Gift Cards

Buy Gift Cards Online With Checking Account On These 10 Amazing Sites!

The best gift that you can think of for your lovers is a gift of their choice. Due to this, gift cards are so popular! Seeing the massive success of buy now pay later gift cards, stores have made purchasing these online more convenient. Luckily, you can buy gift cards online with a checking account, but since this feature is now available everywhere, let’s look at some stores that allow it. 

What Will We Talk About Here?
  • Different gift cards that you can buy with checking account include the ones available at Macy’s, Amazon, Target, Walmart, etc.
  • It is also possible to buy a gift card through personal checks or via bank.
  • The remaining balance on a gift card does not expire after a purchase and you can check it via official website for the specific company.

…and Much More!

10 Best Shopping Sites Where You Can Buy Gift Cards Online With Checking Account Instantly

Similar to making other money transfers using a checking account, you can buy online gift cards with the same mode of payment as well. Let’s look at some of the best shopping websites that accept checking account payments and even purchase stuff at discounted rates using them!  

Macy’s E-Gift Card

Macy's E-Gift Card

Macy’s is a perfect spot to buy a gift for your best friend or a close family member. You can find the latest footwear here, stylish clothing lines, furniture sets, decoration pieces, and more.

Furthermore, the purchase process is relatively straightforward. You can buy the gift card at Macy’s online through their website and deliver it to the recipient’s doorstep.

  • You can purchase $10 to $1,000 gift cards in the store immediately. Macy’s accepts PayPal payments, which means you can use your account to transfer money from the bank checking account quickly.
  • The store ensures the delivery is complete within 24 hours of order placement.
  • The store offers the most updated footwear, dresses, and furniture sets.
  • It is compatible with PayPal, so you can use a checking account to complete the purchase.
  • Gift Cards at Macy’s can be personalized as per your preference.

Amazon Gift Cards

Amazon Gift Card

You can never go wrong with Amazon! It has all the products you need, and on top of that, it frequently introduces discount deals to keep customers hooked. You can purchase and send the gift card as a text or printed card.

  • When clearing the bill here, there is no need to link your PayPal account to your checking account.
  • You can pay via an ACH-enabled checking account. This would require you to provide the account number and bank routing number. In some cases, your ID number may also be needed.
  • Several deals are available every season, so you can purchase gifts at discounted rates.
  • You can pay directly via an ACH-enabled personal checking account.
  • Amazon lets you buy gift cards that suit the occasion, i.e., for a birthday, new year, anniversary, etc.

You might be interested in reading: Convert Amazon Gift Card to PayPal.

Now, more interesting part is: Gift cards are available in different themes. You can choose the design depending on what the special event is about. Moreover, it will be delivered with a message from you to the recipient.

Walmart Gift Cards

Walmart gift card

Walmart is a trendy store where you purchase and pay with a checking account. Besides a vast collection of gift items, you can buy prepaid gift cards with unique designs. Walmart stores can deliver the item to the recipient or hand-deliver it yourself. Also, it offers cash back on gift cards as well.

  • Walmart lets you choose eGift Cards. These are available from $5 to $250. You can select both gift cards and eGift cards for specific occasions.
  • You can buy a Walmart gift card with a checking account. Just provide all the needed information and press the buy button at the bottom of the page.
  • It contains all the latest gift options related to lifestyle, travel, and entertainment.
  • You can choose from hundreds of lovable and unique designs.
  • Walmart also has e-gift cards that can be delivered to recipients over email in just a couple of minutes.

Best Buy Gift Card

Best Buy Gift Card

Best Buy is one of the best places to consider when choosing gift cards. The products here range from gaming gadgets, Xbox, PlayStation, travel, movies, and more.

  • Different types of gift cards are available for up to $500.
  • Once you have chosen the one you want to send, you can have it mailed by post, email, or even get it printed to deliver it yourself.
  • You can choose between simple gift cards, electronic cards, specialty cards, and corporate gift cards.
  • $15 to $500 worth of gift cards are available. 
  • You can have the card mailed by post or sent via email.

Nordstrom Gift Card

Nordstrom is an excellent place to purchase trendy shoes, watches, clothes, and even toys for kids. It has a stylish gift card that can be bought and sent to the recipient immediately.

  • You can choose between different themes as well.
  • Another catchy feature here is that eCards can be availed at a discount. For example, if you purchase a $300 card, you get $50 for yourself. Similarly, customers who choose a $150 gift card will earn $20.
  • You can complete payments via a PayPal account efficiently and quickly.
  • eGift cards can be bought on deals with discount prices.
  • Nordstrom offers all the trendy products that you would want to buy on your special day. Gift Card is the perfect online portal for your gift hunt. You will find toys, games, houseware, footwear, clothes, appliances, etc. here. It hosts multiple gift cards, including VISA, MasterCard, or AMEX cards, and business gift cards for someone who wants to go BIG!

  • As for the discount deals, you can buy one gift card and enjoy 20% off on their App Store or iTunes gift card collection.
  • UBER, Google Play, Starbucks, and Disney gift cards are also available.
  • Special REDcard available for special occasions as a perfect gift
  • Different gift card types are available, so you can choose per your needs.
  • Special deals are always going on with discounted prices that you can avail of.

Bloomingdale’s Gift Card

You can purchase from an extensive collection of colorful, creative gift cards here meant for Christmas, birthdays, anniversaries, and other celebrations.

  • Moreover, you can easily link your checking account to your PayPal account and quickly complete the money transfer online.
  • Gift cards can be sent to the recipient via snail mail or email as you like.
  • Gift cards to suit all sorts of special days
  • Bloomingdale’s gift cards come with creative designs and colorful looks.
  • You can quickly pay via your PayPal account.

Apple Gift Card

If you are thinking of sending a gift card to an Apple user, you should definitely not miss out on this one. A gift card will let you purchase all the related gadgets, hardware, music, apps, and more.

  • Gift cards of different worth are available in their store.
  • You can choose a design and color of your liking and have it delivered instantly by post or email. All Apple gift cards are pretty stylish!
  • Perfect choice for Apple users!
  • Gift cards can be sent with a personal message or greeting you can write yourself.
  • You can choose between a plastic card or e-Card and several stylish designs.

eBay Gift Card

eBay is a massive market for toys, electronics, appliances, shows, books, etc. This platform is specifically famous for businesses and, therefore, sells quite a large of gift cards every year.

  • You can complete the purchase through your PayPal account.
  • There is also no need to sign up and become a member at eBay for the purchase.
  • It is an excellent place to begin for business-related gift cards
  • You are free to purchase an eBay gift card without creating an account
  • eBay also lets you purchase other branded gift cards through its website

Disney Store

Disney store gift cards are another fantastic choice, especially if your friend likes Disney characters and movies.

  • You will find unique, themed cards perfect for sending over as a gift to someone.
  • The recipient can then use the balance on the gift card for almost anything available at Disney stores or Disney theme parks.
  • It offers cards with hundreds of designs from Disney characters.
  • The balance retained on the card does not expire and can be used at any time
  • It costs $25 to $300 with free standard shipping.

Attention! The balance within a gift card is non-transferable and can not be redeemed in other forms, such as cash.


  • Newegg offers both physical and digital gift cards.
  • The available discounts vary from time to time.

How To Buy Gift Cards Online Through PayPal Linked With Checking Account

A reliable way to buy gift cards online with a checking account is to have your account linked with PayPal for quick payment transfer. Following are some of the sites that allow you to buy gift cards only in this manner.


Although you can only access this platform via its mobile app, Raise puts you in touch with thousands of retailers for gift cards. Moreover, you can also sell your gift cards here if you need money.


Another website that lets you pay via PayPal is gyft. Unfortunately, the number of retailers available here is limited to 200, but you can avail of other benefits such as storing gift cards and tracking your payments via mobile app.


Like Gyft, you can find approximately 200 gift card retailers here and pay using PayPal linked to your checking account. You can also use eGifter to send gift cards to others with personalized messages or videos.

Game Card Delivery

As the name suggests, you will find ample gaming gift cards related to entertainment, video games, etc.


This is one of the best options to get digital gift cards from. You can pay here via PayPal, a checking account, a debit card, or a credit card.

Other Ways To Buy Gift Cards Online With Checking Account

Next, discuss some portals from where you can buy gift cards online with a checking account. Luckily, there are many ways to do this, and we will look at them individually.

Card Cash

Card Cash is a fantastic website that lets you purchase gift cards online and makes them available at discounted prices. You can buy the card here with a checking account that you have created previously and performed at least 3 transactions with.

  1. Get a copy of your driver’s license, checking account address, and ACH access.
  2. Send the required stuff to compliance
  3. Wait for them to fit your application.
  4. Purchase the gift card directly using your checking account.

Card Cash also allows you to use checking accounts for bad credit linked to PayPal to pay for gift cards.

Note! If you ever feel that your Card Cash is not valid anymore, but there is still a balance on the card, you can sell it back to the company to get some of your money.

Credit Unions

Some credit unions also let you purchase VISA gift cards online with your checking account. However, you must register at these unions first to avail of this feature. 


PayPal can do more than make online payments. You can conveniently use it to buy gift cards and send them to your friends and family members. Moreover, you can also transfer funds from gift cards to PayPal if need be.

PayPal supports the purchase with Home Depot, iTunes, Best Buy, and Amazon. You can buy e-gift cards online instantly via PayPal using the steps below.

  1. Open a PayPal account and move to their Gift page.
  2. Choose an option from hundreds of gift cards and select the value. 
  3. Decide who you wish to send the gift card to.
  4. Choose the credit card or debit card from which you will pay for the card.

You might be interested in reading: Can You Buy Gift Cards At Self Checkout?

Can I Buy a Gift Card With a Personal Check Online

Using personal checks to purchase a gift card in a store is also possible. You will also have to provide a photo ID for identification purposes.

Policies associated with purchasing a gift card using personal checks may vary from store to store, so you should review their terms and conditions before purchasing.

Some stores that allow this feature include Big Lots, CVS, Kroger, Kmart, Target, Walmart, Walgreens, Giant Eagle, etc. You can contact their customer support team to learn more details.

You might be interested in reading: Where To Buy Walmart Gift Cards Besides Walmart?

Get Gift Cards From A Bank Branch

The last way to purchase a gift card is to walk into your bank. Yes! You can buy gift cards via banks.

  • They issue application forms just like the ones you would find online. The only difference is that you would have to hand-fill it at the spot and submit it right away. 

The application form may ask you to provide personal information like your first name, middle name, last name, contact number, contact email ID, permanent home address, payment mode, and some data about the card recipient.

Make sure you only provide the information that you are comfortable sharing. Once the application is complete and approved, you can instantly transfer the gift amount from your account to the recipient.

You might be interested in reading: Transfer Money From Visa Gift Card To Bank Account.

Extra Reading

Methods To Pay And Buy Gift Cards Online With Checking Account

Checking accounts is very useful as it lets you transfer money quickly from one account to another. If you have not yet discovered how matching reports work, here is a quick overview of how to use them to make online payments.

Link Your PayPal Account and Checking Account 

The most convenient method to make online payments is to link your checking account with your PayPal account and pay for the stuff. To do this, you have to open your PayPal account and select your bank as one of the payment options.

  1. Log in to your PayPal account.
  2. Move to payment options and enter your checking account number.
  3. Provide some other options that will let PayPal verify your account.

The verification may take more than 5 days, so be patient! As soon as your account is activated, you can make online gift card purchases via PayPal. This method can also buy gift cards online with a checking account.

Use eChecks To Pay Online

Another method to pay via a checking account is to use an eCheck. You need to activate this feature by first visiting your bank.

Additionally, not all stores accept eCheck payments, so make sure you review their options before purchasing. When using eCheck, you might have to provide the account and routing numbers to complete the money transfer

How To Use Gift Cards Online To Purchase Things

Many regions in and outside the US allow you to use gift cards with PINs to purchase in-store and online.

However, remember that you should not rely on gift card purchases via a third party as these may not be reliable or safe to use.

How To Check The Balance On Your Gift Card

You can start using the balance on the gift card as soon as you purchase it. Moreover, you don’t have to spend it all at once. The remaining balance does not expire, and you can use it later.

Attention! It is essential to keep a check on your balance on the gift card after purchase so you know what more things you can buy using the same card.

You can check the balance by logging in to your card account and clicking on the tab that shows the pending amount on your gift card.

Most shopping sites offer cards that do not expire. Some even provide reloadable prepaid cards you can refund once your balance runs out.

Gift Card Balance – Safety And Precautions

There is no doubt that gift cards are safer to carry than cash, especially PIN-protected ones. Moreover, some stores offer cards that can be tracked, making it possible to trace them in case you misplace the card or it gets stolen.

On top of that, you can contact the customer support team and negotiate a replacement for the card. To do this, you should provide proof of purchase.

Note! Card replacements also consider the amount that was pending on your card. If you just had $5, convincing that store to issue you a new card would be difficult.

Nonetheless, protection on a gift card is not as strict as a credit card. Not all retailers offer some gift card security. You will, however, find these features with a Disney gift card.

How Are Gift Cards Different From eGift Cards?

We have discussed different stores offering conventional, plastic gift cards and eGift cards, but what is the difference?

Both types of cards are available with different values. Conventional gift cards are printed on plastic or cardboard and can be carried in your wallet when you shop in-store. However, gift cards do have the advantage of being delivered instantly.

When you purchase a gift card and have it mailed to the recipient, reaching them may take up to weeks. On the other hand, eGift cards are delivered almost instantly via email.

Regarding efficiency of use, both types of cards work well. You can pay through them online, and the balance will instantly be deducted from your account.

Note! Most customers prefer to purchase eCards, considering they help keep the environment green and plastic-free.

In a nutshell, the type of card you purchase is entirely up to you! In any case, you will get to enjoy all the features that the card has. Nonetheless, sending someone an actual gift card still seems more exciting than sharing an eGift card!

The Bottom Line

Gift cards are handy and a good item to share with others on special occasions. Many stores, like Jewel OscoDollar TreeSheinScheels, etc., have started offering cards. If you want to make your purchase without hassle, paying through a checking account might be the most appropriate option.

Now that you have all the correct information, purchasing for your best friend or a loved one next time would be fun.

Please keep coming back, as we will update the article as soon as we come across more stores that allow you to buy gift cards online with a checking account and use them to purchase all the trendy products and even items on sale.

Frequently Asked Questions

Can you buy a gift card online with a debit card?

There are several gift cards that you can buy online with a debit card.

Can you buy a virtual Visa gift card with your bank account? 

Yes. Purchasing a Visa gift card with a checking account is quite simple; you can perform this at various retailers.

What other things can I pay for using my account and routing numbers? 

Account and routing numbers are the only details you need to pay for purchasing online and send money to other accounts. You can use this information to set up direct deposits as well.

Can I buy a gift card with personal checks or eChecks? 

Various stores accept personal checks and checks, so buying a gift card from them is possible. However, you will need a particular form of identification, such as a photo. Moreover, some stores allow you to use the gift cards immediately, but others will make you wait until the check has cleared.

Can I buy an Amazon gift card with a checking account?

Unfortunately, you can not use a checking account to buy an Amazon gift card.

Can I buy a prepaid card with a checking account?

Yes, you can buy and load money onto a prepaid card with a checking account.