10 Sites That Let You Buy Gift Cards Online with Checking Account: Buy eGift Cards Online Instantly

Shopping for the best gift for your best friend or your loved one? Nothing can be better than letting him choose his own present with a gift card. A gift card will make shopping easier and a lot less of a hassle for you.

And even if you don’t have a credit card or a debit card, you can shop for a gift card online? You can actually use your checking account to pay for your purchases online at top stores.

Buy Gift Cards Online with Checking Account

Table of Contents

Top 10 Sites That Let You Buy Gift Cards Online With Checking Account Number

  1. Macy’s E-Gift Card
  2. Amazon Gift Card
  3. Nordstrom Gift Card
  4. Best Buy Gift Card
  5. Bloomingdale’s Gift Card
  6. Target.com Gift Card
  7. Apple Gift Card
  8. Walmart.com
  9. Disney Store
  10. EBay

1. Macy’s E-Gift Card

Macy’s is the destination for the best gifts. There are things for everyone. From the latest dresses to the most updated footwear and from the best furniture sets to the most in-demand toys and clothes for kids, Macy’s has it all.

Macy’s E-Gift Cards are available in different denominations from $10 to $1,000 and may be used to pay for anything you want to purchase at Macys.com. And since Macy’s accepts PayPal, you can use your checking account to purchase.

Macy’s E-Gift card may even be personalized according to your preference. Order a gift card online at Macy’s official website, enter the recipient’s email address and then type in your personal gift message. Your friend or family member will receive the electronic gift card within 24 hours.

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2. Amazon Gift Card

Amazon has gifts from A to Z. There are tons of things to buy and with top deals available every season, your recipient will surely enjoy buying things that he or she needs with your gift card gift.

The only thing about Amazon is that you don’t need to use your PayPal to pay you’re your checking account. You can directly pay with your ACH-enabled US personal checking account. To do this, you must add your personal checking account number and bank routing number from the Shipment & Payment option screening account. You may also be required to send a copy of any state-issued ID number plus the issuing state. Once changes are done you may now purchase anything, even gift cards.

You can send an Amazon gift card to the email address of your recipient, via text or as a print-out card. You can send cards with different designs and themes for the holidays, birthdays, New Year’s Day, as a thank you, for a new baby or cards for the workplace.

Gift cards are available in different denominations and sent with a special message from you. Your recipient can spend their gift cards at Amazon.com the moment they receive it. 

3. Nordstrom Gift Card

One of the best shops to purchase updated gifts and the latest trends is Nordstrom. There are new designs for clothes, shoes, jewelry, toys and more. Nordstrom accepts PayPal payments so it’s easy to buy gift cards for your loved ones here.

A Nordstrom e gift card is a precious gift that any stylish recipient would surely love. At present, Nordstrom is giving a fantastic deal for anyone who wishes to order an e gift card. When you order $300 in e gift cards, you will get $50 card for you. If you give $150 in e gift cards, you will get $20.

There are so many reasons to give an e gift card. There are holidays, celebrations, thank yous and birthday card themes to choose from. You can even send your gift e-card right away or send it later up to 12 months from now. Gift cards are ready to spend after these are received from the mail or from your recipient’s inbox.

4. Best Buy Gift Card

Best Buy is the best place to buy all kinds of electronics, toys, games and much more. Gift cards from Best Buy are available in the mailed plastic form, electronic cards, corporate gift cards and specialty gift cards that you can use exclusively in shops like Netflix, Sephora, PlayStation, Xbox, and Nordstrom.

Best Buy gift cards are available for travel, movie and music, restaurant gift cards, gaming, prepaid phone cards, and calling cards. You can purchase these in different denominations from $15 to $500 and may either be mailed, sent through email or may be printed out. Your recipient can use his Best Buy gift card the moment he receives it in any Best Buy store or from Best Buy’s online shopping site. 

5. Bloomingdale’s Gift Card

Bloomingdale’s has a gift card for any occasion. You can purchase a gift card or e gift card for Christmas, birthdays, anniversaries, celebrations and so much more. You can find cards in colorful and creative designs and most of all since Bloomingdale accepts PayPal payments; you can use your checking account to pay for your gift card purchase.

Bloomingdale’s gift cards are available in different denominations and may be emailed or sent via snail mail to your recipient. And he does not have to spend the entire denomination at one go. He can spend a part of the amount and keep tabs on the balance from Bloomingdale’s official site.

6. Target.com Gift Card

If you are looking for a great gift for your friend or family member then there is nothing like receiving a Target gift card. Target offers a superb collection of new items from wardrobes, footwear, electronics, audio and video systems, toys, games, houseware items and more. Target REDcard can be gifted to anyone for the holidays, for birthdays, anniversaries and as a thank you gift.

Target cards are also available according to other companies/businesses such as Target gift cards for Visa, MasterCard and AMEX and of course their corporate and bulk gift cards ideal for large-scale gift giving!

And if you hurry, Target is offering a special deal with their gift cards with a buy one, get one 20% off on their App Store and iTunes gift cards. Aside from these, you can also get Starbucks, UBER, Google Play, and Disney specialty gift cards and save 5% when you use your REDcard.

7. Apple Gift Card

An iPhone user would adore an Apple gift card! With an Apple Store gift card, he can purchase accessories, gadgets, hardware, protection, music, apps and so many more. You can send a gift card via email by simply ordering this online at Apple.com.

You can choose from a large number of designs and add a personal touch by including a warm message or greeting. The Apple gift card value can be of any denomination. Your recipient will instantly receive his gift card via email and once he does, he can spend it instantly at the Apple Store or iTunes.

You also have a choice from an actual plastic or cardboard card to an e gift card. Some people prefer to receive plastic cards because these Apple gift cards look very stylish and cool. But if you would like to save the environment and help Mother Nature, then an electronic gift card is also available.

8. Walmart.com

At Walmart, you can find the best and the latest gift items that your friends and family will surely enjoy and love you for. Walmart has top gifts for entertainment, gaming, lifestyle, restaurant, travel and prepaid gift cards. You can choose from hundreds of festive and loveable designs too. If you are the type who wants to hand-deliver cards, there are printable cards and plastic cards.

E Gift cards are available from $5 to $250 and are perfect for any occasion. You can find gift cards for Christmas, Valentine’s Day, birthdays, anniversaries and for simply saying thank you.

After you have chosen the amount of gift card that you want to give, the design of the card and have placed all the important information about the recipient, you can now hit the “buy†button and to purchase the card. Your recipient will be able to receive the card from his email in just minutes.

Disney Store

Purchase any Disney merchandise for your friend or loved one any season, for any occasion with a Disney gift card. You can find gift cards in hundreds of designs from Disney characters from countless Disney films to adorable Disney-themed designs.

What does a Disney gift card entitle your recipient? Well, anything and everything Disney. He can shop from Disney’s online store or purchase from Disney theme parks as well. He can use this for shopping, dining, theme park visits and resort stays. And he does not have to spend it all at one shopping. Any balance retained in the card may be used next time he shops.

You can shop for a Disney gift card from $25 to $500. There are no fees and these will never expire. Disney cards come with free standard shipping and gift card carriers so you can send more cards to more people for any occasion.


You can purchase an eBay gift card using your PayPal linked to your checking account. Because eBay is a very popular online marketplace for businesses and people who sell different items, this is definitely the best gift card to give.

You can buy electronic devices, toys, home and kitchen appliances, clothes, shoes and books on eBay using a gift card. You can buy a gift card from eBay without creating an eBay account. But you need to have a registered eBay account to use a gift card. This card is non-transferable and non-refundable.

You can buy exclusive eBay gift cards in different denominations and use this to buy anything from eBay. And since eBay is an online marketplace for just about anything, you can also purchase different branded gift cards from eBay.

There are Best Buy, iTunes, Steam, Sephora, Macy’s, GameStop, Sears and Lowe’s gift cards to name a few. You can buy these from eBay and shop from your favorite store.

Can I Buy Gift Cards Online With My Checking Account?

People still feel an issue buying a Gift Card through their checking account, but it is just a myth. The users can easily purchase Gift Cards and make free business checking account online with no deposit through their Checking store.

All they need to make is to be aware of CardCash and Paypal, two of the comfortable purchasing Gift Cards, and can send money from checking accounts instantly. The users can do creating link their checking account to their PayPal or Card Cash account and purchase and sell Gift Cards from various stores and items, including eBay, Gyft, Raise, and E-Gifted.

Ways To buy Gift Cards

Link your checking account to your PayPal account

If you have an active PayPal account, you can link a checking account to this account and pay for your purchases. First, you need to arrange your checking account as your payment option at PayPal.

Log in to your account and enter your checking account number and other information that PayPal needs to verify your checking account such as your nine-digit bank routing number. The verification process usually takes one to five days so you need to wait a few more days before you can shop.

But once your account has been enabled, you can now shop at any online store that accepts PayPal payments. You can now shop gift cards for your friends and loved ones. 

Get an eCheck

Another way to use your checking account to pay for any online purchase, like a gift card, would be to use an eCheck. Your bank will be able to help you secure an eCheck. There may also be online stores that accept eCheck payments; just look for a payment option that says eCheck or EFT. You may need to type in your checking account number, bank account number and routing numbers or give the numbers to a phone representative.

But if all these seem to be a hassle for you, the best way is still just linking your checking account number with PayPal to pay for online purchases.

Link Your CardCash account

Card cash is the only site we observed that enables you to purchase gift cards online with your checking account, and it also permits you to buy them at a discount. To make payment with a checking account on CardCash, you will first require creating an account, and you will need to have completed at least three transactions on the site.

You can then send a copy of your driving license, the email linked to your checking account, and a written solicitation for ACH access to [email protected]. CardCash will examine your application. If you are encouraged, you will be able to purchase gift cards directly from your checking account.

Moreover, CardCash allows you to link your PayPal account to make a business checking account with bad credit and pay for gift cards like the sites listed below.

By shopping for gift cards on CardCash.com, you can release as much as 35% off the face value of a gift card, and you can also apply Card Cash to sell gift cards at a reduction or trade them for gift cards to other shops. Further, if you know you will not use a gift card, but there is still a balance on it, you can make some of your money back by selling it to CardCash.

Buy Gift Cards With Personal Checks

If you want to purchase a gift card with a personal, paper check at a brick-and-mortar shop, there are a few something you should know. Generally, you will require providing a valid photo ID, and the statement will need to clear ere you can use the gift card.

Individual stores may have various policies, so it may be deserving of contacting the store you plan to encourage and find out its policy before buying a gift card with a paper check. We contact customer service representatives from various national chains and found that the following significant retailers will enable you to buy gift cards with personal checks:

  • Big Lots
  • Costco
  • CVS
  • Giant Eagle
  • Kmart
  • Kroger
  • Meijer
  • Target
  • Walgreens
  • Walmart

Difference Between Gift Cards eGift Cards

Gift cards come in all shapes, sizes, and brands and basically, you can get a printed, plastic gift card or an electronic gift card or eGift card. Which is better and which one is more preferred?

Both types of gift cards come in different denominations from as low as $5 to as high as $250 or even more. However, printed gift cards or plastic/cardboard gift cards are physical cards that are usually hand-given or from the mail. These cards may be used in an actual store or restaurant and online but this may depend on the instructions on how to use the card. It could take a long time for an actual gift card to get to the recipient. When you order a gift card to be sent to a recipient, it will be sent via snail mail or delivered by a special courier. This could take days to do so. 

On the other hand, electronic cards or e-cards are sent through email and may be used in an actual store or online store. These may or may come with a personalized message and are received as soon as you purchase the e gift card from the online store. And as soon as these are received, the recipient can immediately use it.

When it comes to convenience when buying online, both types of gift cards are very efficient. All you need to do is to visit the store’s official website and make a purchase. Upon check out, choose “gift card†to pay for your purchases. The amount will be deducted from the amount you have on the card and the balance is kept for a specific amount of time.

If you want to shop again, simply login to your account and use the gift card payment option if you still have a balance on your card. In some stores, you have the option to reload your gift card so you can use the same one again and again. 

When it comes to keeping things green, it’s definitely better to just opt for an e-card. Once empty, an empty card is usually thrown away. Imagine how many plastic and cardboard cards are just carelessly thrown away in landfills! There is no doubt that it is better and less energy-consuming when you just rely on electronic gift cards.

But what if you are not tech savvy or you don’t want to shop online, you can choose traditional gift cards instead. Seniors, most especially, would appreciate receiving an actual card rather than an electronic gift card. They are more adept to using traditional cards in an actual store than buying from an online shopping site.

Most people prefer an actual or traditional card so that they can remember their gift card points. Most of the time, electronic gift cards are forgotten even left unopened from the mail and this is a total waste. Receiving an actual gift card is also deemed to be more exciting than getting one through email.

How Can You Buy Gift Cards From A Bank Branch?

If online banking is not your thing, you can walk into a bank branch, request for a Gift Card application form. You must fill out all the knowledge requested in the state, like your personal details, contact information, information about the recipient, and payment mode. This form also duplicates up as a consent form that empowers the bank to debit the gift amount from your account.

How To Check Gift Card Balance

One of the most important things you need to understand about gift cards is that any balance that you leave on the card usually doesn’t expire. Like carrying your own wallet when you shop online, you just buy what you need and leave the remaining amount in the gift card.

If you want to find out the balance on your card, simply log on to your account from the shopping site, find the gift card tab and find the button that allows you to check your gift card balance. Most shopping sites like Amazon, Best Buy and Target gift card balances do not expire. You may also be able to reload your card using your credit card, bank account or even your checking account.

How to buy gift cards online instantly with a checking account?

In the essay, we will show how to purchase gift cards online with a checking account. Many people are looking for ways to do this. I would personally recommend using a credit card if you have one, as that way, you can earn credit card rewards and free online checking account no opening deposit, on your purchase.

i) Amazon

Amazon let you reload your Amazon credit perspective with a checking account, and some people are even offered a 2% bonus instantly for doing so. You can check to watch if you are targeted. In addition to this, Amazon also sells 3rd party gift cards to buy these gift cards with your Amazon scale and give you various choices.

Alternatively, you can purchase third-party gift cards directly with Amazon; when your select payment options choosing a checking account will be an option.

ii) Credit Unions

Some credit unions will concede you to buy Visa gift cards with your checking account balance, but you have to account with them. Afterward, if you have an account, including a credit union, ask if they have this characteristic.

iii) PayPal

You can make a link your PayPal account to your checking account, and then utilize your PayPal account to obtain gift card purchases. eBay sells a comprehensive variety of gift cards, often at a discount. Card Cash also permits you to pay via PayPal.

Are Gift Cards Safe To Use?

Despite the permissible uncertainties, many experts say gift cards perform safer gifts than cash. “There is some tracking available, especially if you buy the gift card online,” says Shelley Hunter. Transaction certificates and email records contain important information, like the time and date, stamp and gift card number, and the credit or debit card used to make the buy.

Besides, if the gift card is squandered or stolen, but you have evidence of purchase, customer service may track down the card or issue a replacement. “That cannot occur if you just have a $20 bill,” Hunter says. Registering the gift card online can improve fast-track the process.

Not all retailers offer this feature, but some, adding Disney and Subway, do. If you are dealing with a gift card from a financial service company like Visa card or MasterCard, “you can contradict those charges just like if it were a credit card,” Hunter says.

Protections may vary from a gift card to gift card, so follow and read the terms and conditions carefully, say Juliana Gruenwald Henderson, a spokesperson for the Federal Trade Commission. This will also support to inform you of any card acceptance or inactivity fees.

Can I use PayPal to buy a visa gift card?

You may presently use PayPal strictly for making payments, but did you know that PayPal sells gift cards for popular brands? PayPal Digital Gifts allows second chance checking with no opening deposit for users to send gift cards to friends and family. Plus, choose from hundreds of brands, including Amazon, Home Depot, iTunes, Best Buy, and more!

Steps to Buying Gift Cards With PayPal

  1. Go to PayPal’s Digital Gifts page.
  2. Next, browse through hundreds of popular gift cards and make your choice and selection it.
  3. After that, choose the value.
  4. Indicate whatever the gift card is for you and someone else.
  5. Finally, Log in to your PayPal account or access your credit card or debit card information.

If you select the Gift option (refer above to number 4), you will be prompted to enter the recipient’s name, email address, title, and message. Note that all gift cards are delivered v electronically, whether you purchase one for yourself or as a gift.

See related article on The 5 Best Ways to Buy Virtual Visa Gift Card with PayPal