Online Shopping Stores That Accept Pay With eChecks


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Online checks (also known as eChecks) are a faster, more secure way to shop online. Electronic checks are becoming increasingly popular as the number of people who shop on the internet increases. It’s an easy and convenient way to shop without having to worry about carrying cash or using your credit card. Plus, eChecks don’t require you to enter any personal information, making them extremely safe for use online.

There are a lot of ways you can pay with electronic checks online for goods. Whether through your bank or PayPal, there are several ways to make electronic check payments when shopping online. Many online shopping stores accept pay with eChecks, including Walmart, Wayfair, QVC, Amazon, eBay, and more.

This article will detail the process of shopping online and paying with eChecks, along with stores that accept them as a payment option.

How to Shop Online and Pay with a Checking Account

If you love to shop online, you’re in luck because eChecks are more widely accepted than ever. You can find instant online check cashing places and then shop online with eChecks immediately. For shopping online, you can use your personal checking account to shop on the internet.

how to shop online and pay with a checking account

The process to pay with an eCheck online is simple:

  • Shop as you would normally.
  • Check out by entering your bank routing number and checking account information
  • The stores at which you shop will pass this information on to a payment option.

For shoppers not familiar with eChecks, they are an electronic version of a regular check. You can read in detail about what is an eCheck and how does it work for specifics.

Top Ways to Pay With a Checking Account Online

Paying with a checking account online involves transferring your check to an online store. This is a safe and secure way to shop on the internet.

There are three basic ways to pay with your checking account online: link your checking account to your bank, link your checking account to PayPal, or shop on stores that accept pay with eCheck.

Link Your Checking Account with Your Bank

If you shop using an online store that accepts only one type of payment, most likely, it will allow you access to direct checkout through your bank’s website. Even if you have starter checks, this process will work as long as you have an account. This is the simplest way to shop online because all you have to do is shop as before and go through the checkout process.

  • This process is called “banking online,” and banks have dedicated sections on their website for this purpose.

Many retail stores accept using a checking account, so shop around and see what different sites offer.

Link Your Checking Account with PayPal

If the shop only accepts PayPal, then you can still shop using a checking account through PayPal. However, instead of directly linking your checking account, shop as you usually would and connect your PayPal to your bank.

PayPal will pay for the shop using your linked checking account, and there will be no direct transfer of your checking account information. It’s a great way to send money anonymously with PayPal safely.

Shop on Stores That Accept eCheck

Finally, many retailers accept an eCheck as a payment option. This means that you shop just as before, shop at your favorite stores, and go through the checkout process.

Once you get there, the shop will request your routing number and checking account number. This is how they transfer your eCheck payment to them electronically. Make sure you have cash in your checking account. There are many check cashing apps that don’t use Ingo if you are worried about that.

Shopping Stores That Accept Pay with eCheck

If you are wondering where can I shop online with eChecks, you have a lot of options. Below are some top retailers that provide an eCheck payment option. Keep in mind that some shops only allow the direct transfer, whereas others will request your bank information for transfers via PayPal or an online banking website.

Online retailers that accept pay with echeck

Walmart

Walmart offers an option to shop using your checking account online and also accepts eCheck payments. Shop at Walmart going through the checkout process. At this point, you must choose an alternate payment method or link your bank account directly to Walmart’s website.

If you choose PayPal, then there is no need to worry about linking your checking account. If you choose direct transfer using your online banking site, you will have to provide standard information such as routing number and checking account number for the shop to complete your purchase.

Wayfair

Wayfair is a famous shop that offers an eCheck payment option on its website and allows customers a PayPal option. You shop as you usually would, shop at Wayfair going through the checkout process.

Amazon

The king of online shopping stores, Amazon, accepts an eCheck as a payment option. There are no requirements for using your checking account; you shop at Amazon and go through the checkout process. At Amazon, you can shop quickly and easily with your checking account.

However, there were many things I stopped buying at Amazon recently to save money and increase my household budget.

Oriental Trading

Famous for party items, Oriental Trading offers an option to shop using your checking account. Choose PayPal as the payment method or shop directly through your online banking website. Since this shop does not offer eCheck payments, there is no need for you to link your bank account during checkout. You will have to use PayPal for this purchase.

eBay

Some sellers on eBay allow you to shop using your checking account. Because of the risk involved, this is an option that has to be chosen by the shop owner so shop around for sellers on eBay who allow an eCheck as a payment method.

eBay offers an eCheck payment option on some listings, but not all listings provide this service. For those that do, shop and pay for items directly through eBay and do not link your checking account.

Using an eCheck to shop online is a very secure way to shop. Many retailers accept this form of payment, so shop around and see what works best for you.

Target

Retailer Target also accepts eCheck. If you shop through their website, the shop will request your routing number and checking account number to complete payment on your purchase.

Sears

Sears offers an option to shop using an eCheck online. Shop and go through the Sears checkout process. Once there, select PayPal as the payment method or shop directly through your online banking website.

Vistaprint

You can use an eCheck to shop at Vistaprint. Vistaprint offers its customers an option of paying using a checking account. Shop at Vistaprint going through the checkout process and shop directly with your online banking website or shop using PayPal, whichever works best for you.

Cabela’s

Another option for those who shop at Cabela’s is to shop using your checking account. Choose either PayPal as the payment method or shop directly through your online banking website and link your checking account during the checkout process.

Cabela’s is great for outdoor enthusiasts as they offer fishing equipment, hunting equipment, and other recreational items.

Etsy

Use your checking account to shop at Etsy. Shop from one of the many stores using our website going through the checkout process. If a shop offers this option, select PayPal as the payment method or shop directly with your online banking website, whichever shop provides this service. Etsy has many unique items to shop for.

B&H

For photo and video enthusiasts, shop B&H online shop using your checking account. Choose PayPal as the payment method or shop directly through your online banking website. You shop at B&H going through the checkout process, and shop using your checking account information.

Neiman Marcus

The refined shop Neiman Marcus offers an option to shop using your eCheck online. The shop provides an alternative to shop using PayPal. Neiman Marcus is a shop that specializes in luxury items and other finery for those seeking a more refined lifestyle.

Dell

One of the largest computer shops offering an eCheck payment option is Dell. You can shop at Dell going through the checkout process and the eCheck payment gateway. If your account is registered, you can shop directly through your online banking website.

Nordstrom

Nordstrom offers an option to pay with eCheck. If you shop through their website, the shop will request your routing number and checking account number to complete payment on your purchase. Nordstrom has an online store that offers many great items like clothes, shoes, and jewelry for all families.

Overstock

Another option for those shopping at Overstock is to pay with eCheck. If you want to use this form of payment, the shop will request your routing number and checking account number to complete payment on your purchase. Overstock has a great store that offers countless items, including furniture, clothing for men and women, sporting equipment, tools, and more.

AVON

AVON representatives are busy selling products through home parties and events, but you can always shop online. If you have an AVON representative, use your eCheck account to pay for your purchases. You may be able to use PayPal, but be sure to check with your representative if you have any questions. If not, use your checking account to pay for your purchases and take advantage of this option.

Online Shopping Stores That Don’t Accept eChecks or PayPal

Some online shopping stores don’t allow you to shop using eChecks or PayPal, so you’ll have to use another payment method when checking out. The stores that can’t accept eChecks are usually smaller shops with an older website because the owner has not updated their website to process payments online.

Staples

If you’re shopping at Staples using your eCheck, then you can shop directly through your online banking website or use PayPal. However, if you want to purchase with your checking account through their website, the payment might not go through. It’s best to try another method of payment like debit or credit cards.

Sports Authority

The sports equipment retailer doesn’t offer eChecks as a form of payment when shopping online. You can still pay for all of your purchases by using debit cards and credit cards during the checkout process.

Freddie Mac

Purchase items from Freddie Mac using any available options: Visa, MasterCard, American Express, or Discover during the checkout process. If you don’t have access to credit cards or debit cards, you can still pay for your purchases through money order or check.

Burlington Coat Factory

If you’re looking to purchase items from Burlington Coat Factory online, Visa, MasterCard, Discover, and American Express are the best payment method. If you don’t have easy access to credit cards or debit cards, then money orders are available as an option.

Best Buy

The big-box retailer offers Echecks as a form of payment for those shopping at Best Buy stores but not when shopping at their website. PayPal is the only way to make payment when shopping online. You can use debit or credit cards during checkout if you want additional protection over using eCheck might be declined due to verification concerns.

Kohl’s

Although eCheck is available as a form of payment at Kohl’s stores, it’s not an option when making purchases online. The best way to shop for items at Kohl’s is through debit or credit cards. You can also purchase money orders if you want additional protection over shopping with your checking account.

Sportsman’s Warehouse

If you’re looking to purchase items from Sportsman’s Warehouse online, the only option available is Visa, MasterCard, and Discover. There isn’t an option to shop with an eCheck, so that’s why it’s best to use one of these three other available payment methods.

Sam’s Club

Make all of your purchases at Samsclub.com by using Visa, American Express, and Discover as forms of payment during check out. If you want another protection over overpaying with your checking account online, then consider purchasing a money order near me and use that. That option is available on the website when making payments for items purchased at Sam’s Club.

Dollar General

You’ll have to use Visa, MasterCard, or Discover when checking out at Dollar General because they don’t offer the option of eCheck. If you’re looking to pay for your order with another form of payment besides credit cards, there are money orders available as well during the checkout process.

Alternatives to Shopping Online and Paying with eChecks

If you don’t want to use an eCheck or experience a debit card declined error; other options exist for completing your purchase online.

Many online stores offer buy now pay later no credit check as an option for consumers. You can buy your favorite products and don’t have to worry about covering the cost on a credit card or eCheck.

Even electronics which are considered higher ticket items, you can use this type of delayed financing. Many retailers offer no credit check cell phone financing for customers.

How to Pay for Large Purchases

If you are making a large purchase, such as a car, you have a few options. You can note the differences between a cashier’s check vs. certified check and use one of those checks.

If you don’t have access to those forms of payment, then consider using a money order but watch out for money order scams online.

Another option is to use a payment plan company such as progressive leasing. Research what is progressive leasing and how does it work for payment options.

Tips for Shopping Safe and Secure Online

Some of the best ways to ensure that your online payment information is safe and secure when shopping at online stores are to use the three credit card security tips:

  • Don’t make purchases on public Wi-Fi networks. Public Wi-Fi networks aren’t encrypted, and your payment information can be easily compromised if you’re not careful while browsing websites on a network like this. Wait until you get home or somewhere else with an encrypted connection before making any purchases.
  • Ensure there’s a lock symbol in your browser bar before entering any personal information during checkout. If it doesn’t have one, close the website immediately because it means they don’t have adequate security protections in place.
  • Only shop at well-known, trusted sites. These are the sites that are safe to use for making purchases. If you’re not sure about a site, do some research on it through customer reviews before making any purchases with them. This way, you can ensure they have adequate security protections in place.

Following these tips for shopping safely online will help prevent your payment information from being compromised. If you find your banking information has been compromised, contact your bank right away to determine the next steps you need to take. Contact the FBI to report scams online.

You can also reach out to The Federal Trade Commission for additional help on what to do next if you’re not sure. They have plenty of resources available about protecting your personal information online, including credit cards and banking information. You’ll be able to make purchases securely once again within no time at all by following their advice.

Related Questions

Is there a cost to pay by eCheck?

Typically there is not a cost to using eChecks at checkout, but it varies based on the store you’re shopping at. If you’re unsure about if there is a fee or not, then speak to customer service at that specific store where you want to shop. They should tell you whether or not there’s an additional cost associated with using this type of payment.

How long does it take for an eCheck to go through when making a purchase online?

It should only take between 1-2 business days for an eCheck payment to be processed and completed during checkout at online stores. Once you’ve submitted your payment information, they typically process it within one day so you can begin browsing products right away.

Do all banks accept eChecks?

Some banks accept eChecks as a valid form of payment, so it’s worth checking with your bank first before making your purchase. If they don’t take them, you’ll need to find another way to complete your purchase, such as applying for a PayPal account or paying directly through the website where you want to shop instead.

Is there a minimum order amount when using an eCheck?

There isn’t typically a minimum order amount that needs to be reached for an eCheck payment to go through and be completed during checkout. If you’re not sure if there is or isn’t, then contact customer support at that specific store where you want to shop. They should tell you if there’s a minimum requirement or not.

What happens if my eCheck gets declined while making a purchase?

If your eCheck gets declined while trying to make a purchase, then it might be because you had low or insufficient funds in your bank account or there was some error on their end. Make sure you know your bank’s direct deposit times, so you know if your money has been deposited. Get in touch with customer support at that specific store where you want to shop and ask them more about the issue. They should be able to guide you through getting your bank information fixed or making a different payment option for you.

Do all online shopping stores accept eChecks?

Not every online shopping store accepts eCheck as a form of payment, but plenty of stores out there do. Often, smaller stores don’t have this type of payment available because it does come with some additional risks associated with it compared to other forms such as credit cards and debit cards. This is why many larger retailers choose not to accept it to protect their customers better from potential fraud cases occurring.

Final Thoughts on Paying with Electronic Checks 

Many online shopping stores allow you to pay for your items through eCheck, which is a great way to securely make purchases on the internet. Make sure you’re aware of the risks involved with it before making any purchases, and also check if there are additional fees associated with it by reading their store policies beforehand.

pay by electronic check online shopping

If you want to shop at a specific store that doesn’t accept this payment type, then find out what other options are available. Most stores will offer credit cards, applying for a PayPal account, or paying directly through the website instead.

BG Vance

For over 20 years, BG Vance has been a leader in public and personal financial management. He's developed and managed public budgets in excess of hundreds of millions of dollars. He is passionate about the FIRE movement and was featured in the Detroit News in 2001 about saving for retirement. Through the years, he's assisted families and individuals with getting their finances on track. He holds an MPA, is a licensed Realtor, and is currently working on a book about personal finance.

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