What Online Stores Accept Routing and Account Number

Maximize Your Online Shopping Experience: Know Which Stores Accept Routing and Account Numbers
Ketcha Brandon
Online Stores Accept Routing and Account Number

The world nowadays is totally digitalized and most if not all businesses, take their products and services to the next level, for this reason, having a convenient payment method is crucial for online shopping.

A Bank Account is a financial account that lets you keep your funds in all safety. A checking account is one that lets you carry out financial transactions from your bank account such as paying bills and online shopping.

For each checking account, there is an account number that helps identify the account to the bank and a routing number identifies your bank and facilitates your money transfer transactions. You are able to transfer money with your routing and account number.

If you are among the numerous individuals that love shopping online, then have in mind that you always need your Routing and account number. For this reason, it is good you know the online stores that let you shop online and pay with a checking account without any hassle.

In that case, if you have been searching for what online stores accept routing and account number, then you stay glued to this guide.

Table of Contents

What is Routing and Account Number?

Routing and account numbers can be referred to as two pieces of information that are used to identify bank accounts in the United States. 

A routing number is a nine-digit code that identifies the financial institution where an account is held. It is also known as an ABA (American Bankers Association) routing number. Routing numbers are used for various financial transactions, such as direct deposits, wire transfers, and electronic payments. You can usually find your routing number on your bank's website, on your checks, or by contacting your bank directly.

An account number, on the other hand, is a unique identifier assigned by the financial institution to each account holder. It is typically a series of digits that can range in length with respect to the bank you are registered in. In short, Your account number is used to distinguish your account from others at the same bank.

Together, your routing number and account number are used to make and receive electronic payments, such as direct deposits and bill payments. When setting up automatic payments or direct deposits, you will typically be asked to provide both your routing and account numbers. It's important to keep this information secure and only share it with trusted parties.

Where to Find Your Checking Routing and Account Numbers

Finding your checking account numbers before using them to make purchases is very important.

There are several ways which you can employ in order to find your routing and account numbers, but a physical check is one of the best ways you can get started with.

For every online shopping transaction, both the account and routing number which identifies your account and bank respectively, are often needed.

For security reasons, it is good you know that most banks will not provide you with your checking account numbers via phone or email.

Here are the best places where you can find your checking account numbers:

On a Check: Provided your check at your disposal, you can take a look at the three groupings of numbers in the bottom left-hand corner of the check. Your checking account number is the following set of numbers. The check number is seen located at the far right group of numerals.

Online Banking Platform: If you are enrolled with an online banking platform, then your routing and accounts can be found with your other account details. You will often find it at the top of your account page. However, incase you do not find it there, you can view and e-statement and then select any month to see it.

On Your Monthly Statements: Regardless of how you receive monthly statements (by email or online), your checking account numbers will probably be seen printed at the top.

At Your Local Bank Branch: Here is the last option you have and this involves showing up at a local bank branch in order to get the checking account numbers from there. I will recommend you make use of this method incase the other methods mentioned above do not work for you. Do not forget to take your ID card along with you.

From my own experience, what i often do is that once i have quickly located ny account number but still need the routing number, I often easily find it by searching for my bank's routing number on Google.

ALSO READ: Top 10 Most Popular gift cards in USA

Can I Shop Online Stores With Routing And Account Number?

Yes, you can pay online stores with your Checking routing and account number.

Several individuals choose this option over bank card payments due to the fact that paying online stores with checking account numbers is secure and convenient.

All you have to do is to ensure that you have enough funds in the account to cover the transaction and you are good to go.

Also, you can even pay more conveniently with your checking account numbers by linking the account to a payment services such as Cash App, Venmo or PayPal which are accepted as payment methods by many online stores.

What Online stores Accept Routing and Account Number?

Most online stores do not accept routing and account numbers directly as a payment method. However, there are a few exceptions.

One example is Amazon. Amazon offers a service called Amazon Cash, which allows you to add cash to your Amazon account balance by providing your routing and account numbers. Once you've added funds to your Amazon account, you can use them to make purchases on the site.

It's important to note that when providing your routing and account numbers online, you should only do so through secure and trusted websites. Be cautious of websites that ask for this information without a clear reason or explanation. Also, be sure to monitor your bank account regularly to ensure that no unauthorized transactions have occurred.

So with that said, here are the online stores that accept routing and account number:

ALSO READ: How To Pay With Cash App In Store Without Card [Complete Guide]

1. Amazon

Amazon is actually the world's largest online retailer and a well known cloud service provider that features a wide range of shopping catalogs from cloths to electronic accessories.

Undoubtedly, being the largest online retailer should come with offering the most convenient payment methods for each all users.

Amazon is one of the online stores that accept routing and account number. This means that you are able to shop online and then pay with your checking account at Amazon.

If you have and Amazon account with an ACH-approved checking account, then you can save the details of your checking account in your profile.

Have in mind that Amazon does not accept foreign accounts from countries other than the United States. More to that, Amazon only allows you to make payments using a bank account. You cannot use a savings or corporate account.

Using your checking account to make purchases on Amazon becomes easier once you have saved the information for your checking account and then provided proper state identification.

You can also modify this information each time you change banks and open a new account.

If you are a prime users, you may also pay for Amazon Fresh, their grocery delivery service, using your checking account. If you cannot afford Amazon prime then you can check out this article on How to get Amazon Prime for free.

2. Walmart

With more than 10,500 stores and clubs in more than 20 countries, Walmart is surely one of the famous retailers that have got what every individual desires.

In short, Walmart is an American multinational retailer that features a plethora of departments, including clothing, shoes & Accessories, Movies & TV Shows, Books, Music & Vinyl, Video Games, Arts, Crafts, Sewing & Party Supplies,etc.

Over the years, Walmart has made online shopping very easy and convenient for its users and if you are one that likes using your checking account numbers for payments, then Walmart got your back.

This means that Walmart is one of the stores that accept routing and account numbers without any problem.

In order to pay using your checking account numbers on Walmart:

  1. Go to the Walmart website, shop your desired items and the proceed to Checkout.
  2. At the checkout, choose "Pay with Cash" and then Choose "Pay with Checking Account" to enter your routing and account numbers.
  3. Confirm your order and that is All!.

3. Microsoft Store

Microsoft Store is an online store owned and operated by Microsoft Corporation. It is a digital distribution platform that provides a wide range of software and hardware products, including Windows operating systems, Microsoft Office applications, Xbox games and consoles, Surface devices, and more.

The Microsoft Store offers a convenient and secure way to purchase and download software and games directly to your computer or device. You can also purchase hardware products, such as Surface devices, Xbox consoles, and accessories, directly from the store.

In a nutshell, the Microsoft Store is an all-in-one destination for all your Microsoft-related needs. Whether you're looking to purchase software or hardware products, or need technical support or training, the Microsoft Store has you covered.

Below are the steps to follow in order to shop online at Microsoft using your checking Account:

  • Log into your Microsoft account and choose "Payment choices" from the "Payment & billing" tab.
  • From there, click "Add a Payment option" and select "Bank Account".
  • Your name, account number, routing number and address must be provided.

4. Google Express

Google Express is an online store similar to Amazon but the shopping experience here is more like searching on Google rather than browsing on Amazon.

Several stores accept order via Google Express, and delivery is offered across the United States.

When you place an order, you will choose a delivery date, and Google or the retailer from which you are purchasing will take care of the shipment.

You are able to quickly and easily pay by check on Google Express by going to Google Pay and then linking a checking account.

To link the checking account properly, you must enter your name, routing number, and account number the same way you see it on your check.

What Online Stores Accept Routing An Account Number Using E-Checks?

Electronic checks often referred to as e-checks, online checks, internet checks or direct debit, are digital version of a paper check.

When an eCheck is used, money is electronically withdrawn from the payer's checking account.

This means that you can easily shop online and pay with checking account via eChecks which would directly withdraw funds from your checking account.

Below are some online stores that accept routing and account number using eChecks:

1. Overstock.com

Overstock.com is an American online retailer that offers a wide range of products at discounted prices. The company was founded in 1999 by Patrick Byrne and is headquartered in Midvale, Utah.

Overstock.com offers a variety of products, including furniture, home decor, bedding, clothing, jewelry, and electronics. The company also offers a range of services, including home improvement services, pet adoption, and online auctions.

One of the unique features of Overstock.com is its commitment to sustainability. The company has implemented a number of initiatives to reduce its environmental impact, including reducing packaging waste, using renewable energy sources, and offering eco-friendly products.

Below are some of the amazing features you will surely enjoy if you decide to start shopping with Overstock.com.

  • You can pay here with an eCheck.
  • More to that, there is no need to connect your checking account with PayPal service.
  • There are no additional charges for using this service.
  • The requirements need to be double checked before you place the order.

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2. QVC Online Store

QVC is an American free-to-air TV network, and flagship shopping channel which is based in televised home shopping, owned by Qurate Retail Group that allows devoted clients to shop, place orders, and pay online using a checking account paper check.

Shopping at QVC with a Paper check is actually easy:

  • As soon as you are ready to check out and have all of your things in your cart, choose "Check/money order".
  • It goes without telling you to mail the paper check to the merchant at the specified delivery address since it is a paper check.
  • Immediately QVC receives your check, the company must also authorize it. this procedure can sometimes take up to a week in total.
  • This means that if you are quickly in need of your items, then you should consider using a different payment option.
  • Your check will be processed and confirmed once it has been accepted and then you will receive your products.

3. Nordstrom

Nordstrom,Inc. is a leading fashion retailer offering compelling clothing, shoes and accessories for all individuals; men, women and kids.

Nordstrom is a high-end department store chain that was founded in 1901 in Seattle, Washington, USA. Nordstrom offers a wide range of luxury fashion, beauty, and home decor products from various brands, including their own private label brands.

The company operates both brick-and-mortar stores and an online store, offering customers a seamless shopping experience. Nordstrom is known for its exceptional customer service and commitment to quality products.

  • When you shop online, you can use an eCheck to transfer the money.
  • All you need to do is to get the eCheck number from your issuing bank and then enter it on the checkout page.
  • It might occur that you have to wait a little for the package to arrive because the order won't be fulfilled until the payments has been received in full.
  • The processing of the eCheck takes a few days.
  • Incase you encounter any additional delays, I will advise you to contact customer support for assistance.

4. Best Buy

Here comes another online store that accept routing and account number using eChecks. Best Buy features a wide range of electronic products and home accessories including; mobile gadgets, phones, laptops, televisions, and many more.

In order to shop and pay at Best Buy using a checking account eCheck:

  1. Obtain an electronic check from your bank.
  2. You will now provide this number throughout the checkout process.
  3. Similar to paper checks, electronic checks must be approved and cleared.
  4. As soon as Best Buy approves the electronic check, you will receive your order. You will also receive an email from Best Buy stating that the check has been processed.

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5. Vistaprint

Vistaprint is one of the online stores that accept routing and account number and helps small businesses to market themselves effectively.

For this reason, Vistaprint is actually an amazing option for businesses who must make online purchases for their work.

You are able to quickly order and pay for materials with Vistaprint through electronic check payments.

What Online Stores Accept Routing and Account Number Using PayPal?

There are some online stores that accept routing and account number not directly, but via PayPal. Some of these stores include:

1. Target.com

Target.com is a well known retailer that lets you shop online and pay with your checking account.

When undertaking a physical purchase at a local Target store, customers are able to pay with cash, gift cards, coupons, or even rebate checks; but, when making an online purchase at Target.com, it becomes a little bit different.

When you want to pay online at Target.com, you must link your checking account to PayPal. You will need to open a PayPal account in case you do not yet have one at the time of purchase.

Customers are obliged to wait at least five days after signing up for a PayPal account before making a purchase. This time is needed by the authorities to confirm your identity and double-check the personal information you have provided.

You will receive an email which lets you know when that step is completed.

Once you have placed all necessary items in your shopping cart, select PayPal as your payment method and after that, enter your login details to start making the purchase.

Target and PayPal with separately send you a confirmation email with information about your payment, the amount you sent and the estimated delivery date.

2. Bloomingdale's

Bloomingdale's is a popular retailer that let you shop men and women's fashion accessories, home appliances, toys, health-care and beauty products.

Bloomingdale's is a luxury department store chain that was founded in 1861 in New York City, USA. Bloomingdale's offers a wide range of high-end fashion, beauty, and home decor products from various brands, including their own private label brands.

The company operates both brick-and-mortar stores and an online store, providing customers with a seamless shopping experience. Bloomingdale's is known for its exclusive merchandise and exceptional customer service, as well as its commitment to providing a unique shopping experience that is both elegant and sophisticated.

3. Macy's

Regardless of the shopping method you choose, Macy's is one of the most popular retailers in the United States that features what you desire.

In fact, you can find the company's regular clients outside of the U.S.

You are able to link your checking account to your profile if you have a PayPal account and you will be set to shop online with routing and account number.

Here are the steps to follow in order to shop online at Macy's with routing and account number using PayPal:

  1. Go to Macy's, shop your desired items and add them to your cart.
  2. After finalizing your shopping and adding all your desired items to your cart, Macy's will provide you with the option to complete the checkout procedure using PayPal.
  3. As soon as you click PayPal, your checking account will be the default payment option after you log into your PayPal account.
  4. You will be taken back to Macy's to complete and confirm your order after it has been approved.
  5. Both Macy's and PayPal will send you a confirmation email to let you know the order has been aid for and is being processed.

4. Abercrombie & Fitch

Abercrombie & Fitch is an American lifestyle retailer that is based on casual wears.

Abercrombie & Fitch is also one of the online stores that accept checking accounts when linked to a PayPal account via routing and account number.

It is actually easy to shop and pay with your checking account at Abercrombie & Fitch and below are the steps involved:

  1. You will have to link your bank account number to your PayPal account, much like with other online stores.
  2. The Payment procedure can then be initiated by logging into PayPal and entering the account number.
  3. There should not be many checkpoints throughout the payment process itself, which should be swift.
  4. You are going to separately receive payment confirmation emails from both A&F and PayPal.
  5. They will also let you know how much money has been transferred and when the order will be delivered.

How to Pay Online Stores With Routing and Account Number

Now you know the various online stores that let you shop and pay your checking account numbers, sure you might be asking yourself how you can proceed paying with your account at your favorite online stores.

In order to Pay online stores with routing and account numbers:

  1. Move to the online store of your linking that support payments via checking account.
  2. Add your desired products to the shopping cart.
  3. At the checkout, choose the mode of payment - checking account via PayPal, e-check or paper check.
  4. You have to provide your bank account details (routing and account numbers) and other necessary information.
  5. Tap on continue in order to complete the payment.

Are There Risks to Paying With Your Checking Account?

Yes, even though it is simple and convenient to use your checking routing and account numbers for online purchasing, you should have at the back of your mind the risks involved.

There is a possibility that your information could be compromised whenever you enter personal information, including debit and credit card information, on a website.

Here are some of the risk you run when using your bank account to make online payments:

Data Theft: There are several untrustworthy websites out there that can give your personal information to third parties. It is good you ensure 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: Each time you are shopping online, you have to keep an eye on suspicious links or questionnaires that invite you to provide your personal information.

It is true that you cannot hundred percent guarantee the fact that you won't become a victim of one of these cases, but you can reduce the risk by only making online purchases from trustworthy and verified retailers.

Also, you should avoid using your private information on public computers where others have easy access.

Last but not the least, ensure that your security software is regularly updated.

ALSO READ: How to Check American Express Gift Card Balance

Websites That Accept Bank Account Payments

Websites that accept bank account payments are similar to those listed above that let you pay through your checking account.

So here are some websites that accept bank account payments:

  • Amazon.
  • Overstock.com.
  • Microsoft Store.

Final Thoughts on What Online Stores Accept Routing and Account Number

With several digital payment methods at your disposal, finding an online store that let you shop online and pay with checking account is not that obvious.

Thank you! To summarize, most online stores do not accept direct payment with routing and account numbers. However, there are a few exceptions, such as Amazon, PayPal, Overstock.com, Walmart, and Target, which allow you to link your bank account and use it to make purchases on their websites.

It's important to check the payment options before making a purchase, as not all online stores accept payments via bank account and some may only accept certain types of bank accounts or payment methods.

Frequently Asked Questions

Where Can I Pay With My Checking Account?

You are able to pay with your checking account at several online stores such as Amazon, QVC, Best Buy, Target,etc.

What app can I send money with routing and account number?

Cash App is a faster and simpler way to bank that allows you to send and receive money instantly with just your phone.

Can someone withdraw money with account and routing number?

Yes, there is a possibility that fraudsters can withdraw money from your bank account if they obtain your essential details such as bank account and routing number.

Can you send money with a routing number?

Yes, you might use this method for sending smaller amounts of money to someone you send to regularly

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About the Author

Ketcha Brandon
I am Ketcha Brandon, An article writer, content creator, Video producer, Financial Consultant and a certified Google Publisher. I write content for Cashytransfer.com. Our website provide information on topics such as bank accounts, Money transfers,…

1 comment

  1. Nice content
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