggest, all of which PayPal lists as featured stores. See the complete list of stores here and begin shopping!

  • Apple
  • CheapOair.com
  • eBay
  • Hotels.com
  • Macy’s
  • OneTravel
  • Overstock
  • ShoeMall
  • Shoes.com
  • Under Armour
  • Wayfair
  • Walmart

Where to Buy Gift Cards with Checking Account Numbers Only (So You Can Use Them at Stores That Don’t Let You Pay with Checking Account Numbers)

Because stores that accept checking account numbers as payment are far and few between, we’re presenting another idea — online gift cards. You can use your checking account numbers to purchase gift cards from the websites below. Then, you can use the gift card to make purchases online, generally at any website that takes credit cards or, if the gift card is store specific, on that store’s website.

1. Amazon

As discussed above, you can pay with your checking account on Amazon by adding your checking account information at check out. Amazon sells a variety of gift cards, including Visa gift cards, which you can use anywhere Visa is accepted, and many brand or store-specific gift cards. Visa gift cards cost about $6 per $100 of value on the card, and many store gift cards don’t have an extra fee, and only cost their face value plus shipping, if applicable.

2. Cardcash.com (Discounted gift cards)

You can purchase a variety of gift cards for a discounted price at cardcash.comFirst, create an account, then access your account settings by clicking the button at the top right-hand corner. Scroll down to “My Bank Accounts” and select “Add Account” on the next page. From there all you have to do is type in your routing and account numbers. You have the option to buy an online gift card, which will arrive in your email, or a physical gift card, which will be shipped to you via USPS. Online gift cards are usually delivered to your email within 24 hours of purchase.

3. Your Bank of Choice

You can purchase Visa gift cards from many banks. Check the website or call customer service of the bank where you maintain your checking account to see how and where you can buy gift cards from them. Most banks will charge around $4 to your account. Your card will be given to you upon purchase if you buy it at the bank. If your bank has an option to purchase gift cards on their website, be aware of whether you’re purchasing an online gift card or physical gift card.

In Summary

Figuring out where to shop online and pay with checking account numbers only is a slower process than using a credit or debit card, but it is possible in a pinch! Use your checking account directly at a few sites, including Amazon, or set up a PayPal account to use your checking account indirectly at many more online stores. Or, try our workaround — buy a gift card for where you want to shop from an online gift card seller that accepts checking accounts! And, if you’re still looking for more options, here’s an article about stores that accept eChecks or personal checks by mail for customers shopping online.