While online shopping is gaining popularity daily, not all online stores accept routine numbers or checking accounts as a payment method. When your credit or debit card is not handy while shopping online, you may decide to shop at stores that can accept routine and account numbers.
Although there are numerous online stores, not all of them accept account numbers and routing numbers as payment methods due to one reason or another. Even some of the digital stores that accept checking accounts may require users to have an Automated Clearing House (ACH)-approved checking account before they will accept their payment method, while other online stores accept checking accounts from a particular country.
How to Shop Online and Pay With your Routing Number
Unlike other online shopping methods, making purchases online and paying with your checking account or routine number can be a bit tricky, especially for first-time shoppers.
To pay for your purchases online using your routine number, you need some information. The details are:
- Account number, which may be a 17-digit number or less.
- Routing number: a special code that identifies your bank, and it is usually a 9-digit number.
Additionally, some retailers may need extra information, like
- Account holders name
- Account holders address
- Driving license number, etc.
Finding your bank account number is not difficult since it can be found on an online banking portal, on your account statement, or at the bottom of your check. In the same vein, you can still find your routing number at the bottom of your check.
Once these details are handy, you can log in to your preferred online store that will be listed in the next section to make purchases and pay with your checking account by providing the necessary details in the space that will be provided.
Where can I shop online and pay with my routine number?
Some of the online stores where you can make purchases and pay with a checking account or routine number include:
1. Amazon
Amazon is one of the largest online marketplaces globally, where shoppers can make purchases from a variety of products that are available at the store, ranging from electronics to fashion items.
As a popular brand that cares for the well-being of their customers, Amazon offers different payment options to their shoppers, including paying for your purchases electronically using your checking account. This means Amazon accepts routing and account numbers.
If you have an Amazon account and an Automated Clearing House (ACH)-approved checking account, you will be able to save your checking account details on your profile and use them for shopping whenever you need them.
However, it is pertinent to note that Amazon accepts only checking accounts for purchases from the United States. Hence, if you are not from the US, you may not be able to use a checking account on Amazon. It is also worthy of note that you can’t shop on Amazon with a corporate account.
To shop on Amazon and pay with a checking account, follow the steps below:
- Login to Amazon, make purchases and move to checkout page
- Choose the “Add a personal checking account’’ option, usually at the bottom of the page.
- Input your bank routing number
- Input the chacking account number
- Input the name and address of the account holder
- Input the account holders valid means of identification, like a U.S. driver’s license, etc.
2. Microsoft Store
Another online store that allows shoppers to make payments with an account and routing number is the Microsoft Store. It is home for window device accessories, where you can buy varieties of applications, software, and functions that can be used on the window operating system.
Shopping on the Microsoft Store with your checking account is simple. Follow the steps below to make your purchases:
- Sign in to your Microsoft account with your details, go to the ‘’Payment and billing section, and select ‘’Payment choices’’.
- Tap on ‘’Add a payment option’ and choose ‘’Bank account’’.
- At this point, you will need to input your name, routing number, address, and account number to complete your purchases, and you’re done.
3. Walmart
Walmart is another popular online store that accepts checking accounts as a payment option. Walmart outlets are located in over 20 different countries, where they sell all sorts of products to their customers. Literally speaking, you can find almost all the products that you can ever think of at Walmart at a competitive price. They also offer discounts on a regular basis to encourage their customers to make more purchases.
So, if you are a regular shopper at Walmart, you can make purchases and pay with your checking account since they accept account and routing numbers. You can decide to shop at any of the outlets globally and pay with your checking account.
To shop at Walmart and pay with your checking account, follow the steps below:
- Visit their official website, make purchases, and move on to checkout.
- During checkout, choose the ‘’Pay with cash’’ option and select ‘’Pay with checking account’’. Then, input your account and routing number.
- Finally, review your details, confirm your order, and you’re good to go.
4. Google Express
Just like Amazon, Google Express is a digital marketplace where shoppers can choose from an array of products that are available in their store. Unlike Amazon, you will need to search for your desired products on Google Express as if you were searching for information.
Most stores partner with Google Express; hence, they accept orders from Google Express. Home delivery is also available across the United States.
Amazingly, once you order on Google Express and choose the delivery date, your products will be delivered to you since Google or the partnering merchant will handle the shipping logistics.
On Google Express, you can pay with routing and account numbers by just linking your checking account to Google Pay, etc. To get started, just link your checking account to Google Pay by entering your name, account number, and routing number as they appear on your check. If done correctly, you would have successfully linked your check to Google Pay and made purchases with it.
5. Nordstrom
This is another online store that allows shoppers to make purchases and pay with their checking account through the digital check payment method. To complete your purchases and make payment with your routing and account number on Nordstrom, you will need to input your security code, name, and card number as they appear in your check. Also, you are expected to enter the last four digits of your social security number.
There are numerous products that are available on Nordstrom, so once you log in to their sites, you have to select your preferred item from the array of items available and make payment with your checking account.
6. Target
Target is an online store where you can buy different products and pay with your checking account. This means Target accepts an account and routing number as a payment method.
You can complete your purchases and transactions through their mobile app or online page.
However, to be able to use a checking account at Target, you must have an ACH-pwered checking account. To get started, you will need to sign in to your personal Target account and register your account and routing number to enable you to use them in subsequent transactions.
7. Perpay
If you are searching for an online store where you can buy different products, like fashion items, electronics, home appliances, etc., and pay with your checking account, Perpay is an option to consider. The outstanding feature of this store is that it allows shoppers to make purchases and pay for them in installments using their checking accounts. It is a good online marketplace where you can make purchases, pay with a checking account, and build your credit score too.
