How to Pay with Checking Account Number for Hotel [Steps]

By Jim Marous 8 Min Read

Indeed, you can pay with checking account number for hotel. Checking account number to make a payment is one such choice that is gaining acceptance. Fortunately, most hotels are not left behind. This method allows you to pay without a credit card or another type of third-party payment provider but directly from your bank account. For this article, we have prepared valuable guidance to help you pay for hotel stay with your checking account.

Pay with checking account number for hotel – Possible?

Pay with checking account number for hotel

Usually, you can’t make a hotel reservation with cash, a personal check, or a money order — per GBR. Why? That’s because hotels want to make sure incidentals and damages are covered by your credit card.

These payment options are usually reserved for paying your final bill, as hotels generally require a payment card to secure your reservation and will often require a deposit on that card

But that’s not to say that some hotels do not accept credit cards, debit cards, cash, and sometimes even checks as payment methods. 

Most hotels accept credit cards and debit cards, and major credit cards like Visa, Mastercard, and American Express. Some hotels may also take prepaid cards or gift cards, but you should call the hotel ahead of time to make sure they will take your card.

Some also take cash, but some will want to keep a credit card on file as a protection deposit. Keep in mind that some hotels may ask for a deposit when you check in. Usually, this deposit is repaid when you check out, as long as there are no damage or unpaid charges. Also, some hotels charge a resort fee or other fees that aren’t included in the initial room rate, so be sure to look over the details of your ticket and talk to the hotel before your stay to make sure you understand the payment terms. 

Can I pay for my hotel room with a checking account?

Yes, in most cases, you can pay with checking account number for hotel. However, note that this payment method is not as commonly accepted as credit or debit cards. If you plan to pay with checking account for your hotel room, you should call the hotel ahead of time to make sure they accept this form of payment. Some hotels will also ask for a legal ID and a credit card as a backup way to pay in case your checking account has problems.

When paying for a hotel room with a checking account, provide your bank’s routing number and your account number as required. Also, note that the hotel may place a hold on the funds in your checking account for the duration of your stay, so be sure to budget accordingly. 

Keep an eye on your account balance and ensure you have enough money to cover the cost of your hotel stay, as not having enough money can lead to overdraft fees and other charges.

How to pay with checking account number for hotel

As I said earlier, to pay with checking account number for hotel room, you need to enter both the bank routing and the account number. These can be found at the bottom of your check. You can also provide your home address and driver’s license or state ID number for additional security.

To pay with checking account number for hotel bookings, follow these straightforward steps:

  • Locate your account number and routing number.
  • Change your bill payment method to “ACH payments” and provide your banking information in the appropriate fields.
  • Initiate the ACH transfer process at least a few days before the bill’s due date.
  • Choose to either set up a recurring payment or make a one-time payment.

Having said that, there are a few things you should bear in mind while making your reservations.

Firstly, it’s advisable to do extensive browsing before making any reservations. Some hotels may not accept a checking account number as a form of payment, especially smaller hotels. However, major hotels usually offer this option, so it’s best not to assume that all hotels will accept it. It’s always better to err on the side of caution and be safe rather than sorry.

Once you are absolutely certain that the hotels accept checking account numbers as payment, it’s still a good idea to have an alternate form of payment on hand. This is because hotels may require a credit card for additional services such as room service or laundry service.

Lastly, when you pay with checking account number for hotel, request a receipt from the hotel management as soon as you provide your checking account number. Keep track of your expenses and bills throughout your stay to help you avoid any inconveniences. Having a receipt at the end of your stay will be incredibly useful.

Read also: some online stores will take your check

Hotels that accept payments with checking account number

Many hotels allow payments with checking account. At check-in, you must submit your account number and routing number, then the hotel will charge your account for the duration of your stay.

When you use a checking account to book a hotel room, the funds will be temporarily unavailable for other expenses. After checking out, it can take 15 days or more for the funds to be released.

If you do not have a credit card to fall back on, using a checking account for payment could put you at risk of accruing debt. Therefore, negotiate with the hotel before booking and inquire about using your account’s debit card instead.

Remember that not all hotels accept checking accounts as a form of payment, so confirm with the hotel in advance. 

Here is a list of some hotels that allow you to pay with checking account.

  • Best Western Plus Hotel
  • Cambria Hotel
  • Candlewood Suites
  • Clarion Inn
  • Cobblestone Hotels & Suites
  • Copperleaf Boutique Hotel & Spa
  • Econo Lodge
  • Fairfield Inn & Suites by Marriott
  • Four Points by Sheraton
  • Hilton Appleton Paper Valley
  • Howard Johnson by Wyndham
  • La Quinta Inn & Suites by Wyndham
  • Quality Inn and Suites
  • Rodeway Inn
  • Suburban Extended Stay Hotels

Read also: method to link bank accounts (no ID)


Paying with a checking account number for a hotel stay is a safe and easy choice

for people who don’t want to use credit cards or other payment methods. It lets travelers pay for their stay straight from their bank account, so they don’t have to pay interest or other fees that come with using a credit card. However, you need to ensure that a hotel is trustworthy and real before giving private banking information to the hotel.

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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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