There has been a common confusion that when you shop online, you need to own a credit card or a debit card to complete the payment to the e-store. Show
There has been a common confusion that when you shop online, you need to own a credit card or a debit card to complete the payment to the e-store. But, that is not true! Now you can shop online and pay with checking account conveniently. Cool, right? All you need to work on is finding out the stores that allow you to complete payment using this method. This is quite convenient for people who have poor credit score and could therefore afford a credit card. In this article we will talk a bit about how online payments are made using checking accounts but before that let us explore some of the best shops that let you pay with checking account. Wish To Shop Online and Pay With Checking Account? Here Are The Top 10 Stores That Will Let You Do That!Below are some of the most reliable websites that you can check out. Most of them are all-in-one stores that offers cloths, dresses, appliances, furniture, toys for kids, etc. The best part? When you have added everything you need to the cart, you can simply proceed to pay with a checking account. Amazon.com
Target.com
Best Buy
Macy’s
QVC
Bloomingdale’s
Vistaprint
Abercrombie & Fitch
Nordstrom
Overstock.com
How To Shop Online and Pay With Checking AccountThere are only a few things you need to keep in mind when shopping online with checking account. It is an easy and straightforward process that you can master with only a few tries. First of all, it is important to know how to link your bank account to PayPal. This is necessary as most of the online stores would require you to pay through PayPal or other third parties that offer online money transfer services. Other than that you can also choose to send money via eCheck or paper checks. Nonetheless, PayPal is still considered to be the safest method of transferring money online. It takes into account major frauds that occur when customers exchange funds and makes sure that no mishap of this sort occurs on this platform. Now lets talk a bit about the things to keep in mind when shopping online and paying with checking account. 1. Obtain Your Checking Account NumberWhen you have to use your account to make a payment online, the first thing you need to do is note down your checking account number. You can get this information from the bank by getting in touch wither customer support team. Moreover, account number is also mentioned on your checks as well as monthly statements available online. 2. Keep Certain Risks In Mind When You Have To Shop Online and Pay With Checking AccountWhen we talk about the risks associated with using checking account number for payments, we are referring to the risks that occur when transferring money online. Data TheftThe biggest risk you run is that of losing your personal information when using online accounts. During the transaction, you may have to enter data like account number, contact number, full name, etc. If you are using public internet or unsafe internet connection, it is possible that hackers can get hold of your information and use it to harm you or sell it to third parties. Malware AttacksAnother risk is that you will be inviting malware attack or virus if you end using unsafe websites for money transfer. This may damage your device or result in you losing the account password. It is extremely important to always use official, reliable websites especially when it comes to money transfer and exchange of funds online. 3. Keep Your Account Number Safe At All TimesThere are a few steps that you can take to keep your account and its detail safe and sound. Keep Account Details To YourselfThe first and the most reliable method is to never share the sensitive data related to your account. There are many scammers who can use this to damage your finances or hurt you in some other manner. Only Use Reliable Websites To Make The TransactionYour data is in safe hands when you use reliable websites. In case of online transaction via bank account, make sure you use their official website. Moreover, the e-stores that you choose to shop from should also be trustworthy. Keep Your Software Up To DateComputers that are equipped with the latest software usually tend to have multi-layer protection. Its screening will keep you away from scam sites and protect your personal information as well. Using Checking Account To Make Payments : eChecks vs Paper ChecksAt the start of the article we discussed that majority of buyers also use eChecks and paper checks to make payments when shopping online. In fact, eChecks has developed into a very commonly used method since it is safe and quick. eCheck work much like paper checks but don’t need to be filled manually. The store runs through an electronic reader and the amount would be automatically deducted from your account. Typically, an eCheck will contain your name, date of the issue, your signatures, and the amount that is going to the online seller. It is still an unsolved debate whether eChecks are better than paper checks. There are many points that you can take into consideration. For example, paper checks can be difficult to keep track of. You will have to maintain a check on remaining balance and bank accounts, etc. Since paper checks need to be filled manually, it is common to write down the wrong amount. Some people also consider paper checks to be unsafe since you are handing some information to who ever has your check. On the other hand, eChecks carry a number of advantages.
Online Stores That Let You Pay Using eChecksThere are many stores that now accept eCheck paymentsin addition to physical checks and paying via credit cards. eChecks or internet checks are now widely accepted as they are convenient to deal with and they ensure that the transactions takes place safely. Check out the list below to find out which stores will now accepts payments made via eChecks. Amazon
Walmart
eBay
Vistaprint
Brandy Melville
Appliances Connection
B&H
Wayfair
The Bottom LineHopefully this article has covered all the details on how to shop online and pay with checking account. The online stores that we have mentioned here let you not only shop easily but pay easily as well! Your experience at different stores may vary. Don’t hesitate to try out different ones and share your reviews with us in the comment section below. We are waiting! Can I shop online with routing and account number?Yes. While using your checking account information for online shopping is easy and convenient, you should be aware of the potential risks. Any time that you input your personal information on a website, including debit and credit card information, there is a risk that your data could be compromised.
What can I pay with my routing and account number?Some bills, like credit card payments or utilities, can only be paid via an account and routing number.
Can you buy things online with just a bank account?This typically means a credit card, but there are ways to shop online even without a credit card. They include debit cards, prepaid cards, gift cards, PayPal, Amazon Cash, your checking account, or even borrowing someone else's card.
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