Since online shopping has so many benefits, it’s no wonder consumers are turning to screens instead of stores. Shopping online has become much easier, and you don’t need a debit or credit card to do so. You can pay with your bank account and routing number as easily as your credit card. Online stores usually require linking your checking account to third-party payment apps such as PayPal to pay the amount smoothly. You may have to provide the account holder’s name and address, driver’s license number, routing number, and account number.
In contrast, paying with your bank account number will be much easier if you provide these details. Check out the details below to learn what online stores accept routing and account number.
What are Routing and Account Numbers, and how to find them?
Within the U.S. banking system, routing numbers identify banks. There may be multiple routing numbers for some banks with multiple branches. Whatever type of bank account you have, your account number comes from your bank. You won’t have the same account number as anyone else within your bank, and each account will have a unique number. But different banks can have the same account numbers, just like different cities can have the same street name and number.
You’ll usually find your routing and account numbers on your checkbook or deposit slip. From left to right, there’s usually the routing number, followed by the account number, check number, and deposit slip number. You can find diagrams online if you’re unsure how these numbers are printed. Getting your account number and routing number through an online banking app or web portal is also possible. You’ll also find them in the papers you received when you signed up.
You can contact your bank if you can’t find your routing or account number either way or aren’t sure you have it. Don’t forget to show identification so that you can prove you’re who you say you are.
Can I pay online stores with my account and routing number?
Paying online with account and routing number is possible with some online stores. Depending on what else you have, you might like this more or less than paying with a debit or credit card. Don’t forget to consider any fees or rewards you might get for a particular payment method, like credit card points.
Make sure your bank account has enough money to fund your purchase if you’re paying with your bank account. If you don’t, the bank or merchant may charge you extra fees and penalties. You can also send and receive money using a debit card or routing and account number with some money transfer services, such as Venmo or PayPal. Getting money through a debit card network is usually faster, but you may have to pay a fee.
Top 8 best online stores accept routing and account number?
When you know where to shop, you can buy everything online with your routing and account numbers, including electronics, clothes, jewelry, shoes, groceries, gift cards, and gift cards. Most retailers don’t accept checks for online payments, but the biggest names in online shopping do! For example, Amazon lets you pay with your checking account number so that you can buy anything with just a few clicks.
You can shop online at various other renowned stores and pay with your routing and account number. Even checking accounts can help you to pay for your goods and services. Here are some stores that accept for shopping online with your checking account routing and account number.
1. Amazon.com
There are a lot of things you can buy on Amazon using a checking account, like clothes, utensils, electronics, furniture, and more. It’s not possible to buy stuff without an Amazon account. So, you will have to sign in to Amazon and add your checking account by entering your routing number and account number and the name, address, and driver’s license number of the bank account holder. You must have a personal checking account at a branch in the U.S. To add a checking account, tap “Shipment and Payment” and “Add a Checking Account.” And then follow the prompts.
2. Target.com
There are physical Target stores where you can buy stuff. But you can also use your outing and account numbers from your checking account to purchase goods and services online. Make sure you create a PayPal account first, then wait five days before paying. Then you will have to link your checking account with PayPal to use it to pay online in the Target stores.
3. Bloomingdale’s
Among other famous brands, Bloomingdale’s allows you to shop online. In addition to being one of the many companies that are a part of the PayPal network, Bloomingdale’s allows customers to pay through their PayPal account using debit cards, credit cards, or routing numbers. When it comes to PayPal, Bloomingdale follows standard procedure, so your checkout experience will be quick and easy.
4. QVC Online Store
You can pay with your routing and account numbers at QVC online stores when you use a check. When you’re ready to check out, select the “check/money order” option after placing all your items in your cart. You’ll have to mail the check to the store at the delivery address. You’ll have to approve the check once QVC gets it. The whole process could take a week or more.
5. Best Buy
Best Buy offers a wide variety of home appliances, phones, laptops, television sets, and other electronic products. The service allows you to pay with a checking account, routing, and account numbers. Using PayPal with Best Buy would not require linking your checking account. As a result, you can complete payments quickly. You won’t have to wait long for your issuing account with the routing number to be processed. When making online payments with a checking account, proving your routing and bank numbers is the most reliable way.
6. Abercrombie & Fitch
At Abercrombie & Fitch, you can pay with your checking account via PayPal. When you complete your purchase, you proceed to check out and are prompted to log into your PayPal account. You will be charged from your checking account when PayPal makes the payment. You can add your PayPal account to your free online checking account if you do not have a bank account.
7. Macy’s
You can shop both online and in physical stores at Macy’s. Therefore, you can shop online using your routing number or account number. To purchase goods online from Macy’s, you should add your checking account to PayPal using the routing and account numbers.
8. Overstock.com
Using your checking account, you can quickly pay online at Overstock.com. The only thing you need to make your payment, in this case, is a routing number and the bank account number. You can easily make payments using this simple process.
How to pay online stores with routing and account number?
Online shopping with a checking account has a few rules. It is a straightforward process you can master in a few tries. The first step is putting your bank account into third-party payment apps such as PayPal. Online stores typically require you to pay through PayPal or another third-party offering online money transfers. There’s also the option of sending money via eCheck or paper check. Still, PayPal is the safest way to send money online. You can use your routing and account numbers to pay online in three ways. They are:
- You can pay with PayPal if you have a checking account
- Use an electronic check
- Send the merchant a paper check
Here is how you pay online with your checking account.
- Visit the site where you’re going to buy stuff.
- Put the goods you want to buy in the shopping cart.
- When checking out, pick a payment method, like e-check, PayPal, or paper check.
- Use your checking account routing number and account number to transfer money.
- You can finish the payment by tapping Continue.
Is it safe to pay online stores with my routing and account number online?
You’re safe when you buy stuff online from trusted sites like Amazon, Best Buy, eBay, etc. But untrustworthy merchants can misuse your information to steal from you, so don’t buy from them. Another thing to remember is that using an insecure internet connection can also ruin your account. There’s a chance you’ll get hacked on public WiFi. Some fraudsters can steal from you using your routing and account numbers. They can order checks to buy stuff using your funds with these account details.