Gift Cards

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

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

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

Macy’s E-Gift Card

Macy's E-Gift Card

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

Furthermore, the purchase process is quite straightforward. You can buy the gift card at Macy’s online through their website and have it delivered to the recipient’s door step.

  • $10 to $1,000 gift cards are available on the store that you can purchase right away as well. Macy’s accepts PayPal payments which means you can use your account to transfer money from the bank checking account easily.
  • The store makes sure that the delivery is complete within 24 hours of order placement.
  • The store offers the most update footwear, dresses, and the best furniture sets.
  • It is compatible with PayPal so you can use checking account to complete the purchase.
  • Gift Cards at Macy’s can be personalized as per your own 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 text or printed card.

  • There is no need to link your PayPal account to checking account when clearing the bill here.
  • You can simple pay via 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.
  • There are a number of deals available every season so you can purchase gifts at discounted rates
  • You can pay directly via ACH-enabled personal checking account
  • Amazon lets you buy gift cards that suits the occasion i.e. for 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 very popular store where you purchase and pay with checking account. Besides a vast collection of gift items you can also buy prepaid gift cards with unique designs. Walmart store can deliver the item to the recipient or you can hand-deliver it yourself. Also, it offers cash backs on gift cards as well.

  • Walmart lets you choose eGift Cards. These are available from $5 to $250. You can choose both, gift cards and eGift cards for specific occasions.
  • You can complete the entire process of choosing and buying a gift cards with 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 has e-Gift cards as well that can be delivered to recipient 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, movie, and much more.

  • Different types of gift cards are available of worth 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 card, and corporate gift cards
  • $15 to $500 worth gift cards are available
  • You can have the card mailed by post or sent via email

Nordstrom Gift Card

Nordstrom is a good place if you wish to purchase trendy shoes, watches, clothes, and even toys for kids. It has a stylish gift card that can be bought and sent to recipient right away.

  • 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 $150 gift card will earn $20 for themselves.
  • You can complete payments via PayPal account easily and quickly
  • eGift cards can be bought on deals with discounts prices
  • Nordstrom offers all the trendy products that you would want to buy on your special day Gift Card is a perfect online portal to do your gift hunt on. You will find toys, games houseware, footwear, clothes, appliances, etc. here. it hosts multiple gift cards including card for VISA, MasterCard, or AMEX as well as business gift card 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.
  • Additionally, UBER, Google Play, Starbucks, and Disney gift cards are also available.
  • Special REDcard available for special occasions as a perfect gift
  • Different types of gift cards are available so you can choose as per your need
  • Special deals are always going on with discounted prices that you can avail

Bloomingdale’s Gift Card

You can purchase from a large collection of colorful, creative gift cards here meant for Christmas, birthdays, anniversaries, and all other sort of celebrations.

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

Apple Gift Card

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

  • Gift cards of different worth are available on 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 quite stylish!
  • Perfect choice for Apple users!
  • Gift cards can be sent with a personal message or greeting that you get to write yourself
  • You can choose between plastic card or eCard and a number of stylish designs

eBay Gift Card

eBay is a huge market for toys, electronics, appliances, shows, books, and much more. 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 a good place to begin for business-related gift cards
  • You are free to purchase 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 amazing choice to look into especially if your friend like Disney characters and movies.

  • You will find unique, themed cards perfect for sending over as gift to someone.
  • The balance on the gift card can then be used by the recipient for almost anything available at Disney store 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 any time
  • It carries a worth of $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.

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

A reliable way to buy gift cards online with 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 are in need of money.


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


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

Game Card Delivery

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


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

Other Ways To Buy Gift Cards Online With Checking Account

The next thing is to discuss some of the portals from where you can buy gift cards online with a checking account. Luckily, there are many ways to do this and we will take a look at them, one by one.

Card Cash

Card Cash is an amazing website that not only lets you purchase gift cards online but also makes them available at discounted prices. You can buy the card here with checking account that you have created previously and performed at least 3 transactions with.

  1. Get a copy of your driving license along with checking account address and ACH access.
  2. Send the required stuff to compliance
  3. Wait for them to check 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 the gift cards.

Note! If you ever feel like that your Card Cash is not useful anymore but there is still 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 need to register yourself at these unions first in order to avail of this feature.


PayPal can do more than just make online payments. You can conveniently use it to buy gift cards and send it 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 purchase gift cards via PayPal using the steps below.

  1. Open 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?

You Can Also Buy Gift Cards With Personal Checks

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

Policies associated with purchase of a gift card using personal checks may vary from one store to another so it is better that you go through their terms and conditions before the purchase.

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

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

Get Gift Cards From A Bank Branch

The last method to purchase a gift card is to simply perform the act of walking in to your bank. Yes! You can purchase 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 some 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 as well.

Make sure you only provide the information that you are comfortable in 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 are very useful as they let you transfer money quickly from one account to another. If you have not yet discovered how checking accounts work then here is a quick overview of how you can use them to make online payments.

Link Your PayPal Account and Checking Account

The most convenient method to make online payments is to link checking account with your PayPal account and pay for the stuff. In order to 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 payments 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 proceed with making online gift card purchases via PayPal. This method can also be used to buy gift cards online with checking account.

Use eChecks To Pay Online

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

Additionally, not all stores accept eCheck payments so make sure you go through their options before the purchase. When you are using eCheck you might have to provide the account number and routing number to complete the money transfer.

How To Use Gift Cards Online To Purchase Things

There are many regions in and outside the US that allow you to use gift cards with PIN to make purchases in-store and online.

However, keep in mind that you should not rely on gift cards purchases via 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 as well.

Attention! It is important to keep a check on how much balance you have the gift card after a 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 pending amount on your gift card.

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

Gift Card Balance – Safety And Precautions

There is no doubt that gift cards are safer to carry than cash especially they ones who are PIN-protected. Moreover, some stores offers 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 customer support team and negotiate a replacement for the card. In order to do this, you might have to provide some proof of purchase .

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

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

How Are Gift Cards Different From eGift Cards?

We have talked about different stores offering conventional, plastic gift cards and eGift cards as well but what is the difference?

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

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

When it comes to efficiency of use, both types of cards work quite well. You can pay through them online and the balance would be deducted from your account instantly.

Note! Most customers prefer to purchase eCards considering that they help to keep environment green and free of plastic.

In a nutshell, the type of card you purchase is completely 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 to use and definitely a good item to share with others on special occasions. That is the reason many stores like Jewel Osco, Dollar Tree, Shein, Scheels, etc. have now started offering cards. If you want to make their purchase without any hassle, then paying through a checking account might be the most appropriate option.

Now that you are equipped with all the right information, it would be fun to make a purchase for your best friend or a loved one next time. 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 checking account and use them to purchase all the trendy products and even items on sale.

Frequently Asked Questions

Can you buy Visa gift card using your bank account?

Yes. In fact, purchasing a Visa gift card with a checking account is quite simple and you can perform this at various retailers.

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

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

Can I buy gift card with personal checks or eChecks?

There are various stores that accept personal checks and echecks and so, it is possible to buy a gift card from them as well. However, you will need certain form of identification such as photo. Moreover, some stores allow you to use the gift cards right away but there are others which will make you wait until the check has cleared.

Can I use my checking account to buy Amazon gift card?

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