How to Pay with Checks Online: A Complete Guide + List of Stores

In today's digital age, the traditional paper check may seem like an outdated payment method. However, paying with checks online is still a viable option for many individuals and businesses. Whether you need to pay a bill, send money to a friend, or make a purchase, being able to pay with checks online can provide a secure and convenient alternative to other electronic payment methods.

Before we continue, check these stores that let you pay with your checks online conveniently.

The Benefits of Paying with Checks Online

There are several advantages to paying with checks online:

1. Security: Online check payments are generally considered more secure than sharing sensitive financial information like credit card numbers online. Checks do not expose your account details to the recipient.
2. Convenience: You can schedule check payments in advance and avoid the hassle of mailing physical checks. This is especially useful for recurring bills or payments.
3. Record-keeping: Online check payments provide a digital paper trail that can simplify your bookkeeping and financial record-keeping.
4. Flexibility: Many billers and service providers accept check payments online, giving you more options for how to pay.

How to Pay with Checks Online

There are three main ways of paying with checks online, they include:

1. Use Electronic Check

Also known as an eCheck, this method allows you to authorize a direct debit from your checking account. You provide your bank account and routing numbers, and the payment is processed electronically.

Services like OnlineCheckWriter.com allow you to create and send electronic checks online. The recipient can then print the check and deposit it like a regular paper check. This provides a digital alternative to mailing paper checks.

2. Use Online Bill Pay

Your bank or credit union may offer an online bill pay service that allows you to schedule check payments to be mailed on your behalf. This is a convenient option if you don't want to share your account information directly with the recipient.

To get started, you'll need to have your checking account information, the payee's name and mailing address, and the payment amount. Follow the instructions provided by your bank or the biller to complete the transaction.

3. Use a Digital Payment Service

Most digital payment services nowadays offer check cashing services. PayPal, for example, is one of the most popular payment services that's accepted worldwide. You can use its check cashing service to cash your checks to your account and then use the funds for your shopping need wherever PayPal is accepted. It is a very practical method.

Where Can I Pay With Check Online?

Many online stores accept check payments either directly or indirectly. Here are some of the places where you can pay with your checks online:

1. Amazon - Allows check payments through their Amazon Pay service.
2. Walmart - Accepts checks for online purchases.
3. QVC - Accepts checks for online orders on their home shopping platform.
4. L.L.Bean - Accepts checks for online orders on their outdoor and apparel website.
5. Overstock - Accepts checks as a payment option on their online home goods and furniture store.
6. Newegg - Allows check payments for their online electronics and tech products.
7. B&H Photo Video - Accepts checks for camera and electronics purchases on their website.
8. Bass Pro Shops - Accepts checks for their outdoor and fishing supplies sold online.
9. Cabela's - Another outdoor and hunting retailer that accepts checks for online orders.
10. Sears - Although struggling financially, still accepts checks for online purchases.
11. American Eagle Outfitters - Accepts checks as a payment method on their clothing website.
12. Staples - Allows check payments for office supplies and other products on their online store.

Can I Pay with Check Online at Walmart?

Yes, you can pay with your checks online at Walmart. Walmart.com accepts electronic checks for payment through Certegy Inc

Considerations When Paying with Checks Online

While paying with checks online can be a useful option, there are a few things to keep in mind:

• Processing Time: Online check payments may take longer to clear than other electronic payment methods, so be sure to allow enough time for the payment to be received and processed.
• Fees: Some billers or service providers may charge a fee for accepting check payments online. Be sure to understand any associated costs before making a payment.
• Fraud Prevention: Take steps to protect yourself from check fraud, such as using a secure connection, verifying the payee's information, and monitoring your account for any unauthorized activity.

Conclusion

Paying with checks online can be a convenient and secure way to manage your finances, whether you're paying bills, sending money to friends and family, or making purchases. By understanding the benefits and considerations of this payment method, you can make informed decisions about when and how to use online check payments to best suit your needs. Remember to always exercise caution when sharing your financial information online and to keep a close eye on your accounts to prevent any unauthorized activity.