Truth be told, it isn't easy to find online stores that still accept routing and account numbers nowadays, as most of them have shifted from traditional payment methods to embrace the digital trend.
And to think of it, it makes sense since keeping up with the trend is what will help them complete sales.
Nonetheless, there are still a few leading stores that take bank account payments either directly (through ACH or e-checks) or indirectly, through services like PayPal that I've compiled in this guide.
What Online Stores Accept Routing And Account Numbers Without PayPal?
If you need to shop online using your routing and account numbers for making payments, you can visit the list below of stores that still accept bank payments either directly (through ACH or e-checks) or indirectly (through PayPal).
Usually, any online store that accepts PayPal should accept your routing and account number for payments since you'll be linking your bank to PayPal through these details and your bank here as a payment method. So I can say that you have millions of options that use PayPal as a bridge.
So, I'll focus just on the stores that accept bank payments directly.
1. Amazon
Amazon is the largest online retailer that's known for its wide offerings. The retailer excels at offering flexible payment methods, as it accepts not only leading digital payment methods but also traditional bank payments.
That said, Amazon is one of the online stores that accepts bank account payments through a feature called "Pay by Bank" that lets you pay with an ACH-enabled US checking account at Amazon's checkout.
You can also link your checkout account to Amazon in the Payments Information section of your Amazon account to make it widely available to all Amazon services.
When you choose Pay by Bank at the checkout, you'll be redirected to your bank's login page, where you'll have to log in with your account details. In some cases, you may even be able to use your routing and account numbers to manually link your account, and once that's done, you can start using your checking account for payments.
All bank payments are processed through the ACH network, and the time it takes for Amazon to complete your payment will depend on how long the payment takes to process through the network.
2. Walmart
Walmart has made mobile shopping (or call it online shopping) very easy and convenient for people, and if you'd love using your checking account numbers for payments, Walmart is one of the stores that you'll find to your liking.
That said, Walmart's Pay by Bank program (or say feature) lets you link a bank account to your Walmart account or at the checkout and use it to make direct bank payments.
To pay using your checking account numbers on Walmart:
- Shop your favorite items through the Walmart website and proceed to checkout.
- At checkout, select "Pay by Bank" to log in to your bank account automatically or by entering your routing and account numbers.
- Confirm your order, and you're done.
The payments are processed through the ACH network, so the speed at which Walmart will take to complete the payment will depend on the network and the type of account you link to Walmart. Checking accounts usually process faster than savings accounts.
3. Sam's Club
Sam's Club is a Walmart subsidiary, and if you're quite familiar with using Walmart, you'll find Sam's Club a good store to shop with your bank account.
Just like its parent company, Sam's Club lets you link a bank account through the "Pay by Bank" feature that you'll use to make purchases at the store.
Oh, I think I forgot to mention the Pay by Bank requirements for Walmart, but since both Walmart and Sam's Club use the same requirements for the feature, just know that you'll need to have an eligible US bank account and be at least 18 years of age to access the feature.
4. Microsoft Store
Microsoft Store is one that most of us usually don't consider since they focus mainly on digital products. Well, if you are a fan of what comes from the Microsoft Store, you'd be happy to know that they accept direct bank payments after you've linked your eligible bank account to your Microsoft account.
For now, you can only link a bank account to Microsoft in select countries like the U.S., though availability recently expanded to other countries.
To shop online at Microsoft Store using your checking account:
- Log in to your Microsoft account and go to "Payment options".
- After that, click "Add a new payment method" and select "Bank account."
- On the next page, you'll have to enter your name, account and routing number (if linking manually), and address must all be provided.
Once this is done, you'll be able to see your bank account as a payment option the next time you reach the checkout.
5. Best Buy
Best Buy is a unique store I feature on this list because it is the only store here that accepts bank payments through checks without using PayPal.
They accept personal, business, and cashier's checks as payment methods, and they do so only at their physical stores for the moment.
I know it isn't the online option you thought it was, but it is still a good option you can consider since there are not many options out there.
6. Macy's
Macy's does not directly accept bank account payments for item purchases, but if you have a Macy's Credit Card, you can use your bank account to load the card and even pay off its credit bill (that you used for purchasing items at Macy's).
So, to think of it, you are still using your bank account to make payments, though it is done indirectly.
The good thing is you'll be linking your US bank account to Macy's using your routing and account numbers, unlike a few other options on this list that will require you to do so with your bank login details.
The process is quite indirect, but it is worth mentioning Macy's as a viable option you can use for making payments with your routing and account numbers.
Macy's accepts direct bank account payments (using your routing and account numbers) when you are paying off a Macy's Credit Card bill online or setting up AutoPay
7. Bloomingdale's
Bloomingdale's accepts bank account payments the same way Macy's does (that's indirectly).
You'll need the Bloomingdale's Credit Card for this to work. After you've gotten the card, you can use your bank account to pay off your credit bill each time you make a purchase at Bloomingdale's with the card.
You can even set up AutoPay through your bank's routing and account numbers, just as with Macy's, to automatically pay your bills.
How to Pay Online Stores With Routing and Account Number
Now that you know which online stores let you shop and pay with your checking account numbers, you might be wondering how you can proceed with paying with your account at your favorite online stores.
To pay online stores with routing and account numbers:
- Go to the online store you are linking that supports payments via checking account.
- Add the products you need to the shopping cart.
- At the checkout, choose the mode of payment, i.e., checking account via PayPal, e-check, or paper check.
- Provide your bank account details (routing and account numbers) and necessary information.
- Tap on Continue or something similar to finalize the payment.
Websites That Accept Bank Account Payments
Websites that accept bank account payments are similar to those listed above, which let you pay through your checking account.
That being said, some websites that accept bank account payments include;
- Amazon.
- Walmart
- Sam's Club
- Microsoft Store
- Best Buy
Where to Find Your Checking Routing and Account Numbers
There are many ways to find your checking account numbers, which include:
- On a Check: Look at the three groupings of numbers in the bottom left-hand corner of a check if you have one available. Your routing number is the string of numbers in the far left corner. Your checking account number is the following set of numbers. The check number is located in the far-right group of numerals.
- On Your Monthly Statements: Whether you receive monthly statements by mail or online, your checking account numbers will probably be printed at the top.
- Online Banking Platform: Your routing and account numbers can typically be found with your other account information if you have enrolled for online banking. The top of your account page typically has it. If not, you can view an e-statement and choose any month to see it.
- At Your Local Bank Branch: As a last resort, you'll have to visit your local bank branch to get the checking account numbers from there in case none of the aforementioned methods helped you out. Just remember to carry along your ID documents.
Pro tip: If you quickly locate your account number but still require the routing number, you may easily find it by searching for your bank's routing number on Google (though you might need the zip code and/or address).
Final Thoughts: Shop Online and Pay With Checking Account
With the digital trend constantly rocking, finding an online store that lets you shop online and pay with a checking account isn't that obvious.
However, this guide compiles a list of the few online stores that accept bank account payments directly (through ACH or Checks). You can always check them out whenever the need arises.
