13 Online Stores That Accept Routing and Account Numbers [2023]

By Jim Marous 15 Min Read

Many shoppers now prefer to shop online rather than through traditional stores. To stay up with the development, stores now offer more payment options, and online stores accept routing and account numbers for the buyer’s convenience. While there are multiple stores out there that accept routing and account number payments, some just stand out as the best. We’ve been able to make a proper compilation of the top stores to help you make the proper decision.

What online stores accept routing and account number?

What online stores accept routing and account number

Many online stores accept routing and account number but just a few stand out. check out the options below:

1. Amazon.com

Amazon is a well-known e-commerce giant that offers a vast range of products, from clothing to electronic accessories, and provides cloud services. As the largest online retailer, Amazon offers a variety of payment options to suit every user’s convenience, including the ability to pay with your checking account.

If you have an Amazon account and an ACH-approved checking account, you can save your checking account details in your profile and use them to make purchases on Amazon. However, please note that only bank accounts are accepted for payment, and foreign accounts from countries other than the United States are not allowed. Also, savings or corporate accounts cannot be used for payments.

Once you’ve saved your checking account information and provided proper state identification, you can use it to make purchases on Amazon. If you open a new account or switch banks, you can easily modify your information accordingly.

  1. Google Express

Google Express is similar to Amazon but with a more Google-like search experience. Many retailers accept orders through Google Express, and delivery is available throughout the United States.

When placing an order, you can select a delivery date, and either Google or the retailer will handle shipping. Payment by check is quick and easy on Google Express. Simply go to Google Pay, link your checking account, and enter your name, routing number, and account number as they appear on your check.

  1. Walmart

With over 10,500 stores and clubs in 20 countries, Walmart is a popular retailer that offers a wide range of products, including clothing, shoes, accessories, books, movies, music, video games, arts and crafts, sewing, and party supplies.

Walmart online stores accept routing and account number and make online shopping convenient and easy, and if you prefer to use your checking account for payment, Walmart is a great option.

To use your checking account on Walmart, simply shop for your favorite items on their website and proceed to checkout. At checkout:

  • Select “pay with cash” 
  • Choose “Pay with checking account” to enter your routing and account numbers
  • Once you confirm your order, you’re all set
  1. Microsoft Store

The Microsoft Store is a digital distribution platform run by Microsoft, originally created as an app store for Windows 8 and Windows Server 2012 to distribute Universal Windows Platform apps.

If you want to use your checking account (routing number and account number) to shop online at the Microsoft Store, follow these steps:

  • Log into your Microsoft account and go to the “Payment & Billing” tab.
  • Select “Payment Options” and then click “Add a Payment Option.”
  • Choose “Bank Account” and provide your name, account number, routing number, and address
  1. Target.com

Target is primarily a chain of physical stores and these online stores accept routing and account numbers and are located across the USA that accept routing and account number. Your account just has to be ACH enabled.

To make purchases, provide your checking account’s routing and account numbers. Alternatively, you can create a secure mobile payment account, such as PayPal and Cash App and wait for at least a week before making payments. Finally, link your checking account with the mobile payment to enable online payments with your routing and account number.

  1. Best Buy

Best Buy offers a diverse range of products and accepts payments via checking account, routing and account numbers, PayPal, and E-checks. Using PayPal to pay for your purchases is a seamless option as it does not require a link to your checking account. This makes for a faster and smoother shopping experience.

Generally, however, your PayPal account doesn’t have an account number or a routing number — PayPal. The email address that you use to log in is the main identifier of your account. Then the checking account you link to your PayPal is what makes it possible to use your routing and account number to shop online.

  1. Macy’s

Macy’s offers both online and traditional shopping options. In addition, it provides the convenience of paying through routing and account numbers. You can add your checking account and routing number to PayPal and use it to purchase products from Macy’s.

  1. Overstock

Try Overstock, this is one of the online stores that accept routing and account number and offers a straightforward payment process, including the option to pay with routing and account numbers. This feature is easily accessible on the website, so there’s no need to worry if you only have a checking account.

  1. Abercrombie & Fitch

Abercrombie & Fitch allows customers to pay using their checking account via PayPal’s cash app.

However, some additional fees may apply. Once you have added items to your cart, proceed to checkout and log in to your PayPal account. Follow the standard procedure and add your online checking account if you don’t have a personal bank account. Note that this option is free.

  1. AVON Representatives

AVON Representatives online stores accept routing and account numbers allow you to shop for your favorite items online and make payments conveniently through your routing and account number. However, to use AVON’s e-check account, you must register a PayPal account and link it to your checking account.

AVON also accepts payments through various credit cards, including Visa, MasterCard, and Discover Card. Meanwhile, you can get to earn a credit score of $200-$250 by signing up with your routing and account number, and a social security number is required for tax purposes to receive bonus checks.

  1. Nordstrom

To purchase goods online from Nordstrom, you will need to use your routing and account number to make payments through e-checks. Nordstrom also accepts payments through their own credit card, which can be accessed by entering your card number, security code, full legal name, and the last four digits of your social security number.

For a smooth user experience, make sure you have a reliable and secure internet connection and follow the instructions carefully on the Nordstrom website to complete your purchase.

  1. Bloomingdale

Speaking of what online stores accept routing and account number, Bloomingdale comes in. They offer a seamless online shopping experience for its customers.

This retailer has a direct integration with the PayPal network, which allows you to pay using their PayPal account, routing, and checking account numbers.

While credit and debit cards are also accepted, payments can only be made through PayPal. Bloomingdale follows standard procedures to ensure a smooth and hassle-free checkout process for its customers. It’s generally safe to shop on this online store.

  1. QVC Online Store

Last but not least is the QVC Online Store. If you prefer to pay using your routing and account numbers, you can do so at QVC’s online store by mailing a check. However, this method may take longer. During checkout, select the ‘check/money order’ option and send your check by mail to the store merchant.

Read also: updated online sites that accept credit

How to find Your routing and account number?

Before making purchases, it is essential to locate your routing and account number. Your account number identifies your account, while your routing number identifies your bank, and both are necessary for online shopping.

Several methods are available to find your checking routing and account number. Here are some of the most effective ways:

  1. You can find it on checks

When checking a check, locate the three sets of numbers in the bottom left-hand corner. The leftmost set is your routing number, followed by your checking account number, and the rightmost set is your check number.

  1. On online banking platforms

If you have enrolled for online banking, your routing and account numbers can be found with your other account information. Typically, they are displayed at the top of your account page. If not, you can access an e-statement and select any month to view them.

  1. At the top of your monthly statements

Your checking account numbers are likely printed at the top of your monthly statements, whether they are received through the mail or online.

  1. Visit your local bank

If the above methods fail, you may have to visit your local bank branch as a last resort to obtain your checking account number. Remember to bring your identification documents with you.

Can I shop online stores with my account and routing number?

Yes, it is possible to pay for online purchases using your routing and account number on online stores that accept them. Some online stores accept routing and account numbers, so make sure to use them for your purchases.

This payment method is not only secure but also convenient, which is why many people choose it over using a bank card.

To use this payment method, ensure that you have enough funds in your account to cover the transaction. You can also link your checking account to a payment service such as Cash App, Venmo, or PayPal, which is accepted by many online stores, to make payments more convenient.

How to pay online stores with routing and account number

Paying for online purchases using routing and account numbers is a straightforward process that you can easily master. 

To pay with routing and account numbers, use the following simple steps:

  • Visit an online store that accepts payments through checking accounts.
  • Add the items you want to buy to your shopping cart.
  • At checkout, select the option to pay with a checking account using PayPal, e-check, or paper check.
  • Enter your bank account details, including the routing and account numbers, and any other required information.
  • Click on “Continue” or a similar button to complete the payment


Can I shop online with my account and routing number?

Yes, you can shop online with your account and routing number. This depends on the policies of the retailer you’re purchasing from. However, popular online stores such as Amazon, Walmart, Normstock, and others mentioned in this article accept payments through these methods, so you can use them to shop online.

What can you pay with account and routing number?

Certain bills such as credit card payments or utilities are paid using account and routing number

What stores can I make a purchase via checking account online?

The online stores listed in this article, including Amazon, Walmart, Google Express, and Target.com, offer the option to make purchases using a checking account online

What app can I send money with routing and account number without verification?

You can use PayPal, Google Pay, Zelle, Apple Pay, Venmo, Cash App, Western Union, and Remitly to send money with routing and account number without verification.

Read also: I’ve explained what Non VBV cards really mean


This is a complete list of online stores that accept routing and account numbers. Many others are left, and the post will continue to be updated as we discover more. If you need more of this information, consider subscribing to the newsletter and having them delivered to your email inbox.

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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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