Home Payments Order Food with Bank Account [Restaurants that Accept]

Order Food with Bank Account [Restaurants that Accept]

order food with bank account

When it comes to paying for food, there are a variety of payment methods available. This includes your ability to order food with bank account. Other methods include cash, gift cards, store credits, credit/debit cards, and mobile wallets. All of these are a way restaurants are making ordering food online more convenient for everyone.

For some reason, paying with your bank account number might be the only option you have at that moment. But not to worry, this post will help you know your options so you can order food with your bank account as a payment method.

Why Order Food with Bank Account?

Many people like to do this because it’s (1) simple and (2) convenient. Being able to order what you want without having to leave the couch is a great feeling. Some companies will even bring the food to you. So, you can order food from your favorite places without going out.

If you do not have a credit card, using your bank account to shop is better. It is cheaper and much more convenient than alternatives like buying prepaid debit cards. You can skip the trip to buy the card, avoid the high fees that are tacked on, and you also don’t need to worry about small leftover amounts. Another advantage to this is that most stores won’t charge extra fees when you pay with your bank account number.

Also, if you need to buy something right away but don’t have enough money, you can sometimes shop online and pay with your checking account number even if your balance is a bit below zero (overdrafts). But be careful, because there might be potentially steep overdraft fees

Remember, it’s usually better to use your debit card to shop instead of your bank account number. A Visa or MasterCard debit card can help if there’s a problem with your purchase. It’s safer too, because if your card number gets stolen, you’re protected.

But if someone gets your checking account and routing numbers, they can take all your money; and your bank is unlikely to reimburse you for fraudulent charges or withdrawals.

Where to Order Food with Bank Account Online

order food with bank account

This is a list of some online platforms that allow people to order food with bank account. Sometimes, you only have the option to use your checking account on demand or by linking your checking account to a mobile payment app such as PayPal, and then pay from there.

1. AKS Takeout

AKS Takeout is one of the top food delivery companies in the USA. As a customer, you will get a wide range of dishes and their website is very simple to use. AKS Takeout accepts payments from Mastercard, American Express, Visa, and Discover cards.

So this means the best option in this case for those with a checking account is to use any of the free virtual card services out there to make a purchase on AKS takeout by linking their bank account to it, or in cases where the bank account allows it users to create virtual cards then they can use that option.

Order food from AKS Takeout with bank account now.

2. Grubhub

With Grubhub, you order food with bank account. Grubhub accepts various payment methods and delivers food from all of your favorite restaurants right to your door. Setting up an account is free – all you need to do to order food on Grubhub is to enter some basic information.

To order food with your bank on Grubhub, you need your debit or credit card.

On Desktop

  1. Click on your name located at the top right corner of the screen.
  2. Click Account.
  3. Select “Payments” from the menu.
  4. To add a new credit card, click +Credit Card and follow the instructions.
  5. To update or remove a saved card, click Delete next to the card you want to remove. Then, add it again like a new card.

On Mobile App

  1. Tap the first icon at the top left corner of the screen.
  2. Tap on Account.
  3. Select Payments.
  4. To add a new credit card, tap +Credit Card and follow the prompts.
  5. To update or remove a saved card, swipe left on the card you want to delete. Then, add it again like a new card.

On Grubhub App

  1. Tap My Grubhub at the bottom of the screen.
  2. Tap the gear icon at the top right to go to Settings.
  3. Tap Payment.
  4. Tap Add a new payment and follow the steps to add a new card or link PayPal or Venmo.
  5. To update or remove a saved card, swipe left on the card you want to delete. Then, add it again like a new card.

3. Uber Eats

Uber Eats is also a convenient option for online food orders. Like Grubhub, you can enter your location and place and pay for your order through the app. You can use a credit card linked to your bank, cash, or PayPal, depending on where you live. After your ride is over, the app will use the payment way you picked to charge you.

To Add a Payment Method

  1. Open your app and go to Account.
  2. Tap on Wallet.
  3. Click Add Payment Method.

If You Want to Scan a Card

  1. Tap the camera icon.
  2. Hold your card so your phone’s camera can see it. Wait until all 4 corners flash green.
  3. Type in the card’s expiration date, the CVV number, and your ZIP code.
  4. Tap Save.

If You Want to Type in Card Details

  1. Type in your card number.
  2. Put in the expiration date, the CVV number, and your ZIP code.
  3. Tap Save.

To Check or Change Payment During a Ride

  1. Open the app while you’re in the ride.
  2. Swipe up from the bottom.
  3. Tap the payment method you want to use before the ride ends.

4. DoorDash

With DoorDash, you can order food with bank account from your favorite spots and deliver it to your location. You can even schedule the delivery time. DoorDash accepts credit or debit cards, PayPal, DoorDash credits, and Gift cards.

For Mobile App Users:

  1. Open your DoorDash app.
  2. Tap the icon in the top left corner.
  3. Tap Payment Methods for Android or Payment for iOS.
  4. Under Add Payment Method, tap the arrow next to Credit/Debit Card.
  5. Enter your card number, CVC code, expiration date, and billing zip code.
  6. Tap Add Card.
  7. If you have more than one card on the account, tap the card you want to set as the default. A checkmark will appear next to the default card.

For Desktop Users:

  1. Log in to your DoorDash account.
  2. Click the menu icon (3 stacked lines) in the top left corner.
  3. Click “Payment.”
  4. Under Add New Payment Method, click the arrow next to Credit/Debit Card.
  5. Enter your card number, CVC code, expiration date, and billing zip code.
  6. Click Add Card.
  7. If you have more than one card on the account, click the 3 dots next to the card you want to set as the default.
  8. Click Set Default. The default card will now be listed as Default.

5. Amazon

Amazon is a super convenient website to shop using your bank account. You can buy almost anything with just a few clicks. They also have a marketplace that you can buy groceries from.

To use your checking account as a payment option, select “Add a personal checking account” at the bottom of the Shipping & Payment page during the checkout process. 

Also, make sure you have a valid U.S. driver’s license number or state-issued ID at hand when using the bank account option.

Lastly, it’s important for you to know that this list doesn’t cover all the services that let you order food with a bank account online. There are many more options out there. So, if you look around, you’ll find plenty of choices.

How to Order Food with Bank Account

There are times when your preferred food delivery service may not offer its customers the option of paying via a bank account. Before you start grumbling you have to remember – their business, their rules.

Fortunately, there are alternative ways to pay using your bank account; just not directly. Below’s a list of indirect methods to order food with bank account.

1. Link the bank account to a payment service such as PayPal and the likes

Linking your bank account to PayPal is a way to easily shop online. When you connect your bank account to PayPal, you can buy things online without giving sellers your bank details. It also adds an extra layer of security.

Once your bank account is linked, you can choose to pay with PayPal at checkout on various websites. This way, you can make purchases on websites that accept PayPal as a payment method rather than a bank account.

2. Use a virtual card

Most banks give their customers the option of creating a virtual credit/debit card for their purchases instead of using their real card details. So theoretically you could apply for and create a virtual credit/debit card instantly to use for your online purchases if your choice retailer doesn’t give you the option of using a bank account to pay.

3. Prepaid card

This might be a little bit of a chore, but if you already own a prepaid debit card, you could simply fund it using your bank account for the amount of your order and then use it. However, this might be too much of a hassle if you don’t have a prepaid card thus requiring you to make a run down to the closest convenience store.

4. Friend or family

As a last resort, you could simply borrow a friend’s credit/debit card and make a transfer to them for the amount of your order, or have a friend use their card and deliver to your address and then transfer the money back.

Now that we’ve gotten that out of the way, it’s time to talk about those online platforms that allow people to order food with bank account.

What to Do Before Ordering Food with Bank Account

Now, in case you actually find a food delivery service that actually allows bank accounts as a mode of payment, then there are a few things that you need to do before using your checking account number to order food online.

1. Verify that the restaurant or food vendor accepts bank /checking account payments.

You can do this by taking a look at either the ‘FAQ’, ‘Help’ About Us, ‘Contact Center’, or ‘Terms and Conditions’ sections of their websites. You can also chat them up if you can’t find any info about their payment methods on any of the pages/sections aforementioned.

2. Create your account

If you’re a first time user of a food delivery service, you need to create and verify your account before you can order food from them with your checking account.

3. Enter your bank account information

Once you create your account, if that food delivery service accepts bank accounts as a mode of payment then you will need to input your bank account information.

You can use your account to order food online only after you’ve done this. Typically, you’ll need to enter your bank account number and your bank routing number. We have also covered some of the stores that will take your account and routing number for purchases.

4. Verify your identity

You’ll need to complete a form and provide document(s) to prove your identity, like a driver’s license verifying you are who you say you are. Once your bank account and identity have been verified, you are ready. You are good to order food online using your checking account number.

5. Make your payment

Lastly, go ahead to confirm the payment has been processed and the correct amount has been debited from your account.

What to Look Out for When Ordering Food with Bank Account?

Consider these security tips when paying for food with your bank account number:

  • Link your bank account to a reputable payment service or mobile wallet such as PayPal, Venmo, and Cash App.
  • Spring for a virtual card if you can. Trust us on this.
  • Monitor your bank account regularly for any unauthorized activity or suspicious transactions.
  • Consider setting up fraud alerts or notifications through your bank.
  • You don’t need to call up the food delivery service to tell them you’re going to be paying with a bank account. The use of PayPal or a virtual card already negated this. So, you don’t need to share your bank account information with anyone.

Frequently Asked Questions

Is it safe to pay for food with my bank account number?

Yes, paying for food with your bank account number is safe and secure. This is because bank transfers are processed through secure networks and are subject to strict regulations. Hence the reason we recommend linking a bank account to your PayPal account.

Can I do cash on delivery?

Yes, you can do cash on delivery provided the food delivery service offers this option. Although, you might need to provide an ID at the point of delivery in certain cases.

Final Thoughts

Paying for food with your bank account can be a simple, convenient, and cost-effective option. It comes in handy, especially if for some reason you don’t have cash or want to avoid using your credit or debit card altogether. All you have to do is to follow the steps outlined in this article and, you’ll be able to safely and securely order food with your bank account online.

Read alsoFood Places That Accept Checks Online and Your Options

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Written by
Jim Marous

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 Blueopes Finance, writing on a lot of topics regarding payments, banking software, cards, and investing.

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