In today's digital age, online shopping has become increasingly popular, and having a convenient payment method is crucial. While credit cards and digital wallets like PayPal are commonly used, there are also online stores that accept routing and account numbers for payment. This payment method, also known as direct bank transfers, offers a secure and direct approach to making online payments.
In this blog post, we will provide you with a comprehensive list of online stores that accept routing and account numbers, along with their advantages and disadvantages.
Advantages of Using Routing and Account Numbers for Payment
Disadvantages of Using Routing and Account Numbers for Payment
Online Stores That Accept Routing and Account Numbers for Payment
While less common, some major retailers accept your checking account information directly at checkout. These include:
1. Amazon
Amazon is the world's largest online retailer and accepts payments with checking account numbers. You can save your checking account details in your Amazon account and use them for purchases.
2. Walmart
Walmart, a multinational retailer, allows customers to pay with their checking account numbers. During checkout, you can select "Pay with Cash" and then choose "Pay with Checking Account" to enter your routing and account numbers.
3. Microsoft Store
The Microsoft Store, a digital distribution platform, accepts payments with checking account numbers. You can add your bank account as a payment option in your Microsoft account settings.
4. Overstock.com
Overstock.com is an online retailer that accepts payments through eChecks, which are digital versions of paper checks. You can provide an eCheck number during the checkout process.
5. Best Buy
Best Buy, a popular electronics retailer, accepts payments with eChecks. You can obtain an electronic check from your bank and provide the check number during checkout.
6. Target
Pay with "Debit RedCard," which draws directly from your checking account.
Third-Party Payment Solutions
Several services act as intermediaries, connecting your checking account to online stores:
Important Considerations:
Alternatives to Paying Routing and Account Numbers
If your preferred store doesn't accept checking account details directly, consider:
Choosing the Right Option:
The best method depends on your priorities. Consider convenience, security, potential fees, and whether you value direct access to your checking account balance.
Remember: Sharing your bank routing and account number carries inherent risks. Only do so on trusted websites and be cautious of unsolicited requests for this information.
