With the advancement of technology, the money transfer system has also received many updates. Now, we do not need cash or a card to pay for certain purchases or services. Making a payment with routing and account numbers is a lucrative payment solution among all the advanced facilities. But, this facility comes up with a question of what sites you can pay with routing and account number. In this article, we are going to inform you about those sites while covering some other relevant aspects.
What Is Routing Number?
The numerical 9-digit code is known as the routing number. You can easily find it by examining your cheques. Each cheque contains the routing number at the bottom part of it. However, a routing number is alternatively called the ABA routing number as the American Bankers Association generates the number.
The consisting nine digits distinguish and identify particular banks operating within the United States. This numeric identifier serves as evidence of a bank’s federal or state charter status. The routing number also confirms its account affiliation with the Federal Reserve.
Is It Possible to Pay With Routing and Account Number?
Yes, it is definitely possible to pay with your bank account number and the associated routing number. In banking terms, there is a payment facility which is called Automated Clearing House. It is well known as the ACH payment system. In this payment procedure, you provide your bank account and routing number to the restaurant, shop, or any other facility that accepts ACH payments.
The recipient party’s bank communicates to your bank electronically. It is like a bulk amount of digital mail sending. The bank consolidates every transfer request into a message included within a batch of outgoing mail when initiating the request.
Finally, the outlet or shop’s bank receives the claimed amount within three business days. But, within this time, the claimed amount has been blocked by your bank. You get the notification once the final transcription is done.
How Can I Find My Routing and Account Number?
Finding your bank account number and routing number is very easy. Here, we are elaborating on two easy approaches.
1. Using Physical Cheque
Look at the bottom part of a physical check for the respective bank account. The nine digits starting from the left-hand side is the routing number of your bank account. After the 9-digit number, you will see 10-12 digits. This is your bank account number.
2. Using Monthly Statement
Just download the e-statement of your bank account. In the upper right corner, you will see various data. Here, the routing and account numbers are also mentioned.
How to Pay With Routing and Account Number
Here, we consider that you are paying at a physical and online store with routing and account numbers.
1. At Physical Store
- Ask for the bill. Review the bill to ensure the charged amount is correct.
- Provide the cashier with your bank account number and routing number.
- The cashier will initiate the ACH payment process from their end.
- The money will be transferred promptly if your bank and the physical store’s bank are the same. You will receive a notification about the deduction of the respective amount.
- If the banks are different, it will take 1-3 business days to transfer the money from your account to the store’s bank account. However, during this period, you won’t be able to use the respective amount as your bank will block it.
2. At Online Store
- Go to the respective website.
- Select the products. Then, add the selected items to the cart.
- During checkout, select bank account as the payment method.
- Insert the bank account number and routing number.
- You are good to go. Start waiting for the arrival of the ordered items.
Top List of Sites You Can Pay With Routing and Account Number
Just a few years back, almost every online store only accepted PayPal and credit cards as payment methods. With the passage of time, these online shops have understood that they must diversify their payment method to fight against the brick-mortar stores. As a result, most prominent online stores are now accepting payments through various mediums like checking accounts, mobile money apps, e-cheques, etc.
The following is the list of sites that accept payment with routing and account number. We must mention that some stores accept payment with your bank account number and routing number if you use PayPal or a Debit card as a bridge.
1. Amazon
It is undeniable that Amazon is the world’s leading online store. At this site, you can purchase any item. It has an unimaginable variety of products, ranging from household items to car parts. This online store accepts ACH payments.
2. Walmart
Even though the physical outlets of Walmart are more popular, you can use its online version as well to purchase things and pay with routing and account numbers.
3. Target
It is just similar to Walmart. We have found this store budget-friendly in comparison to others. However, you can purchase at Target’s online store and pay by the account and routing numbers via PayPal.
4. Macy’s
This online store is well-known for purchasing fashion and beauty items. It also accepts payment via PayPal by using the bank account and routing number.
5. eBay
It updates its product listing each month, which is highly suitable for shoppers as there is no issue related to out-of-stock. Also, eBay accepts payment using your bank account number and associated routing number. Here, you have to link PayPal with the bank account by using the number and routing number.
6. Best Buy
Though Amazon has eaten most customers for Best Buy, it is still promising. People continue to shop at Best Buy for various reasons, such as getting result-oriented advice, physically experiencing products, and comparing options. The most amazing thing is that it accepts payments with account and routing numbers by using a mobile money app as a bridge.
7. Etsy
Shopping at Etsy.com is an amazing experience. You can select from a vast array of handmade, vintage, etc., products that numerous independent sellers manufacture. This online seller accepts payment with routing and account number.
8. Kmart
This online facility is renowned for selling products at very low prices without compromising on quality. It accepts payment via ACH.
9. Microsoft Store
Here, you get all of Microsoft’s products and their updates as well. The stores allow you to pay via routing and account numbers.
10. Nordstrom
This online store is highly suitable for trendy items, including clothes, shoes, etc. Also, you can pay using the account and routing number via PayPal. The online stores listed below accept payment with a bank account and routing numbers. Also, at some stores, you need to use PayPal or Mobile Money App as the bridge.
Here is the more online sites you can pay with routing and account number.
- Alibaba
- Netflix
- Spotify
- Prism
- Google Express
- QVC Online Store
- Abercrombie & Fitch
- Bloomingdale’s
Is It Safe to Shop Online and Pay With Your Account and Routing Number?
Our expert observation says making payments for online shopping with a bank account and routing number is not that safe. If it is only the account number, then the security of your financial data and funds is still okay. But, when you insert both account and routing numbers, there is a crucial security concern.
Even though the leading online stores claim that the payment process is totally secure, there are several stories of fraudulent activities. To cut a long story short, payment with the routing and account number at any online store is not secure enough. We highly recommend you use the debit card associated with your bank account to make the payment.
Final Words
We hope that now you know the sites you can pay with routing and account number. Online stores like Amazon, Walmart, etc., accept this mode of payment. However, in consideration of the safety of your financial data and funds, we suggest you use PayPal or a debit card to make online purchases.
People Also Ask
With only a routing number, you won’t be able to send money to another’s account. In this case, you need to use the routing number along with the account number and link the account with any mobile money app if you are not going for a bank-to-bank transfer.
You cannot withdraw money only with the account and routing number. To withdraw funds, you need the routing number, account number, name, bank name, social security number, phone number, and email address.
Yes, you can do instant money transfers with routing and account numbers. In this case, your account needs to be linked with financial services like PayPal, Cash App, etc.
You can pay for nearly everything you want. Still, you need to meet two criteria. First, your account must have sufficient balance. Second, the payment recipient entity is equipped with an ACH facility.
No one can withdraw money with only the account number and IFSC code. If it is a scamming activity, the bank will still send an OTP to the user to authenticate the withdrawal, and the payment will not be processed.
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Amanda Smith is a professional personal finance and sustainability writer who enjoys writing about everything from Banking to unique Financing options like all kind of banking and Personal finance. You can find his work on sites like Transfer Money, Debit card, Credit Card.