How to Make Online Purchases Using a Checking Account

By Contributing Writer

  • Overview

    A checking account is a fairly versatile asset for a shopper. Those with valid checking accounts have purchasing power that is only rivaled by those with credit card accounts. When you make purchases with a checking account, you need to make sure you have enough funds in your account. If you don't, you will face additional fees for the overdraft on your account. You can use your checking account to make purchases online by using one of a few avenues.
    • Step 1

      Pay for your online order with the debit card associated with your checking account. Most checking accounts offer corresponding Visa or Mastercard debit cards that can be used like a credit card. In fact, you don't even need to tell the online retailer that you are even using a debit card. You may simply tell them you are using a credit card and go ahead with your purchase. To do this, simply give the retailer your debit card number, expiration date and the security code on the back of your card.
    • Step 2

      Ask the retailer if they would accept a check over the phone. Many online retailers offer a check over the phone option for their customers as a convenience courtesy. If the retailer does accept a check over the phone, call the retailer and provide them with the routing number, account number and check number that you wish to use for the transaction. The retailer may then confirm the purchase with the bank.


    • Step 3

      Send the online retailer a physical check from your checking account. If you make a purchase by doing this, it may take a few extra days for you to receive your purchased items from the online retailer. But you will be able to make the purchase. Make out the check to the name of the retailer, fill out the amount for the purchase and sign the check. Mail the check to the retailer.
    • Step 4

      Look for an online retailer that accepts Paypal or eChecks. These retailers will accept a check for payment without you even having to call in the order. When you check out for your purchase, you will type in the routing number, account number and check number of your checking account. The system will then approve your payment.
    • Step 5

      Check your checking account to make sure the payment was made. Record the payment in your check registry as you normally would to keep track of checks that need to clear.
    • Skill: Moderately Easy

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