Short Answer: While the option to shop online and pay with your checking account numbers is becoming less common, it’s still possible through Amazon, Google Express, and Microsoft Store, as well as food delivery services like Amazon Fresh. All you need are your routing and account numbers. Below, we have more details on how to make purchases online using your checking account numbers, plus a few alternatives to consider if the store where you want to shop doesn’t accept checking accounts as payment.
If you’re a little nervous about risking your checking account numbers, we suggest reading the article: What could someone do with your checking account number if they got ahold of it?
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
- Stores 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 Your Checking Account)
Where to Find Your Checking Account Numbers
While an actual check is probably the first place to look for your routing and account numbers, there are other places to find this information 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.
- Online: If 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.’
Online 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.
Paying with your checking account number is 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.
Find more information on Amazon’s help and customer service page.
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 or the store you are buying from will arrange the shipping. 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.
Microsoft Store — which sells productivity software, computers, tablets, gaming devices, and more — accepts checking accounts as payment. To shop using your checking account, log in to your Microsoft account, and select “Payment options” under the “Payment & billing” tab. Then, click the “Add a payment option” button and choose “Bank account.” You’ll need to enter your name, account number, routing number, and address.
See more about Microsoft Store’s payment methods at Microsoft’s support site.
Places to Order Food Online That Accept Checking Account Numbers as Payment
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.
Find the information above and more on the Amazon Fresh page.
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 over 20 major retailers who do not.
- Ace Hardware
- Barnes & Noble
- Bass Pro Shops
- Best Buy
- BJ’s Wholesale Club
- Dollar General
- Foot Locker/Lady Foot Locker
- The Home Depot
- Rite Aid
- Sam’s Club
- 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 on the PayPal registration page. PayPal is free to join, and it takes only a few minutes 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 on the PayPal Store Directory.
- Under Armour
Where to Buy Gift Cards with Checking Account Numbers Only (So You Can Use Them at Stores That Don’t Let You Pay with Your Checking Account)
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.
As discussed above, you can pay with your checking account on Amazon by adding your checking account information at checkout. Amazon sells a variety of gift cards, including Visa gift cards, which you can use anywhere Visa is accepted, and many brands 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.com. First, create an account on the CardCash website, 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.
Now you know how to shop online and pay with your checking account number. While it can be a bit tough to find somewhere to shop online with just your checking account, it is possible; Amazon, Google Express, and Microsoft Store all accept checking accounts as payment. As an alternative, you can set up a PayPal account to use your checking account indirectly at many more online stores — or buy a gift card for the store where you want to shop from an online gift card seller that accepts checking accounts.
If you’re still looking for more options, see our related article about stores that accept eChecks or personal checks for customers shopping online. You may also want to see where to get same-day check printing.