Google Pay with Checking Account [Steps to Link Bank]

By Jim Marous 11 Min Read

Shopping online is already the norm. However, if you have a lazy lifestyle like me, you probably don’t have the time to waste time inputting payment information. That’s where Google Pay with Checking Account comes in. Sure, GPay or Google Pay accepts adding your checking account, as long as it has a card to it.

That said, this article will take a closer look at how Google Pay works with your checking account and if it is safe to be considered a good option for you.

So, let’s delve in.

Can you use Google Pay with checking account?

Google Pay with checking account

The answer is yes, you can use Google Pay with checking account. For those who haven’t heard of it, Google Pay is a mobile payment app that lets you pay for things in stores, and online, and even send money to friends and family. And the best part is that all you need to do is link a payment method to your Google Pay account and you’re good to go.

Google Pay works pretty well checking account. You’ll just need to link your checking account to the app by entering your account number and routing number. Once you’ve done that, you’ll be able to start using your checking account to make payments wherever Google Pay is accepted. And the bonus is that you won’t have to worry about carrying your debit card around with you all the time.

Therefore, if you’re looking for a simple and convenient way to make payments, using your checking account with Google Pay is definitely worth considering. It’s a great way to keep all your payment methods in one place and simplify your payment process.

Now, let’s get to linking your Google Pay with checking account. Here’s how to do it:

  • First, open up the Google Pay app on your phone and sign in. If you don’t have the app yet, you can download it from the app store or play store.
  • Once you’re in the app, look for the “Payment” option at the bottom of the screen and give it a tap.
  • Select “Add Bank Account” and choose your bank from the list of options. Make sure that you have your account number and routing number readily available, as you will be required to input this information in the subsequent steps.
  • Follow the prompts to input your bank account information and then tap “Save” when you’re done. This will link your checking account to Google Pay.

Voila! You’re all set to start using a Google Pay account linked to a checking account.


Linking your checking account to Google Pay is the first step to easily pay for your purchases online. Once you have got that taken care of, making payments can be done quickly and securely with just a few taps on your phone.

How Google Pay works with Checking account

Let’s say you’re doing some online shopping on Google Pay and you spot something you really want to buy. But the thought of digging out your credit card and typing in all those numbers is just too much. That’s where Google Pay with your checking account comes in.

To get started, you first need to link your checking account to your Google Pay account. According to Google, “Make sure that you have a debit card for the bank account that you want to add.”

When you tap the Google Pay payment button, a payment sheet displaying a variety of payment methods is shown. From this list, you choose a payment method, and Google Pay securely generates a payment token specific to that method which is then transmitted to your app. Subsequently, your app transmits the payment token in addition to purchase details to its backend for processing.

How to make payment with your checking account on Google Pay

To actually make a payment with your checking account on Google Pay, just follow these steps:

  • Just as we mentioned earlier, make sure you have the Google Pay app downloaded on your phone and that you have linked your checking account to it.
  • Once that’s taken care of, all you need to do is open the app and hit the “Send” button. From there, you will be asked to enter the email address or phone number of the recipient you want to send money to, along with the amount you want to send.
  • After you’ve filled in that information, you’ll need to select your checking account as the payment method. Then, just take a quick look at the transaction details and hit the Send button.

As long as you have enough funds in your checking account, the money should be sent off instantly to the recipient. Also, keep in mind that there may be some fees involved with using Google Pay to send money, so be sure to check out the terms and conditions beforehand.

When it comes to using Google Pay with a checking account, safety is definitely a top priority. Fortunately, Google Pay has got you covered with some well-designed security features.

First off, they use industry-standard encryption technology to keep your personal and financial info under wraps while it’s in transit between your device and the merchant’s payment processor. It’s like a secret code that keeps all your personal and sensitive information hidden from prying eyes.

Plus, Google Pay doesn’t actually store your real account number on your device or their servers. Instead, they use a virtual account number that represents your account. This means that even if someone does manage to get their mitts on your virtual number, they won’t be able to use it to access your actual account.

Now, let’s be real: there’s always a chance that something could go wrong when you’re dealing with important financial info. But if you stay on top of things like keeping your device and software up-to-date, using strong passwords, and being vigilant about any weird activity on your account, you can significantly lower your risk of any sketchy stuff happening.

Overall, it is recommended that linking Google Pay to checking account is a safe and convenient way to pay. Just remember to be a responsible user, and you’ll be all set.

Does Google Pay charge fees to send money?

Now, before 2021, you could even use Google Pay to transfer money to your friends or online without any fees, just like you would with PayPal. But, unfortunately, they changed their policy and started charging a fee for these types of transactions.

Therefore, if you desire to send or receive some money from your friends, you’ll need to download the Google Pay app. And, just to let you know, there’s a charge of $0.31 or 1.5% of the total transaction (whichever is greater).

How much does Google Pay charge per transaction

As mentioned above, sending money to your friends or family using Google Pay isn’t free anymore. But don’t sweat it too much because the transaction fee is pretty small. You’ll be charged $0.31 or 1.5% of the total transaction, whichever one is higher, for every money transfer you make.

But if you’re planning to send a big amount (FYI, the max you can pay out in a week is $5,000), you might consider using another payment app that has lower transfer fees. It could save you some money in the long run.

Read also: bank linking—no verification!

How long does Google Pay transactions take?

Well, the answer to this question actually depends on the payment method you’re using.

In other words, suppose you’re using your Google Pay balance, then it usually only takes a few minutes for the transaction to be completed.

But if you’re paying with your debit card, it can still be pretty quick – usually just a few minutes – but sometimes it might take up to a whole day.

And finally, if you’re using your bank account to pay, then buckle up and get ready to wait a bit longer. Those transactions can take anywhere from 3 to 5 business days.

Read also: Walmart also allows checking account?


With Google’s Pay app, paying for goods and services has never been more convenient. Hence, whether you’re purchasing groceries, settling bills, or shopping online, Google Pay streamlines your financial transactions, freeing up your time for other important activities.

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Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Finance and Pay, writing on a lot of topics regarding payments, banking software, cards, and investing.
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