How to Shop Online and Pay with Checking Account

How to Shop Online and Pay with Checking Account

Want to pay with a checking account to shop online? There are different modes of payment for online shopping like payment through credit card, debit card, wire transfer, cash on delivery, and many more. Still, in this article, we will discuss how to shop online and pay with a checking account. 

Most people believe that online stores only accept debit or credit cards, but they don’t know that online stores also accept checking account numbers. If you are also among those who don’t know how to shop online and pay with a checking account, you can read this article.

Let us tell you that using a checking account number to shop online is as easy as using a debit or credit card for online shopping. You need to provide some details before shopping online, like your account number, name on account number, address, and proof of identity. In some cases, you need to link your account number with the wallet. Before proceeding further with the checking account option, let us tell you how to open the checking account number for online shopping.

How to Open A Checking Account?

Opening a checking account is a straightforward process. There are a few steps you need to follow. 

Note: If you apply for a checking account number, you have to wait for the approval of the account as your spending limit and habits are checked. It is to verify that in case if you don’t have another checking account number and have a clean and healthy financial record, then only you will be provided with a checking account number.

If you don’t have a clean and healthy financial record, you will be blacklisted and will not be provided with the checking account number. It is recommended that to use the checking account number; you should keep your financial records clean.

What is My Checking Account Application is Denied in First Attempt?

There may be a case when you fill the application for a checking account for the first time, and it is denied. If this is the case, this is not the end; you need to check for the following points to fit your checking account application.

  • Check if you have filled all the details correctly in the application form, like your account number, name on the account, address, and proof of identity.
  • You can check your financial records with the bank, and if there is any dispute that damages your financial record history, you need to clear your form and then again apply for the checking account.
  • You can also speak with the bank and know why your checking account application has been rejected.

How to get the Checking Account Number?

How to get the checking account number after the checking account number is approved. Many banks avoid sending details online or via postcard as it contains sensitive and personal information. Here are the things you need to consider to get the checking account number.

You can visit your bank with identity proof and ask then for the checking account number.

You can ask the bank to send your checking account details over the internet, or you can also check for the checking account number at the top of the monthly bank statement.

If you don’t want to go to the bank, you can get your checking account number by logging in to your online banking. You will find your checking account number at the top right of the page.

List of Stores that Accept Checking Account Number

Here is the list of the stores where you can use the online checking account number. They are. – 

At Target.com and pays via PayPal linked to your checking account.

Target stores are considered as one of the best shopping stores for clothing, footwear, appliances, and many more. Target gives you the facility to use the checking account for shopping. You can also pay using Target Redcard, credit card, gift cards, vouchers, gift certificates, and mobile payment methods.

You can use the checking account number via PayPal. If you don’t have a Paypal account, you can create a PayPal account and link your account. It will take up to 5 days for activation of a PayPal account. It will verify your identity and the information provided by you to create a PayPal account. 

After verification of the Paypal account, you need to link your checking account with the PayPal account. At the time of shopping, you need to select Paypal as your payment method. Now you will be asked to enter your Paypal account login details, and from there, you can proceed with the payment.

After the payment, you will receive an email from Paypal and Target regarding the price and order.

Use Checking Account Number with Google Express

Google Express allows users to shop from several stores like Cosco, Walmart, and Target by checking account numbers. You can link your checking account number with Google Express with ease. You can use Google pay to link your checking account number for payment as Google Pay is the product of Google, which is why it is preferred as the payment method.

Amazon Checking Account Number

Amazon is one of the largest online stores to buy and sell products. You will find every product on Amazon. Amazon accepts almost all the payment methods, and checking account numbers is one of them. It is effortless to set up a checking account as a payment option.

At the time of payment, select the checking account number and set up the payment method. Enter your checking account number and bank details; you will also be asked to enter your name and address. You also need to provide your driving license ID number for the identity. After filling in all the details, you can proceed with the shopping.

Microsoft Store Shopping By Checking Account Number

If you want to shop for computers, tablets, gaming devices, or other electronic items, then you can use a checking account for the shopping. To set up a checking account as your payment method, you need to follow the given instructions. Log in to your Microsoft Store account and open the payment and billing option. Now, select payment options, add a payment option and then click on the bank account option. You will be asked to fill in some details like checking account number, name on the account, address, and bank account number and confirm.

After adding a checking account number as the payment mode, you are free to shop online via the Microsoft store. 

These are some of the popular platforms that accept checking account numbers as payment options. 

Things to keep in Mind using Checking Account Number

Here are the things you have to keep in mind while using the checking account number as the payment option. You should be aware of the risks of using a checking account number as a payment option.

Data Theft: Using a checking account number as the payment option includes your personal and bank details. It is recommended to only use trusted sites. Less popular sites can sell your data, and your personal and bank details can be at risk.

Malware: Using less popular or having a week password can lead to concern for your security. It is recommended to only use trusted sites.

Phishing: Many websites pretend to be genuine stores and encourage users to reveal their personal and bank details. After they get your details, they can misuse them.

Tips for Securing Your Checking Account Number

Here are the tips through which you can secure your checking account number.

Keep your details secret: The bank’s checking account number is for your personal use. It is recommended not to reveal your checking account number details to anyone as they can be misused. 

Don’t use shared or public computers: Public or shared computers can save your checking account number details. Your details can be held in the browsers as well. In the case of an emergency, it is recommended to log out of the account and never select remember me option as it will save your login details on the computer.

Don’t use open WIFI: It is recommended to browse on a secured connection. Hackers can steal your personal information over a shared or loose network.

Final Words: Shopping with a checking account number is very easy. Many trusted online stores accept checking account numbers as the mode of payment. It is effortless to set up a checking account as the mode of payment. It would help if you were careful while using the checking account number for online shopping in case other than trusted sources.

Leave a Comment

Your email address will not be published. Required fields are marked *

error: Content is protected !!